Are you constantly receiving calls from First States Financial Services about a debt? Are the calls aggressive, intimidating, or coming at odd hours? If so, you may be facing First States Financial Services debt collection harassment — and you have legal rights to stop it.
Debt collection should be fair and professional, but many agencies overstep boundaries, turning a financial issue into a daily nightmare. Fortunately, the Fair Debt Collection Practices Act (FDCPA) gives consumers powerful protections. If First States Financial Services has violated these rules, you may be entitled to financial compensation and legal support.
In this blog, we’ll explain who First States Financial Services is, what qualifies as harassment, how to respond, and how Consumer Rights Law Firm PLLC can help you reclaim your peace of mind.
Who Is First States Financial Services?
First States Financial Services, LLC is a debt collection agency that collects on behalf of original creditors. They may handle a variety of debt types including medical bills, utility accounts, credit card debt, and more.
Although they are a licensed and legally operating business, they are not above the law. If their agents use threats, deception, or repeated contact to pressure you, that could be considered First States Financial Services debt collection harassment, and it’s grounds for legal action.
What Counts as Debt Collection Harassment?
Debt collection harassment refers to any unfair, aggressive, or illegal attempt to collect a debt. Under the FDCPA, debt collectors are prohibited from using abusive, misleading, or harassing behavior when communicating with consumers.
Signs of First States Financial Services debt collection harassment:
- Repeated calls multiple times per day
- Calls made before 8 a.m. or after 9 p.m.
- Threatening legal action without proper basis
- Calling your workplace after being told not to
- Refusing to provide written verification of the debt
- Speaking with your family or employer about the debt
- Using profanity, insults, or intimidating tone
- Contacting you after a cease-and-desist request
Even if the debt is real, First States Financial Services must still follow these rules. Failure to do so is illegal.
Real-Life Consumer Complaints
Many individuals have reported experiencing First States Financial Services debt collection harassment. Here are just a few examples that represent common issues:
Tasha – North Carolina
Tasha says she received over 10 calls in one week. She told the agent she needed written proof of the debt, but they refused and continued calling her daily.
Roger – Illinois
Roger was recovering from surgery when collectors from First States began calling him up to six times a day. One caller said, “You need to pay up now, or we’ll escalate the matter to court.”
Brianna – New York
Brianna’s elderly mother was contacted about her debt, even though she never authorized them to speak to anyone else. She described the experience as “embarrassing and traumatic.”
These are all examples of First States Financial Services debt collection harassment, and they are clear violations of the FDCPA.
How They Get Your Information
Collection agencies like First States Financial Services often use the following sources to obtain your contact details:
Once they have your phone number or email, they may begin contacting you persistently — and sometimes illegally.
What Are Your Rights Under the FDCPA?
The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects consumers from abusive debt collection tactics. If a collector violates these rights, they can be held liable.
Your FDCPA Rights Include:
- The right to request written validation of the debt
- The right to send a cease-and-desist letter
- Protection from false threats, insults, and deception
- The right to stop contact at your workplace
- The right to sue for damages and legal fees
If you’ve experienced First States Financial Services debt collection harassment, you are not powerless — you have options.
What To Do If You’re Being Harassed
Here’s what you can do right now if you’re receiving threatening or repeated calls from First States Financial Services:
1. Document Everything
- Keep a log of every call, voicemail, email, and letter
- Note down agent names, phone numbers, and what was said
- Save voicemails and written communication
2. Request Debt Validation
Under the FDCPA, you have 30 days from the first contact to request proof of the debt. If they can’t verify it, they must stop collection efforts.
3. Send a Cease-and-Desist Letter
You can formally ask them to stop contacting you. Once they receive your letter, they may only contact you to confirm they will stop or notify you of legal action.
4. File a Complaint
If harassment continues, report them to:
- The Consumer Financial Protection Bureau (CFPB)
- The Federal Trade Commission (FTC)
- Your State Attorney General
5. Contact Consumer Rights Law Firm PLLC
We’ll step in immediately to stop the harassment and help you pursue legal action if needed.
Can You Sue First States Financial Services?
Yes. If your rights under the FDCPA have been violated, you may be entitled to:
You don’t need to prove that the debt is invalid. Even harassing behavior while collecting a legitimate debt is illegal.
How Consumer Rights Law Firm PLLC Can Help
At Consumer Rights Law Firm PLLC, we’ve helped thousands of consumers stop illegal collection practices and get compensated for the harassment they’ve endured.
Here’s How We Help:
✅ Free case evaluation
✅ No upfront legal fees
✅ We stop the calls and letters immediately
✅ We sue on your behalf and pursue damages
✅ You don’t pay unless we win
Our team specializes in FDCPA cases and knows how to hold agencies like First States Financial Services accountable.
Frequently Asked Questions
Q: Is First States Financial Services a scam?
No, they are a real debt collection agency. But many legitimate agencies still violate the law with how they attempt to collect debts.
Q: What if I don’t owe the debt?
You can request written verification. If they cannot provide proof, they must stop contacting you.
Q: Can they call me at work?
Only once to verify employment. After that, if you tell them not to call your workplace, they must stop.
Q: Can they threaten me with jail or arrest?
Absolutely not. That is a clear violation of the FDCPA and may be considered harassment.
Final Thoughts
First States Financial Services debt collection harassment can feel overwhelming, especially if you’re already under financial pressure. But you don’t have to tolerate the abuse. The law is clear: You have the right to fair treatment, privacy, and peace of mind.
Let Consumer Rights Law Firm PLLC help you stop the calls, fight back legally, and possibly recover financial compensation.
