First Credit Services or FCS is a third-party debt collection agency based in Florida. FCS has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including improper contact or sharing of information and threatening to take actions that cannot legally be taken. If you have been contacted by this debt collector, make sure you understand your rights before responding.
The harassing company pays our fees.
They’re legit. First Credit Services is a legitimate debt collection agency. It offers both early and late stage collections. Their early stage collection tactics mirror those of other first-party collection agencies, namely phone calls, emails, and letters designed to bring members back into the fold. FCS’ third-party collections incorporate skip tracing, robocalling, and letters, along with credit bureau reporting.
If you’ve suffered from FCS debt harassment, you do have options. Under the law you can recover up to $1,000 for violations of the FDCPA, and $500 to $1,500 for each cell phone robocall.
First Credit Services is a collection agency that started business in 1993 and that specializes in collections related to the health and fitness industry. Located in Piscataway, New Jersey, FCS has more than 2,500 clients, including fitness clubs, corporate gyms, gyms, martial arts academies, and personal trainers. Their promise is to outperform the companies’ own staff or the collection agency they currently use.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
As of April 2017, the Better Business Bureau reported 31 closed First Credit Services complaints within the previous three years, including 11 closed First Credit Services complaints within the previous 12 months. The BBB gives First Credit Services an A+ rating. In addition, Justia lists 13 FCS complaints filed in federal court in the past year alleging violations of the Fair Debt Collection Practices Act. Furthermore, the Consumer Financial Protection Bureau (CFPB) lists 42 closed First Credit Services complaints for 2016.
First Credit Services, Inc.
377 Hoes Lane, Suite 200
Piscataway Township, NJ 08854
Phone Number: 800-606-7066
Website: http://www.firstcreditonline.com
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely FCS would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Absolutely. You can sue a debt collector.
If you have been unjustly harassed by this debt collection agency, contact us for a free case evaluation
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
Consumers have reported this agency harassing them from the following numbers:
Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
You may have a case, if…
“I was so excited when you told me about the positive outcome of the lawsuit. If the need ever arises again, I will not hesitate to call your office or recommend your law services to a friend in need.”
“Thank you, thank you, thank you! I couldn’t be happier with all the hard work your office has done for me. I feel throughout the whole process I was kept informed, and my questions were always answered completely. The calls have stopped, I no longer have a mountain of junk bills piling up, and I owe it all to Lemberg Law.”
“I found your website. I filled out the information and much to my surprise received a call back within the hour. She listened intently and addressed each one of my concerns. She immediately forwarded me an email and advised I would not be charged for services rendered. She made me feel confident and assured, and that someone was in my corner.”
Chances are good that we can help. Call us today and we’ll explain.
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Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."
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Sent certified letters in mail requesting cancellation to Anytime Fitness facility and also to the billing company regarding my membership as my agreement ended Jan 13th 2023. Was told by manager in text that he received my request to cancel. The billing company even refunded me for the months that I was billed after my contract ended. Thought it was over. But then I start getting Non-stop calls from First Credit Services saying I owe $300+ dollars. That my credit will be ruined if I do not pay. I tried to explain that I have physical proof that I canceled and was refunded. They told me I HAD to pay and that I would get in trouble legally. Now I get calls 2-3 times a day and am being harassed all times of the day. Wish I had NEVER joined that Gym. I have been dealing with this issue for 3 years. Charged for 3 years! Just want it to end. I am a single Mom. I am afraid to join another gym due to this experience.
I have been getting calls every day multiple times a day. I tried canceling my membership at Crunch but they said they could not do it over the phone. I live in a whole other state now and could not physically do that. This was months ago. I am not sure what to do because they saw I owe 300 something and I will not be paying that but I don’t want it to affect my credit.
I have been getting calls from first credit services nearly every week and day….they call from different numbers so far as Georgia… Indiana… New Jersey as well as Texas…I have a record of each call and I’ve blocked the majority of them but they still call from different numbers…I just want them to leave me alone…I’ve tried numerous times to cancel my membership with anytime fitness and each time they would refuse or say I have to pay the balance or wait until a certain month to do so… I’ve never had a hard time with cancelling anything till I got a membership with them…I just need help because this credit company is getting on my nerves,
I cancelled my membership and have been getting calls multiple times per week regarding “a balance of 259.74”
I cancelled my gym membership, but on November 19 I recieved a card that I have 347.29 I don’t not want to have a bad credit score