Whether you’re a healthcare provider, fitness center, or landlord dealing with past-due accounts, it’s important to understand who is handling your collections—or trying to collect from your customers. One name that comes up frequently is First Credit Services, Inc. (FCS).
Headquartered in Piscataway, New Jersey, First Credit Services has positioned itself as a full-service collection agency with both first-party and third-party services. But while their size and national reach may seem appealing, there are important differences in how they operate compared to specialized agencies like Advanced Collection Bureau (ACB).
In this article, we’ll break down who FCS is, what they offer, and how their model stacks up against the compliance-first, results-focused recovery approach at ACB.
Who Is First Credit Services?
Founded in 1993, First Credit Services, Inc. serves a wide range of industries including healthcare, fintech, automotive finance, and government. Their headquarters is located at:
377 Hoes Lane, Suite 200
Piscataway Township, NJ 08854
Phone: (732) 726-1800
Website: www.firstcreditonline.com
They market themselves as a multi-industry solution for accounts receivable management, offering:
- First-party billing and customer outreach
- Third-party collections on past-due accounts
- Customer service outsourcing (BPO)
- Integration with payment portals and client systems
The industries they support range from fitness clubs and healthcare providers to credit card issuers and government contracts.
Their Reputation and Consumer Concerns
Although FCS maintains BBB accreditation, their profiles reflect recurring consumer issues. On the BBB site, dozens of complaints describe:
- Persistent or aggressive phone calls
- Attempts to collect on debts that were already paid or disputed
- Challenges with removing inaccurate credit reporting
FCS uses a variety of phone numbers, which has led to confusion and complaints across forums and consumer advocacy platforms. Some sources, such as Agruss Law Firm, recommend that consumers request written validation before making any payments due to possible errors in account ownership.
Additionally, review platforms like WalletHub show low user ratings, suggesting customer frustration—particularly from those in the health and fitness industries.
How Does Their Model Compare to ACB?
First Credit Services’ broad industry reach and hybrid BPO/debt collection services position them more as a corporate-scale provider. But this one-size-fits-all approach may not work for businesses that need industry-specific recovery with high transparency, legal compliance, and personalized account handling.
At Advanced Collection Bureau, we’ve designed our services around the needs of:
- Landlords and property managers
- Healthcare providers
- Senior living facilities
- Small-to-midsize businesses
Here’s what sets ACB apart:
- No hidden fees or interest—you only pay if we collect
- Twice-monthly credit reporting to boost impact
- Advanced skip tracing to locate debtors quickly
- 100% U.S.-based staff for compliance and professionalism
- 25+ years of recovery experience
We understand how important your reputation is. That’s why our communication is clear, respectful, and in full compliance with the Fair Debt Collection Practices Act (FDCPA). We’re not just collecting debt—we’re protecting your brand.
For more, explore:
How to Choose the Right Collection Partner for Healthcare Debt
Preserving Tenant Relationships During Collections
When Bigger Isn’t Always Better
FCS’s nationwide presence and BPO offerings might appeal to large institutions, but many landlords and small businesses benefit more from working with a specialized recovery agency. Why? Because personalized support, speed, and transparency are often lost in the volume of large-scale operations.
If you’ve ever struggled with late rent, unpaid medical bills, or a client who vanished without paying, you know the importance of fast, effective action. At ACB, we don’t delay. We dig deep to recover what’s yours—without compromising your professionalism.
Learn more about our success-based process:
How Contingency-Based Debt Recovery Works
Final Thoughts
First Credit Services, Inc. is a national player in the debt collection world. But for businesses that value responsiveness, compliance, and transparency, the bigger agency isn't always the better fit.
Whether you’re managing properties, healthcare accounts, or service contracts, Advanced Collection Bureau offers a reliable, ethical way to recover what you’re owed—without risking your reputation or losing control of the process.
