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FCC Finance (First Consumer Credit)

FCC Finance LLC, also known as First Consumer Credit, Inc. was started in 1995 and has offices in Dallas and Lewisville, Texas. If you visit the FCC Finance website, all you’ll see is a page with contact information—and nothing else. However, the Dallas yellow pages provides some insight into what FCC Finance LLC does. According to them, First Consumer Credit is a division of U.S. Home Systems. The parent company performs home improvement services, and also provides financing for people who want to do home improvement services. The collection of those accounts when they become past due is what FCC Finance does.

FCC Finance LLC does this by buying the consumer credit installment sales contracts from home improvement contractors. Then FCC Financial uses those contracts as part of a portfolio to negotiate sales with banks and other financial organizations, as well as insurance companies. If you have financed a home improvement project with a local contractor, you might find yourself in debt to First Consumer Credit if the contractor decides to sell the loan.

FCC Finance Complaints

As of June 2012, the Better Business Bureau accorded FCC Financial with a B rating, and logged 25 closed FCC Finance complaints within the previous three years, including 10 closed FCC Finance complaints within the previous 12 months.

Stop FCC Finance Harassment

The Fair Debt Collection Practices Act states that debt collectors – whether from FCC Financial or any other debt collection agency – cannot use false, deceptive, or misleading representation in their attempts to collect a debt, including implying that they are bonded by or affiliated with the United States government or any state. The FDCPA outlines the behaviors that debt collectors are not allowed to engage in, most of which are misleading, deceptive and abusive. Debt collectors may not imply that they are attorneys (if they are not), or that any communication they send you is from an attorney, if it is not. They cannot imply that you will arrested or imprisoned if you do not pay a debt, and they cannot threaten the garnishment of your wages, or sale of your property unless the debt collector or creditor actually intends to seek legal recourse to get a judgment against you.

Debt collectors – whether from FCC Finance LLC or any other debt collection agency – are only allowed to advise you of legal action that they actually intend to take, and they may not threaten you with taking action that debt collectors are not legally able to take. They also may not accuse you of committing a crime concerning failure to pay a debt, or attempt to humiliate you into paying a debt. Debt collectors also may not verbally abuse you, call you names, use profane language or use racial slurs when speaking to you regarding a debt.

If you are being harassed by debt collectors, you are within your rights to hire a lawyer and file suit against them for violating the Fair Debt Collection Practices Act. If found in violation, they could be forced to pay up to $1,000 in damages, as well as any of your court costs or attorney’s fees.

FCC Finance Address

FCC Finance LLC
17000 North Dallas Parkway, Ste. 120
Dallas, TX 75248

FCC Finance Phone Number: 877-744-4417

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"The FDCPA is a consumer protection statute and was intended to permit, even encourage, attorneys like Lemberg to act as private attorney generals to pursue FDCPA claims."

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