First Financial Resources, Inc. is a contingency-fee collection agency in Framingham, Massachusetts. It collects for ambulance and medical services, educational institutions and financial institutions.
- Type
- Collection agency
- Also known as
- First Financial Resources, Inc.; First Financial Resources of MA, Inc.; FFR
- Headquarters
- Framingham, MA
- Collects
- ambulance and EMS bills, medical bills, school balances, financial institution accounts
139 debt collection complaints were sent to the Consumer Financial Protection Bureau about First Financial Resources, 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 Financial Resources?
First Financial Resources, Inc. is a third-party collection agency that works on a contingency basis, meaning it is paid out of what it recovers. Its listing in the American Ambulance Association's vendor directory gives its address as 495 Old Connecticut Path, Suite 220, Framingham, Massachusetts, and says it has worked with more than 1,300 businesses nationwide. In North Carolina it appears as First Financial Resources, Inc. d/b/a First Financial Resources of MA, Inc.
The North Carolina Department of Insurance, which licenses collection agencies in that state, lists a voluntary settlement agreement with the company that it tags as a collection-agency matter with a fine or penalty. The record was published in January 2023 and its attached agreement is dated February 6, 2023. The listing page does not describe the underlying issue. We did not find a CFPB enforcement action against First Financial Resources.
Why First Financial Resources May Be Contacting You
First Financial Resources' directory listing names ambulatory and medical services first among its clients, followed by educational institutions and financial institutions. The most likely reason for a letter is an unpaid ambulance ride or emergency medical transport. Ambulance bills often go to collection because the patient was never asked for insurance information at the scene, or because insurance denied part of the claim. Less often, its letters concern a school balance or a bank or credit union account.
How to Check a Debt First Financial Resources Says You Owe
Ambulance bills are frequently billable to insurance or Medicare, so check coverage before you pay.
- Read the validation notice. It should name the ambulance service or other creditor, the date of service and the itemized balance (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing within the validation period if the transport should have been billed to your insurer, Medicare or Medicaid, or if you weren't the patient. First Financial Resources must stop collecting until it verifies.
- Send your insurance details to the ambulance provider and ask it to bill the claim. Many collection balances shrink once the claim is processed.
- Ask who the creditor is now. Confirm whether the ambulance provider still owns the account or has sold it.
- Look at the dates. Texas generally allows four years to sue on a consumer debt (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers cannot sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Other states use different periods.
What First Financial Resources Can and Can't Do
A contingency agency collecting for others is a "debt collector" under 15 U.S.C. § 1692a(6). Under federal law:
- It may not report a medical debt to a credit bureau before communicating with you about it (12 C.F.R. § 1006.30(a)). See medical-debt reporting changes.
- It may not misrepresent the character, amount or legal status of the bill (15 U.S.C. § 1692e(2)).
- It may not contact third parties about your debt beyond limited location requests (15 U.S.C. § 1692c(b)).
- It must keep calls within Regulation F's seven-in-seven presumption (12 C.F.R. § 1006.14(b)(2)).
Questions about a First Financial Resources letter? Contact our FDCPA attorneys.
Government Actions on the Public Record
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 Financial Resources 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
- American Ambulance Association vendor directory: First Financial Resources, Inc.
- N.C. Department of Insurance: First Financial Resources, Inc. d/b/a First Financial Resources of MA, Inc.
- CFPB enforcement actions search
- CFPB Consumer Complaint Database: First Financial Resources, Inc., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that First Financial Resources has violated any law. Company details change; tell us if something here is out of date.