First Direct Mediation


Is First Direct Mediation hurting your credit score?

Schedule a free credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

Who is First Direct Mediation?

First Direct Mediation, Inc. is a debt collection agency based in Amherst, New York. Their role is to pursue debts on behalf of creditors.

If First Direct Mediation has contacted you or appears on your credit report, it’s likely due to an outstanding debt they are attempting to collect.

Who does First Direct Mediation collect for?

First Direct Mediation collects for payday lenders and other creditors. Payday lenders provide short-term, high-interest loans, often to individuals with poor credit or financial difficulties. These lenders may engage collection agencies like First Direct Mediation when borrowers default on their loans.

Is First Direct Mediation legit or a scam?

First Direct Mediation is a legitimate company. They operate within legal parameters to collect debts on behalf of their clients. Despite their legitimacy, it’s critical to verify any debts they claim you owe.

How can I remove First Direct Mediation from my credit report?

Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(While debt collectors may not want this information to be widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services work with people who want to get their credit back on track.

In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

First Direct Mediation Contact Information


First Direct Mediation, Inc.
3380 Sheridan Dr. Suite 105
Amherst, NY 14226

Phone number: (833) 709-2888

Should I contact or pay First Direct Mediation?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.

The most effective way to deal with First Direct Mediation is to work with a credit repair professional. They help remove millions of negative items every year from companies like First Direct Mediation on behalf of their clients.

Will First Direct Mediation sue me or garnish my wages?

First Direct Mediation has the legal right to sue you for the unpaid debt. If they initiate a lawsuit and win, the court may grant them a judgment that allows them to garnish your wages or levy your bank account. The specifics of this process can vary depending on the laws in your state or jurisdiction.

However, it’s important to note that lawsuits are typically a last resort for debt collection agencies, given their cost and complexity.

First Direct Mediation Complaints

Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If a debt collector is harassing you, you may want to consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

Your Rights When Dealing with First Direct Mediation

Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

  • It is a violation of federal law for First Direct Mediation to report inaccurate or incomplete information about you.
  • You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • First Direct Mediation may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • First Direct Mediation must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
  • First Direct Mediation cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove First Direct Mediation From Your Credit Report Today!

Credit Saint can assist you in disputing First Direct Mediation collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.