Debt Collection Services
Navigating through financial disruptions can be a challenging task for businesses. At First Credit Services, we provide top-tier debt collection services to ensure that your cash flow remains consistent and healthy. Our comprehensive suite of services, specializing in both first-party and third-party collections, is designed to cater to the distinct needs of our clients.
First-Party Early Intervention Services
Ensuring financial stability is crucial, and a proactive First-Party early intervention approach is the key. With First Credit Services, benefit from timely and friendly notifications and reminders that help maintain your cash flow. By lowering the number of accounts needing third-party debt collection services, you not only save resources but also reinforce trust and loyalty among your customers. Seamlessly integrate this service into your existing framework and experience a harmonious balance between finance and customer relationship.
Third-Party Debt Collection Service (Late Stage)
When accounts consistently lean towards bad debt, the intervention of a third-party debt collections agency becomes indispensable. First Credit Services, a fully compliant and nationally licensed agency, is at the forefront, revolutionizing the realm of debt collection services through innovative strategies and approaches.
WHY US
What Makes Us Different?
OmniXp
Our revolutionary Omni channel platform provides consumers the freedom to choose how they interact with us delivering personalized experiences and remarkable engagements.
EngageRight
Our “Contact Optimization” machine learning engine creates a customized strategy to know who, when, and how to contact consumers. EngageRight provides our clients with some of the highest reach and recovery rates in the industry.
Our People
Voted as the best place to work in collections, First Credit Services hires, trains, and retains the best agents in the business
Frequently Asked Questions
What are my rights during debt collection?
During debt collection, you have the right to be treated respectfully and without harassment. You can request written proof of the debt, and the collector must stop communication if you ask them in writing. Collectors are not allowed to threaten, use abusive language, or contact you at odd hours. These protections fall under the FDCPA.
Are debt collection practices illegal?
Debt collection services are legal, but they must follow strict guidelines. Illegal practices include threats, repeated calls, misleading claims, or contacting others about your debt without permission. Reputable debt collection services follow fair procedures and maintain compliance with federal and state laws.
How do I verify if a debt collector is legitimate?
To check if a debt collector is genuine, ask for a written notice that details the debt, the original creditor, and your rights. A real debt collector will provide this without delay. You can also verify the name of the company, check their website, and confirm whether they are licensed to operate in your state. A professional debt collector will never avoid these questions or pressure you to pay immediately without verification.
What can happen if a collector breaks the law?
If debt collection companies break the law, they can face penalties, fines, and lawsuits. Consumers may be entitled to compensation if they are mistreated. Agencies that use unlawful tactics risk losing their licenses and damaging their reputation.