Are you receiving persistent, unwanted calls from First Credit Services? Do these calls feel intrusive, harassing, or even threatening? If so, you’re not alone. Thousands of consumers across the U.S. face similar issues with debt collection agencies. When calls cross the line from legitimate attempts to collect debt to harassment, it’s time to take action.
This comprehensive guide explores the realities of First Credit Services phone harassment, what the law says about it, and how Consumer Rights Law Firm, PLLC can help you fight back and reclaim your peace of mind.
Who Is First Credit Services?
First Credit Services, Inc. is a third-party debt collection agency that works on behalf of various creditors, including healthcare providers, fitness clubs, and utility companies. The company attempts to recover outstanding debts through phone calls, letters, emails, and occasionally legal actions.
While debt collection is a legal practice, agencies like First Credit Services must operate within the boundaries set by federal and state laws. When they don’t, it can result in First Credit Services phone harassment, which is not only stressful but also unlawful.
What Is Considered Phone Harassment?
Phone harassment from debt collectors occurs when their communication becomes excessive, abusive, or deceptive. Here are common signs of First Credit Services phone harassment:
● Receiving multiple calls in a single day
● Getting calls early in the morning or late at night
● Being contacted at work after asking them not to
● Receiving threats of legal action or wage garnishment
● Use of profanity, intimidation, or verbal abuse
● Contacting third parties such as family, friends, or employers
● Refusing to provide debt verification
If any of the above scenarios sound familiar, you may be a victim of First Credit Services phone harassment, and you have the right to put a stop to it.
Your Rights Under the Law
Thankfully, consumers are protected by several laws that regulate how debt collectors may contact you. The primary legislation includes:
1. Fair Debt Collection Practices Act (FDCPA)
The FDCPA prohibits debt collectors from using abusive, unfair, or deceptive practices. Under this act, First Credit Services cannot:
● Harass or threaten you
● Call before 8 a.m. or after 9 p.m.
● Lie about the amount owed
● Misrepresent themselves
● Continue contacting you after a written cease communication request
2. Telephone Consumer Protection Act (TCPA)
The TCPA protects you from receiving robocalls or autodialed calls without your consent. If First Credit Services phone harassment involves pre-recorded messages or automated dialers, they may be in violation of the TCPA.
3. Fair Credit Reporting Act (FCRA)
If First Credit Services reports incorrect debt information to credit bureaus, they may be violating the FCRA. You are entitled to dispute any inaccurate credit report entries.
Real-Life Examples of First Credit Services Phone Harassment
Here are just a few scenarios reported by consumers who have experienced First Credit Services phone harassment:
● Case 1: A consumer was contacted daily at their workplace, despite repeated requests to stop. The calls caused embarrassment and stress in the workplace environment.
● Case 2: Another consumer received robocalls from First Credit Services multiple times per day, including weekends. The caller never left a message or identified the reason for the call.
● Case 3: A consumer reported that First Credit Services threatened to take legal action over a disputed debt that was already settled years prior.
These cases illustrate how First Credit Services phone harassment can escalate and negatively impact your emotional well-being and personal life.
What to Do If You’re Being Harassed by First Credit Services
If you believe you are a victim of First Credit Services phone harassment, take the following steps to protect yourself:
1. Document Everything
Keep a log of all calls, including:
● Date and time
● Caller’s name
● Phone number used
● What was said
● Whether a message was left
Take screenshots of call logs, save voicemails, and retain written communications. This documentation will be critical if you pursue legal action.
2. Request Debt Validation
Under the FDCPA, you have the right to request written validation of the debt. Send a certified letter to First Credit Services asking for:
● The name of the original creditor
● The amount of the debt
● Proof that you owe the debt
Until they respond, they are not allowed to continue collection efforts.
3. Send a Cease and Desist Letter
If the calls continue after validation, you can send a cease and desist letter requesting that all communication stop. After receiving this letter, First Credit Services can only contact you to confirm they’re ceasing communication or to notify you of specific legal action.
4. Contact a Consumer Protection Attorney
If First Credit Services phone harassment persists or has already crossed the line, it’s time to speak to an experienced consumer rights attorney. That’s where Consumer Rights Law Firm, PLLC can help.
How Consumer Rights Law Firm, PLLC Helps You
Consumer Rights Law Firm, PLLC specializes in protecting consumers from abusive debt collection practices. Here’s how they can help you fight back against First Credit Services phone harassment:
Free Case Evaluation
Get a free, no-obligation review of your case. The legal team will assess whether your rights under the FDCPA, TCPA, or FCRA have been violated.
Legal Action Against First Credit Services
If First Credit Services broke the law, you may be entitled to statutory damages of up to $1,000 under the FDCPA—and potentially more under the TCPA. Consumer Rights Law Firm will file claims on your behalf and guide you through the legal process.
Cease Harassment Immediately
Once you retain legal representation, the calls must stop. First Credit Services must communicate through your attorney, not you.
No Out-of-Pocket Costs
Most consumer protection attorneys work on a contingency basis, meaning you don’t pay unless they win your case. In many cases, the debt collector is responsible for your legal fees.
What Sets Consumer Rights Law Firm, PLLC Apart?
● Nationwide Representation
No matter where you live, the firm has the tools and network to assist you.
● Specialized Expertise
Their entire practice focuses on consumer protection laws.
● Compassionate Service
The team understands the emotional toll of harassment and offers respectful, judgment-free support.
When Is It Time to Call a Lawyer?
If you’ve:
● Received repeated or threatening phone calls from First Credit Services
● Been contacted outside of permitted hours
● Faced false representations about your debt
● Been subject to robocalls or auto-dialed messages
● Suffered emotional distress from their collection practices
Then now is the time to take legal action. You don’t have to suffer in silence.
Frequently Asked Questions About First Credit Services Phone Harassment
Q: Is First Credit Services a legitimate company?
Yes, but even legitimate companies must follow the law. If their methods are abusive, you have the right to fight back.
Q: Can I block their number?
You can, but that won’t stop collection attempts. It’s better to document and report their behavior legally.
Q: Will hiring an attorney hurt my credit?
No. In fact, addressing unlawful harassment may help you dispute invalid debts and clean up your credit report.
Final Thoughts
Debt doesn’t give companies the right to harass you. If you’re facing First Credit Services phone harassment, know that you have options and rights. Let Consumer Rights Law Firm, PLLC stand by your side and put an end to the stress.
You deserve peace, dignity, and fair treatment—and the law is on your side.
Ready to stop the calls?
Contact Consumer Rights Law Firm, PLLC today for a free case review and start taking back control of your life.
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