Debt collectors often resort to aggressive tactics that can feel overwhelming. Do you receive constant calls from them? Are they contacting you at all hours or even contacting your family or neighbors? These practices aren’t just annoying—they’re illegal, and you can stop Credit Services debt collection harassment.

The Fair Debt Collection Practices Act (FDCPA) protects consumers from such Harassment. Suppose First Credit Services has violated your rights. In that case, you may qualify for compensation of up to $1,000 in statutory damages and legal fees.

If you’re dealing with this, don’t endure it alone. You can take action to stop First Credit Services’ phone harassment today. The Wood Law Firm stands ready to help you reclaim peace of mind.

Is First Credit Services a Scam?

No, First Credit Services is a legitimate company. The Better Business Bureau (BBB) notes they’ve operated for over 25 years. However, legitimacy doesn’t exempt them from ethical conduct.

The BBB lists 39 formal complaints against First Credit Services, primarily for its collection methods. Records show that consumers frequently experience issues with its approach.

Who Is First Credit Services?

First Credit Services is a third-party debt collector based in Piscataway Township, New Jersey.

Address: 377 Hoes Ln, Suite 200, Piscataway, NJ 08854

Phone: (732) 726-1800

They also operate under various names, including:

• First Credit Inc
• First Credit Collections
• FCS Collections
• 1st Credit Services

These aliases often cause consumers confusion. If you’ve received a call from a name resembling any of these, it’s likely connected to First Credit Services.

Also read: Credit Bureau Collection Services Harassment

Common Indications of First Credit Services Debt Collection Harassment

Many consumers have reported experiencing First Credit Services debt collection harassment due to the agency’s aggressive and relentless practices. These collectors often resort to extreme methods that violate ethical standards and breach federal and state laws, particularly the Fair Debt Collection Practices Act (FDCPA). Understanding these tactics can empower you to protect yourself and take action against unlawful behavior. Below are the most common strategies employed by First Credit Services collectors and why you should remain vigilant:

Frequent, Harassing Phone Calls

One of the primary complaints involves First Credit Services phone harassment through repeated, incessant calls. These calls often occur daily, creating a sense of urgency and anxiety for the recipient. The constant ringing can disrupt your peace and well-being, Whether at work, home, or even during your personal time.

Collectors aim to wear you down mentally and emotionally, hoping you’ll give in to their demands. However, the FDCPA strictly prohibits this type of Harassment. If you receive frequent calls, you’re not alone and don’t have to endure it. The Wood Law Firm can help you stop these calls and hold the agency accountable.

Calls Outside of Legal Hours

The FDCPA limits the time frame during which debt collectors can contact you. Calls made before 8:00 a.m. or after 9:00 p.m. are illegal. Unfortunately, many First Credit Services collectors ignore this regulation, contacting individuals during prohibited hours to catch them off guard.

These early-morning or late-night calls are invasive and designed to disrupt your daily routine. If First Credit Services contacts you during these restricted hours, it clearly violates your rights. Reach out to The Wood Law Firm immediately to end this unlawful behavior.

Threats to Sue or Garnish Wages

Collectors often escalate their intimidation tactics by threatening to sue or garnish your wages. While debt collection agencies can legally sue you under certain conditions, they must follow the proper legal process to threaten to take such actions.

If First Credit Services threatens to garnish your wages or take legal action without a valid court judgment, it is in violation of the law. These scare tactics are meant to pressure you into making immediate payments, often without verifying the legitimacy of the debt. Protect yourself by contacting The Wood Law Firm to review your case and explore your legal options.

Contacting Your Family, Friends, or Employer

Another alarming tactic involves First Credit Services contacting your family, friends, or employer to discuss your debt. This tactic is not only embarrassing but also an invasion of your privacy. Debt collectors may use this approach to pressure you into paying by causing distress and humiliation within your social or professional circles.

However, the FDCPA prohibits debt collectors from disclosing your debt to third parties. If First Credit Services has contacted someone you know regarding your financial situation, they have overstepped their boundaries. You have the right to take legal action to stop this Harassment and protect your privacy.

Demands for Payment That Exceed Legal Limits

Sometimes, collectors may attempt to collect amounts that exceed what you legally owe. They might add unauthorized fees, interest, or other charges to inflate the debt and pressure you into making larger payments.

These demands are both unethical and illegal. Debt collectors must adhere to the original terms of the debt agreement. They cannot impose additional charges beyond what is permitted by law. If you suspect First Credit Services is demanding an inflated payment, consult The Wood Law Firm to uphold your rights.

Also read: Financial Recovery Services Debt Harassment

Identifying First Credit Services Phone Numbers

Are you receiving calls from numbers like:

• 800-606-7066
• 201-205-2910
• 732-305-8350
• 888-887-3134

If yes, these are First Credit Services’ phone numbers. However, they may use other numbers too. The Harassment could continue unless you take legal action.

FAQs About First Credit Services

• Can First Credit Services Garnish My Wages?

Yes, if they obtain a court judgment or your debt involves federal student loans.

• Can They Sue Me?

Absolutely. First Credit Services can file a lawsuit if the debt remains within the statute of limitations.

• Can They Report My Debt to Credit Bureaus?

Yes, they have the authority to report unpaid debts to the credit reporting agencies, which can negatively impact your credit score.

• Can They Arrest Me for Unpaid Debts?

No. Debt collectors cannot have you arrested. However, ignoring a court summons related to your debt can lead to a warrant for your arrest.

Also read: Action Financial Services Debt Collection Harassment

Examples of First Credit Services Lawsuits

Several consumers have filed lawsuits against First Credit Services for unlawful practices:

• Barraza v. First Credit Services (2:10-cv-00311-PSG-CT)
• Osazin v. First Credit Services (0:11-cv-62010-WPD)
• Murphey v. First Credit Services (4:10-cv-01185-RWS)

These cases demonstrate that consumers can and do fight back.

Success Stories from The Wood Law Firm

Many clients have successfully ended Harassment with help from The Wood Law Firm:

“I highly recommend The Wood Law Firm. They stopped the Harassment and got me compensation for my case.”

“The team at The Wood Law Firm was courteous and knowledgeable. They understood the tactics used by collection agencies and helped me stop the Harassment quickly.”

Steps to Take If You Encounter Credit Services Debt Collection Harassment

Facing Harassment from First Credit Services can feel overwhelming, but you don’t have to endure it alone. By taking the proper steps, you can protect yourself, stop the Harassment, and hold the debt collectors accountable for their actions.

Here’s what you need to do:

Document Everything

The first and most crucial step is to keep a detailed record of all communications with First Credit Services. Accurate documentation will be critical evidence if you decide to take legal action.

• Log Every Call: Note the date, time, phone number, and the person’s name who called you.
• Record the Nature of the Communication: Write down what was said during the conversation, especially if the collector threatened, used abusive language, or violated any laws.
• Save All Written Correspondence: Keep copies of any emails, text messages, or letters you receive.
• Record Any Voicemails: If the collector leaves threatening or harassing voicemails, save them as evidence.

This documentation can help prove that First Credit Services engaged in unlawful collection practices, strengthening your case if legal action becomes necessary.

Request Debt Validation

Under the Fair Debt Collection Practices Act (FDCPA), you can request written proof of the debt. Many collectors attempt to collect on debts without proper verification; some may even try to collect on debts you don’t owe.

Here’s how to request debt validation:

• Send a Written Request: Within 30 days of First Credit Services’s first contact, send a written letter requesting validation of the debt.
• Ask for Specific Information: Request the original creditor’s name, the amount owed, and any supporting documentation proving the debt is valid.
• Keep Copies: Save a copy of your letter and any responses you receive. Send your request via certified mail with a return receipt to confirm delivery.

If First Credit Services cannot validate the debt, they must stop collection efforts. This step often discourages collectors from continuing Harassment.

Send a Cease-and-Desist Letter

If the Harassment continues, you can send a cease-and-desist letter to demand that First Credit Services stop contacting you legally. Once they receive this letter, they can only contact you to confirm they will stop communication or to notify you of any legal actions.

Here’s how to do it:

• Draft a Clear Letter: State that you no longer wish to be contacted by phone, mail, or any other means.
• Send It via Certified Mail: Use certified mail with a return receipt to confirm the letter’s delivery.
• Keep a Copy: Retain a copy of the letter and the receipt for your records.

Once First Credit Services receives the letter, any further contact may constitute a violation of the FDCPA, which you can use as grounds for legal action.

Also read: National Credit Services Debt Collection Harassment

Contact The Wood Law Firm

Even after these steps, dealing with aggressive debt collectors like First Credit Services can be stressful and intimidating. That’s where The Wood Law Firm can help. Our experienced attorneys specialize in consumer protection laws and have a proven track record of holding debt collectors accountable.

Here’s how we can assist you:

• Stop Harassment Immediately: We can intervene on your behalf, stopping the harassing calls and messages.
• File a Complaint: If First Credit Services violated your rights, we can help you file a complaint with the Consumer Financial Protection Bureau (CFPB) or the Federal Trade Commission (FTC).
• Pursue Legal Action: If necessary, we’ll guide you through filing a lawsuit against First Credit Services for damages, including emotional distress, lost wages, and legal fees.

We aim to protect your rights and ensure you receive the justice you deserve.

Also read: Associated Collection Service Debt Collection Harassment

Take Action against Credit Services Debt Collection Harassment Today

Don’t let First Credit Services’ debt collection harassment disrupt your life. You can demand fair treatment and protect yourself from abusive collection tactics.

Contact The Wood Law Firm today at +1 844-638-1122 for a free consultation. Our dedicated legal team will review your case, explain your options, and help you take the necessary steps to stop Harassment for good.

You can take control—start today and reclaim your peace of mind.

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