Much More Than Collections
Modern Customer Engagements and Receivables Management
FCS Contacted Me
Did you hear from us or find us on your credit report?
Explore Our Collection Services
Explore Our BPO Services
WHY US
What Makes Us Different? UCEP
UCEP (Unified Consumer Engagement Platform) is a comprehensive digital-first engagement and payment platform designed to modernize credit collections through AI debt collection technology and personalized interactions. It enables consumers to manage their outstanding balances with ease while helping businesses streamline compliant, data-driven credit collections and payment recovery.
Digital First
Our comprehensive digital-first strategy features personalized emails, SMS, and chat, ensuring seamless communication with consumers. When necessary, we complement these modern methods with traditional options like phone calls, offering a full spectrum of communication channels to meet every need.
AI Crafted Contact Strategy
UCEP tailors a unique strategy for each consumer, predicting the most effective communication methods and optimal times to connect. This personalized approach enables us to achieve some of the highest reach rates in the industry.
Pay With Ease
We are your trusted partner
30+
years of experience
3
global call centers
125 Million +
interactions a year
Fortune 500
client base
WHAT WE DO
Our Services
First Credit Services is a BPO company and an omnichannel debt collection agency that specializes in First-Party and Third-Party collections, credit collection services, and Customer Service Outsourcing. Leveraging our experience in portfolio recovery services, along with our flexible UCEP platform, we can tailor our consumer engagements to meet most business needs.
First Party Collections
Failed payment recovery and early stage collections.
Third Party Collections
Effective and compliant late stage collection services.
Digital Collections
Digital engagements with omnichannel workflows for a modern recovery strategy
Business Process Outsourcing
Outsourced customer service functions or departments.
Extended Business Office
Healthcare collection services
OUR EXPERTISE
Industries We Serve
It is important to find business partners who have experience in your industry. They should understand all of the industry nuances and be well versed in the related jargon. You should feel comfortable that the vendor you select has proven that their processes and strategies work in your marketplace.
With more than 30 years of being in business, First Credit Services has built a team of the best debt collectors specializing in early and late stage collections. Along with being the best debt collection agency, we have over 20 years of experience specializing in Business Process Outsourcing Solutions. We pride ourselves in our ability to build effective outsourcing programs to meet the exact requirements and budgets of each business. This strategy and our experience makes us the right choice for industries like Automotive Finance, Fintech, Healthcare, Credit Card, Health and Fitness, and Government.
OUR RECOGNITIONS
Our Certifications
OUR INSIGHTS
The Latest From First Credit Services
Frequently Asked Questions
When should a business hire a debt collection agency?
A business should consider hiring a debt collection agency when internal reminders fail, invoices remain unpaid for 60–90 days, or teams lack the time to follow up consistently. An agency improves recovery rates through professional outreach and compliant processes.
How does a debt collection agency contact customers?
A debt collection agency uses approved methods such as phone calls, emails, letters, SMS, and secure online portals. All communication must follow federal and state regulations, ensuring respectful and compliant interactions with the customer.
How long does a collection stay on a credit report?
Most collection accounts remain on a credit report for up to seven years from the original missed payment date, even after repayment.
What is the difference between credit collection and debt recovery?
Credit collection focuses on early stage overdue payments, while debt recovery handles long term or legally escalated cases.
Get in touch
Interested to know more? We can help.