The best debt collection agency in
New Jersey

First Credit Services has been providing collection services in New Jersey for many years and is experienced in many industries as well as businesses of all sizes. Today, changes in consumer behaviors and technological advances are shifting how people communicate and interact with businesses. Traditional collection and engagement methods are out of date, and so are most agencies. First Credit Services has invested millions in reimagining how we interact with consumers and utilize AI tools to build custom collection strategies. We’ve effectively opened the lines of communication for all generations, making it easier for consumers to connect and make payments.

New Jersey is the 4th largest as well as the 9th most densely populated state in the country. The population in New Jersey is richly diverse as nearly one-third of all business owners immigrated here from other parts of the world. The state is known for its output of machinery, pharmaceuticals, chemicals, electronic equipment, and fast foods. The largest industries driving New Jersey’s economy include pharmaceuticals and life sciences, financial services, advanced manufacturing, information technology, transportation, and logistics.

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Reimagining Collections and Modernizing Engagements: Best Debt Collection Agency in New Jersey
As the best collection agency in New Jersey, we offer our services in cities including Newark, Jersey City, Paterson, Elizabeth, Trenton, Princeton, Atlantic City, Morristown, Clifton, Hoboken, Toms River, and more. Also, people in New Jersey are protected by both the Fair Debt Collection Practices Act (FDCPA) and the New Jersey fair debt collection practices that ban debt collectors from using unfair and dishonest practices. As the best collection agency in New Jersey, we understand all these laws. Our unique collection strategy enables our collectors to achieve the highest level of success. Contact us now and partner up with the best collection agency in New Jersey.
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WHAT WE DO

Why We Are The
Future of Collections!

OmniXp

Our revolutionary Omnichannel 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

Our people are one of the main reasons why we are the best collection agency in New Jersey. Voted as the best place to work in collections, FCS hires, trains, and retains the best agents in the business.

WHAT WE DO

Our Services

Having an effective early intervention strategy is the best way to lower your roll rate, reduce the amount of bad debt you send to collections, and improve customer loyalty. Our OmniXp platform enables us to connect early with your past-due accounts and work with them to find the appropriate resolution. Our world-class collection expertise provides a customer-oriented, cost-effective, and personalized approach to target and collect from customers in their earlier stages of delinquency. This is what makes us the best collection agency in New Jersey.
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Partnering with the right Collection Agency can make a significant difference to your bottom line. At FCS, we understand how important an effective collections strategy is to the running of your business. We invest heavily in state-of-the-art consumer-centric systems that provide consumers a convenient experience and produce some of the highest recovery rates in the industry.

As a nationally licensed Collections Agency, we take compliance seriously and have dedicated departments for both training and compliance. These resources ensure that all agents meet proper messaging and compliance standards while communicating with your valued customers in New Jersey and everywhere else in the country.

Partnering with the right Collection Agency can make a significant difference to your bottom line. At FCS We understand how important an effective collections strategy is to the running of your business, and focus our resources on your most pressing concerns accordingly to handle late-stage collections. We also have dedicated departments for both training and compliance. These resources ensure that all agents meet proper messaging and compliance standards while communicating with your valued customers. We take special care to comply with all the FTC regulations.

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Business Process Outsourcing
Outsourcing customer service tasks or engagement functions with First Credit Services is a cost-effective way to quickly address service areas that are currently being underserved by your existing internal operation. Our call center agents learn your business, talking points, and culture. They become brand experts and will provide the highest level of friendly service to your customers. We work with your team to develop brand messaging and scripts. We then incorporate those into our OmniXp platform, which allows customers to engage with your brand through digital channels (SMS, email, chatbot) and human connections (phone, chat). By trusting us with your customer engagements, you can quickly fix coverage issues, lower your expenses, and build loyal customers while ensuring quality human interactions.
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Extended Business Office
We offer a wide range of services designed to be a true extension of your billing office. Our extended business office services provide you all the assistance you need. We review your processes, identify trends, and provide highly effective solutions. FCS collaborates with you to streamline workflow, increase account resolution, maximize future collections and deliver effective results.
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OUR EXPERTISE

Industries we serve

Automotive Finance

Automotive Finance

Bankcard and consumer loans

Government & muncipal

Health & Fitness

Medical & Healthcare

Fintech

Commercial Lending

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Our experience is our difference

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25+

Years in business
client

Fortune 500

Client Base
A Rated
rating by Better Business Bureau

29M+

Calls Annually

Nationally Licensed

OUR RECOGNITIONS

Our certifications

Military Spouse
ACA International
AICPA SOC
Compliance Professionals Forum
PCJ DSS Complaint
First Credit Services, Inc, Collections Agencies, Columbus, GA

OUR INSIGHTS

The latest from First Credit Services

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