FirstPoint Collection Resources, Inc. is the debt collection division of FirstPoint, a Greensboro, North Carolina company whose roots go back to a 1906 merchants' association. Its letters usually concern a hospital, physician or utility bill.
- Type
- Collection agency
- Also known as
- FirstPoint Collection Resources, Inc.; FirstPoint, Inc.
- Headquarters
- Greensboro, NC
- Collects
- hospital bills, physician bills, utility bills, city utility accounts, public university balances
- Phone numbers it lists
- (800) 563-4807
- Website
- firstpointresources.com
794 debt collection complaints were sent to the Consumer Financial Protection Bureau about FirstPoint Collection Resources 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 FirstPoint Collection Resources?
FirstPoint Collection Resources, Inc. is the collections arm of FirstPoint, a back-office services company headquartered at 225 Commerce Place in Greensboro, North Carolina. FirstPoint says its history begins in 1906 with the Greensboro Merchants Association, which by 1940 had become the Credit Bureau of Greater Greensboro, and that FirstPoint Holdings was formed in 2001 to bring its divisions under one brand. Besides collections, FirstPoint runs call center, background screening and association management businesses and reports more than 300 employees.
The collections page lists NMLS ID 939550 for FirstPoint Collection Resources, Inc., says the agency is licensed and bonded, and gives (800) 563-4807 as its collections number. Payments are taken through an outside portal linked from the site.
Why FirstPoint May Be Contacting You
FirstPoint markets its collections to healthcare and utility clients. Testimonials on its collections page come from hospital and physician-office clients, a city utility and a state university, and the page talks about reducing utility service disconnections and running debt setoff collections. In practice, a FirstPoint letter, call, text or email usually concerns:
- a hospital or doctor's bill left after insurance;
- a final utility bill, including from a municipal utility; or
- a balance owed to a public college or university.
FirstPoint says it contacts people through agent calls, automated phone systems, letters, email and text, so the first contact may arrive in any of those forms.
How to Check a Debt FirstPoint Says You Owe
For medical and utility accounts, the original provider's records usually settle the question.
- Read the validation notice. It must name the creditor, show how the balance was itemized, and give a dispute deadline (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing within the validation period. Ask for the itemized hospital or physician statement and the insurance explanation of benefits, or the utility's final bill and service address.
- Ask whether the provider still owns the debt. Most placements remain the provider's, but confirm it.
- Check for financial assistance. Many hospitals have charity-care or financial assistance programs; ask the hospital whether you qualified before paying a collector.
- Watch the calendar. In Texas, the general limit to sue on a debt is four years (Tex. Civ. Prac. & Rem. Code § 16.004), and a debt buyer cannot sue after it expires (Tex. Fin. Code § 392.307). Other states' periods differ.
What FirstPoint Can and Can't Do
As a third-party agency collecting for its clients, FirstPoint is a "debt collector" under 15 U.S.C. § 1692a(6). Rules that matter for medical and utility accounts:
- Paid medical collections and medical collections under $500 should no longer appear on credit reports from the three national bureaus (see our update).
- It may not report a debt to a credit bureau before it has communicated with you about it (12 C.F.R. § 1006.30(a)).
- Texts and emails must include a simple way to opt out (12 C.F.R. § 1006.6(e)), and more than seven calls in seven days is presumed harassing (12 C.F.R. § 1006.14(b)(2)).
- It may not discuss your medical debt with your employer, neighbors or relatives except to find your location (15 U.S.C. § 1692c(b)).
Read whether you can be sued over medical bills in Texas, or see our 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 FirstPoint Collection 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
- FirstPoint: home page
- FirstPoint: About
- FirstPoint: Collections services
- CFPB Consumer Complaint Database: FirstPoint Collection Resources, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that FirstPoint Collection Resources has violated any law. Company details change; tell us if something here is out of date.