If First Credit Services is contacting you about a debt, knowing your rights under the Fair Debt Collection Practices Act (FDCPA) is essential. Repeated or excessive phone calls—especially multiple calls per day or calls made early in the morning or late at night—may qualify as harassment. Debt collectors are also prohibited from threatening lawsuits, wage garnishment, or arrest if th... https://protectionforconsumers.com/end-credit-services-debt-collection-harassment/