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 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.
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
Know a company First Choice Credit Services (FSTCCS) collects for?
First Choice Credit Services (FSTCCS) phone numbers
These numbers are commonly associated with First Choice Credit Services (FSTCCS):
| Phone number | Type |
|---|---|
| Main | |
| General | |
| General |
Got a call from a number not shown here?
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.
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
First Choice Credit Services (FSTCCS) phone numbers
These numbers are commonly associated with First Choice Credit Services (FSTCCS):
| Phone number | Type |
|---|---|
| Main | |
| General | |
| General |
Got a call from a number not shown here?
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.
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 contact details from the official First Choice Credit Services website.
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 March 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 (March 2026)
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 to do if First Choice Credit Services (FSTCCS) calls you (step by step)
Step 1: Ask for written verification. Get the original creditor's name, the amount claimed, the date of last activity, and the account number. Don't confirm anything until you've reviewed everything in writing.
Step 2: Don't share personal details. No address, date of birth or banking information until you've confirmed the debt is yours.
Step 3: Check your own records. Pull your credit report from Equifax or TransUnion and compare it to what First Choice Credit Services (FSTCCS) sent you.
Step 4: Dispute the debt in writing if it's wrong. Keep copies of everything you send.
Step 5: Negotiate if the debt is correct. You can offer a lump sum for less than the full amount or arrange a payment plan. Get any agreement in writing before you pay.
Step 6: Pay by a traceable method. Collection agencies like First Choice Credit Services (FSTCCS) typically accept online banking, Interac e-Transfer, credit or debit card through their website, or in person at a bank branch. Always get a receipt.
Step 7: Talk to a Licensed Insolvency Trustee or non-profit credit counselling service if you owe the debt and can't pay.
Source: Government of Canada (FCAC) – Dealing with a debt collector
Only consider a loan or a line of credit if you can comfortably afford the repayments. If you're unsure what to do, speak to a non-profit credit counsellor or a Licensed Insolvency Trustee first.
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.
| Province / Territory | Limitation period |
|---|---|
| Ontario, BC, Alberta, Saskatchewan, Manitoba, New Brunswick, Nova Scotia | 2 years |
| Quebec | 3 years |
| Newfoundland and Labrador, PEI, Northwest Territories, Nunavut, Yukon | 6 years |
Once the limitation period expires, First Choice Credit Services (FSTCCS) can still sue you, but you can raise the expired limitation period as a defence. If you do, the court will dismiss the case.
Making a payment or acknowledging the debt in writing restarts the limitation period, but only if it hasn't already expired. If you're unsure whether a debt is still within the limitation period, get legal advice before making any payment.
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 First Choice Credit Services (FSTCCS) from calling
If you want phone calls to stop, send First Choice Credit Services (FSTCCS) a written request. It won't erase the debt or prevent legal action, but it stops repeated calls, depending on your province.
Copy and paste this template:
Hello,
I request that you stop contacting me by phone regarding this account and communicate with me only in writing.
Please send written verification of the debt, including:
- The original creditor name
- The amount claimed
- A breakdown of principal, interest and fees
- The account reference number
- The date of last activity on the account
Do not contact me at my workplace.
Thank you,
[Your full name]
[Your mailing address or email]
[Your phone number (optional)]
[Date]
Note: Check your province's rules for any requirements to stop contact.
Source: Government of Canada (FCAC) - Dealing with a debt collector
How to file a complaint about First Choice Credit Services (FSTCCS)
If First Choice Credit Services (FSTCCS) doesn't follow the debt collection rules, contact the consumer protection authority in your province.
Before filing, document the dates and times of contact, the phone number used, what was said, and copies of any emails, letters or texts.
For contact details and links to your provincial office, visit the Federal, Provincial and Territorial Consumer Affairs Offices directory.
You can also file a complaint through the Better Business Bureau (BBB).
First Choice Credit Services (FSTCCS) locations
Locations that First Choice Credit Services (FSTCCS) operate in:
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.
Common variations
People sometimes search for this agency under slightly different names or misspellings. These are the most common variations we see.
FST
FST Canada
FAQs
Yes. FSTCCS is the abbreviation for First Choice Credit Services Inc. The company uses both names. Verify the details using the official contact information on the website.
Request written verification showing the creditor's name and the amount owed. Do not pay until you have confirmed it is legitimate. If you believe there is an error, dispute the debt in writing.
Not automatically. To garnish wages or freeze accounts, a creditor generally needs a court judgment first.
Collection agencies can call third parties to locate you, but they generally cannot discuss your debt with anyone else. If you ask them to stop calling your workplace, they must stop.
If a debt is sent to collections, it appears on your credit report and lowers your credit score.
First Choice Credit Services often appears on your credit report as FSTCCS Inc.
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
Yes, you can negotiate a settlement at any stage of the collections process. Always get the settlement terms in writing before you pay.
Yes. First Choice Credit Services Inc. operates in both Canada and the United States. The company is headquartered in Toronto, Ontario.
No. As of 2026, First Choice Credit Services is not BBB Accredited.
Other collection agencies in Canada
Joe launched CollectionAgencies.ca in 2025. He maintains the directory, researches collection agencies across Canada, and manages the site's editorial content. Agency listings are sourced from provincial licensing records and legislation.