First Credit Services: Who They Are and Your Rights

Type

Collection agency

Also known as

First Credit Services Inc.; FCS; Accounts Receivable Technologies; A/R Tech

Headquarters

Piscataway, NJ

Collects

medical bills, health club memberships, auto finance accounts, government accounts

Website

firstcreditonline.com

939 debt collection complaints were sent to the Consumer Financial Protection Bureau about First Credit Services Inc. from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.

Who Is First Credit Services?

First Credit Services, Inc. (FCS) is an accounts receivable management company based in Piscataway, New Jersey. Its BBB business profile lists a business start date of June 1993 and an address at 9 Wills Way, Building 3, Piscataway, NJ 08854, and shows alternate names including Accounts Receivable Technologies and A/R Tech. In a 2017 industry announcement, FCS described itself as licensed nationwide, named Raj Chhabria as CEO, and reported that it had acquired American Healthcare Outsourcing Alternatives, a Georgia healthcare collections firm.

Why First Credit Services May Be Contacting You

In that 2017 announcement, FCS listed the markets it served as healthcare, health and fitness, auto financial services and government, among others, and said it offered receivables management "across the revenue cycle." That covers a wide range of possible accounts:

• a hospital, emergency physician or clinic bill, possibly first handled as an early-stage billing account;
• unpaid gym or health club dues or a cancellation fee;
• a deficiency balance after a car was repossessed and sold, or past-due auto loan payments;
• a fee, fine or service charge owed to a government agency.

The letter should identify the creditor. Before paying, confirm that the phone number and address printed on your notice match the ones on First Credit Services' official website.

How to Check a Debt First Credit Services Says You Owe

Each of these account types has its own paper trail, and FCS should be able to get it from the creditor.

• Read the validation notice. It must name the creditor and itemize the debt, and it must tell you how and by when to dispute (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
• Dispute in writing within the validation period. That requires FCS to stop collecting until it sends verification.
• Request the right records. For an auto deficiency, ask for the repossession and sale notices and how the sale price was credited. For a gym, ask for the contract and cancellation record. For a medical bill, ask for the itemized statement and insurance payments.
• Ask about ownership. Confirm whether the creditor still owns the account or whether it was sold.
• Check the date of default. Texas generally gives a creditor four years to sue on a consumer debt (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on a time-barred one (Tex. Fin. Code § 392.307). Different rules apply in other states and to some government debts.

What First Credit Services Can and Can't Do

An agency collecting consumer debts for clients is a "debt collector" under 15 U.S.C. § 1692a(6). Some limits that matter for these account types:

• It may not threaten repossession or other action that is not legally available or not intended (15 U.S.C. § 1692e(5)). After a car has been sold, a deficiency is an unsecured debt.
• Texas does not allow wage garnishment for ordinary consumer debts such as gym dues, medical bills or an auto deficiency.
• Calls are presumed excessive above seven in seven days for one debt (12 C.F.R. § 1006.14(b)(2)); if you have several accounts with FCS, ask that it stop calling at times or places that are inconvenient for you.
• It may not reveal a medical debt to your employer or family members.

We did not find an enforcement action against First Credit Services in the CFPB's enforcement actions list, the FTC's case database, the Connecticut Department of Banking's 2016–2026 consumer credit orders, California DFPI enforcement records or the New York DFS enforcement actions list, which we checked in November 2026. If you believe FCS violated your rights, see our Texas FDCPA attorneys page.

We Sue Debt Collectors That Break the FDCPA

Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If First Credit Services or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.

Free FDCPA Case Review(214) 851-2250

Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.

Sources

• insideARM: First Credit Services acquires American Healthcare Outsourcing Alternatives (2017)
• BBB business profile: First Credit Services (address, start date and alternate names)
• CFPB Consumer Complaint Database: First Credit Services Inc., debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that First Credit Services has violated any law. Company details change; tell us if something here is out of date.