At a glance
First Choice Credit Services Inc. (FSTCCS) is a debt collection agency headquartered in Toronto, Ontario. The company operates in both Canada and the United States.
If First Choice Credit Services contacts you, request written verification of the debt before sharing any personal information or making any payments.
Debt collection rules vary by province, but there are rules governing harassment, misleading statements and when collectors can call.
What is First Choice Credit Services?
First Choice Credit Services Inc. (also known as FSTCCS) 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.
Contact First Choice Credit Services (FSTCCS)
Contact this debt collection agency to verify details, dispute the debt, or resolve your account.
Visit agency websiteWhy 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
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.
Never pay a debt you cannot verify in writing.
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.
Is First Choice Credit Services (FSTCCS) a licensed collection agency in Ontario?
Fstccs Inc., operating as First Choice Credit Services (FSTCCS), is registered in Ontario as a collection agency under the Collection and Debt Settlement Services Act. The table below shows confirmed licence records as of February 2026.
| Legal Name | Location | Licence number | Status | Expiry |
|---|---|---|---|---|
| Fstccs Inc. | Toronto, ON | 4741377 | Issued | May 12, 2027 |
Source: Government of Ontario – Search for a business licence (February 2026)
Scammers sometimes impersonate legitimate debt collectors. Always verify any debt in writing before making payments using contact details from the official First Choice Credit Services website.
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 crypto
- 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 crypto.
Can First Choice Credit Services call me at any time?
No. Contact rules vary by province, and there are specific time limits collectors must follow.
Under Ontario debt collection laws, collection agencies can't contact you about a debt:
- Before 7:00 AM or after 9:00 PM (Monday to Saturday)
- On Sundays, except between 1:00 PM and 5:00 PM
- On public holidays
Note: Calling hours vary by province.
What to do if First Choice Credit Services calls you
Step 1: Request written debt verification (creditor, amount, account).
Step 2: Do not confirm the debt is yours until you have reviewed the details in writing.
Step 3: Avoid sharing sensitive personal information unless you are sure it is legitimate.
Step 4: If you believe the debt is incorrect, dispute it in writing and request proof.
Step 5: If you want the calls to stop, send a written request (province rules vary).
Step 6: If you are overwhelmed by debt, consider speaking with a Licensed Insolvency Trustee. The first consultation is free.
Source: Government of Canada (FCAC) – Dealing with a debt collector
Verify first, then decide whether to pay, dispute, or seek professional help.
Your options if the debt is real
You can negotiate a debt settlement at any stage of the collections process.
Pay in full
Resolves the account, but not always the best choice if the debt is old or disputed.
Negotiate a settlement
You can settle for less than the full amount owed. Once you and First Choice Credit Services have reached a settlement amount, request a settlement agreement signed by both parties.
Ensure the deal confirms that the unpaid portion of the debt will be forgiven.
Set up a payment plan
FSTCCS offers payment programs for customers, including the option to pay online or by phone. Only commit if you can stick to it.
Dispute the debt
If the debt is wrong or has already been paid, dispute it in writing and request proof.
Speak with a Licensed Insolvency Trustee
The first consultation is free.
How to settle a debt with First Choice Credit Services
When negotiating a settlement:
- Request written verification of the debt first
- Determine what you can realistically afford to pay
- Make your offer in writing
- Get the settlement agreement in writing before you send any payment
- Ensure the contract states that the remaining balance will be forgiven
- Keep copies of all correspondence
Get every settlement agreement in writing before sending any payment.
How First Choice Credit Services affects your credit report
If a debt is sent to collections, it appears on your credit report and lowers your credit score.
Collection accounts can remain on your credit report for six to seven years from the date of first delinquency, even after you pay.
Source: Government of Canada (FCAC) – How long information stays on your credit report
What if the debt is old?
There are time limits on how long a creditor can sue you to collect. After the limitation period has expired, the creditor can still ask you to pay, but generally cannot take you to court.
The limitation period is the time a creditor has to take legal action against you. Once it expires, the debt becomes "statute-barred," meaning the creditor loses the right to sue you for it.
| Province | Limitation period |
|---|---|
| Ontario | 2 years |
| British Columbia | 2 years |
| Alberta | 2 years |
| Saskatchewan | 2 years |
| Manitoba | 6 years |
| Québec | 3 years |
Warning: Making a payment or acknowledging the debt in writing can restart the limitation period.
Know your province's limitation period and avoid actions that restart the clock.
Know another company First Choice Credit Services (FSTCCS) collects for?
First Choice Credit Services (FSTCCS) locations
Locations that First Choice Credit Services (FSTCCS) operate in:
First Choice Credit Services (FSTCCS) phone numbers
These numbers are commonly associated with First Choice Credit Services (FSTCCS):
| Phone number | Type |
|---|---|
| Main | |
| General | |
| General |
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.
Got a call from a number not shown here?
Provinces served
- Alberta
- British Columbia
- Manitoba
- New Brunswick
- Newfoundland and Labrador
- Northwest Territories
- Nova Scotia
- Nunavut
- Ontario
- Prince Edward Island
- Quebec
- Saskatchewan
- Yukon
Legal Name
First Choice Credit Services Inc.
Also known as:
FSTCCS Inc.
FST
FST Canada
Template: request First Choice Credit Services stop calling you (in writing)
If you want phone calls to stop, you can send First Choice Credit Services a written request. It will not erase the debt or prevent legal action, but it can stop repeated calls.
Source: Government of Canada (FCAC) – Dealing with a debt collector
How to file a complaint about First Choice Credit Services
If you believe First Choice Credit Services has violated debt collection rules, contact the consumer protection authority in your province.
Before filing a complaint, document the dates and times of contact, the phone number used, what was said and copies of any emails, letters or texts.
Each province has its own consumer protection office that oversees the licensing of collection agencies and handles complaints.
For contact details and links to your provincial office, visit the Federal, Provincial and Territorial Consumer Affairs Offices directory.