What is First Choice Credit Services?
First Choice Credit Services Inc. (also known as FSTCCS Inc.) is a debt collection agency that recovers unpaid debts for businesses. The company is headquartered in Toronto, Ontario.
First Choice Credit Services offers both first-party and third-party collection services across Canada and the United States. The company's agents work in English, French and Spanish.
Why is First Choice Credit Services calling me?
If you received a call, voicemail, email or letter from First Choice Credit Services, it usually means the company believes you have an outstanding account with a creditor it represents.
Sometimes the debt is legitimate. Other times, it is an old account, a mistake, a debt you don't recognize, or a scam attempt using a real company name. This happens more often than most people expect.
Always request written verification before confirming any debt or making a payment.
Source: Government of Canada (FCAC) – Dealing with a debt collector
First Choice Credit Services (FSTCCS) phone numbers
We called each of these numbers to confirm it reaches First Choice Credit Services (FSTCCS). Select a number to see call reports and what to do if they contact you.
| Phone number | Type |
|---|---|
| Main | |
| Local Office | |
| User Reported | |
| User Reported | |
| User Reported |
Some numbers are submitted by users. We call to verify each one and recheck periodically, but numbers can change.
If you receive a call from a different number claiming to be First Choice Credit Services (FSTCCS), verify the debt in writing and confirm the details before paying.
Who does First Choice Credit Services collect for?
Consumers report being contacted by First Choice Credit Services regarding debts owed to the companies listed below.
Consumer reports link First Choice Credit Services (FSTCCS) to four creditors, most often in banking and telecom.
Note: the companies listed above are gathered from user-submitted entries, online discussions, and public records. We try to verify these reports but cannot always confirm them. They do not represent confirmed contractual relationships with First Choice Credit Services (FSTCCS).Know another company First Choice Credit Services (FSTCCS) collects for?
What to ask First Choice Credit Services for before you pay
Ask for written documentation confirming the original creditor (who you actually owed money to), the amount owed, the account reference (your account number or identifier) and the date the debt relates to.
Source: Government of Canada (FCAC) – Debt collection: know your rights
Is First Choice Credit Services legitimate?
First Choice Credit Services Inc. is a registered business headquartered in Toronto, Ontario. The company publicly lists its corporate address and contact details on its website.
First Choice Credit Services is not BBB Accredited.
Scammers sometimes impersonate legitimate debt collectors. Always verify any debt in writing before making payments, using the contact details on the official First Choice Credit Services website.
Will First Choice Credit Services (FSTCCS) affect my credit score?
A collection account from First Choice Credit Services (FSTCCS) will severely damage your credit score once it's reported to Equifax or TransUnion.
It stays on your credit report for 6 years from the date of your first missed payment, known as the date of first delinquency. Paying it won't remove the mark from your credit file but updates the status to paid, which looks better to future lenders.
Source: Equifax Canada – How long does information stay on my credit report
What to do if First Choice Credit Services (FSTCCS) calls you (step by step)
Your rights when First Choice Credit Services contacts you
Debt collection rules vary by province, but throughout Canada, laws protect you from abusive collection practices.
Every time a debt collector contacts you, they must identify themselves.
Debt collectors are not allowed to:
- Harass, threaten, or intimidate you
- Make false or misleading statements
- Use profane, threatening, or coercive language
- Apply unreasonable or excessive pressure
- Continue contacting you at work after you have told them not to
Source: Government of Canada (FCAC) – Debt collection: know your rights
Red flags: how to spot a scam
Scammers sometimes impersonate debt collectors. Watch for these warning signs:
- They refuse to name the original creditor
- They threaten arrest, jail or deportation
- They demand payment by e-transfer, gift card or cryptocurrency
- They will not send anything in writing
Source: Government of Canada (FCAC) – Dealing with a debt collector
Legitimate collectors provide written verification and never demand payment by gift card or cryptocurrency.
What if the debt is old?
Every province has a time limit on how long a collection agency like First Choice Credit Services (FSTCCS) can sue you for an unpaid debt.
Ontario, BC, Alberta, Saskatchewan, Manitoba, New Brunswick, Nova Scotia
Quebec
Newfoundland and Labrador, PEI, Northwest Territories, Nunavut, Yukon
Once the limitation period expires, First Choice Credit Services (FSTCCS) can still sue you, but you can raise the expired limitation period as a complete defence. The defence isn't automatic. You have to file a defence in court and plead the expired limitation period. If you don't, the court will grant default judgment as if the limitation didn't apply.
Making a payment or acknowledging the debt in writing restarts the limitation period, but only if it hasn't already expired.
These limitation periods apply to most consumer debts like credit cards, lines of credit, and personal loans. Different rules may apply to government debts, court judgments, or secured debts like mortgages.
For more information, read our guide about debt statute of limitations.
How to stop calls from First Choice Credit Services (FSTCCS)
Sometimes, you can stop collection calls from a collection agency by sending a cease and desist letter. Once First Choice Credit Services (FSTCCS) receive it, they have to stop calling. The debt doesn't go away, and they can still take legal action. You can use our cease and desist letter templates.
Provincial law doesn't give you this right in Manitoba, Saskatchewan, Newfoundland and Labrador, Prince Edward Island or the Yukon.
Regardless of province, if the debt's on a loan, line of credit, or credit card, send the letter by registered mail under federal law. Federal law is the only law in Canada that also stops an original creditor's in-house collectors, not just a collection agency. You can send it to your original creditor and its collection agent, a collection agency or a law firm.
If First Choice Credit Services (FSTCCS) is making collection calls to you from its Ontario location, then you can send a cease and desist letter available under Ontario's law.
Restrictions on calls to your workplace
Many provinces and territories place restrictions on collection agencies when they attempt to call you at your workplace.
How to file a complaint about First Choice Credit Services (FSTCCS)
In Canada, debt collection is regulated province by province, not federally. The rules ban harassment, calling outside set hours, discussing your debt with your family or employer, and threatening legal action they have no intention of taking.
Source: Government of Canada (FCAC) – Debt collection: know your rights
If you think First Choice Credit Services (FSTCCS) is breaking any debt collection or privacy laws, contact the consumer protection authority in your province.
Before making a written complaint, document the dates and times of contact, the phone number used, what was said, and copies of any emails, letters or texts.
Some consumer protection agencies regulating the conduct of collection agencies will not process your complaint unless you first send a written complaint to the collection agency summarizing the conduct in question and making a request for remedial action.
For contact details and links to your provincial office, visit the Federal, Provincial and Territorial Consumer Affairs Offices directory.
Legal Name
First Choice Credit Services Inc.
FSTCCS Inc.
People sometimes search for this agency under slightly different names or misspellings. These are the most common variations we see.
FST
FST Canada