Who is FirstPoint Collection Resources?
FirstPoint Collection Resources, also known as FirstPoint Inc., is a debt collection agency based in Greensboro, North Carolina. Their role is to pursue the collection of outstanding debts on behalf of their clients.
If you notice them on your credit report as a collections account, this indicates that you may have a debt that you failed to settle, and it has now been handed over to them for collection.
Who does FirstPoint Collection Resources collect for?
FirstPoint Collection Resources provides a broad range of services, including accounts receivable management, collections, background screening, business credit reports, Equifax credit and mortgage solutions, and mystery shopping.
The industries they serve are wide-ranging. In education, they might handle unpaid student loans. In finance, they might deal with unsettled loans or credit card debt. They also work with government entities, handling unresolved fines or taxes. In healthcare, they typically address unpaid medical bills. Finally, they work with public utilities to collect unpaid bills for water, electricity, or gas.
Is FirstPoint Collection Resources legit or a scam?
FirstPoint Collection Resources is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.
How can I remove FirstPoint Collection Resources from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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FirstPoint Collection Resources, Inc. Contact Information
Address:
FirstPoint Collection Resources, Inc.
225 Commerce Pl
Greensboro, NC 27401
FirstPoint Collection Resources, Inc.
1500 Sunday Drive, Suite 102
Raleigh, NC 27607
Phone number: (800) 288-7408
Should I contact or pay FirstPoint Collection Resources?
Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.
The most effective way to deal with a collection agency is to work with a credit repair professional. They help remove millions of negative items every year from companies like First Point Collection Resources, Inc. on behalf of their clients.
Will FirstPoint Collection Resources sue me or garnish my wages?
FirstPoint Collection Resources is entitled to sue for unpaid debts. If they choose to take legal action and win a judgment against you, they may be able to garnish your wages or bank account, depending on your state’s laws.
However, suing is usually a last resort due to the time, money, and effort it requires. Before it gets to that point, it’s often best to try to work out a payment plan or settlement with the debt collector.
FirstPoint Collection Resources, Inc. Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, 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 disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with FirstPoint Collection Resources, Inc.
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for FirstPoint Collection Resources 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. They have 30 days to prove the debt is yours and the amount is accurate.
- FirstPoint Collection Resources, Inc. cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- FirstPoint Collection Resources must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- FirstPoint Collection Resources cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove FirstPoint Collections From Your Credit Report Today!
Credit Saint offers assistance with disputing First Point accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
