The best debt collection agency in
North Carolina

First Credit Services has been providing collection services for companies of all sizes in North Carolina and is experienced in many industries including healthcare, B2B, and financial services. Today, changes in consumer behaviors and technological advances are shifting how people communicate and interact with businesses. Traditional collection and engagement methods are out of date, and so are most agencies. First Credit Services has invested millions in reimagining how we interact with consumers and utilize AI tools to build custom collection strategies. We’ve effectively opened the lines of communication for all generations, making it easier for consumers to connect and make payments.

North Carolina, one of the 13 original states in the USA, has a diverse lifestyle and culture. It is the strongest manufacturing hub in the south. The key industries that drive the economic growth in this state are Aerospace and defense, automotive industry, biotechnology and pharmaceuticals, business and financial services, furniture, food processing, and manufacturing and tourism. North Carolina is also home to Charlotte, the second biggest banking center in the USA next to New York City. The state is now home to 13 Fortune 500 Companies. Although North Carolina’s top business industries have evolved enormously in the past few decades, approximately around 1.2 million North Carolinians hold $44 billion of student debt and other consumer debts.

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Reimagining Collections and Modernizing Engagements: Best Debt Collection Agency in North Carolina

As the best collection agency in North Carolina, First Credit Services has worked in a vast array of industries and in companies of all sizes and is uniquely suited to the economic landscape of North Carolina. We offer our services in cities including Charlotte, Raleigh, Asheville, Durham, Wilmington, Chapel Hill, Winston-Salem, Greensboro, and Cary. First Credit Services will work with you as a partner, and restore your lost revenue and streamline your cash flow while prioritizing the integrity and reputation of the clients. Also, people in North Carolina are protected by the Fair Debt Collection Practices Act (FDCPA) In North Carolina, there is generally a three-year limit for filing a lawsuit to collect a debt. However, judgments have a 10-year SOL limit. As the best collection agency in North Carolina, we understand all these laws.

We have the experience and qualifications needed to collect debt in North Carolina on behalf of your business. Partner up with First Credit Services, the best collection agency in North Carolina and grow your revenue.

WHAT WE DO

Why We Are The
Future of Collections!

OmniXp

Our revolutionary Omnichannel platform provides consumers the freedom to choose how they interact with us delivering personalized experiences and remarkable engagements.

EngageRight

Our “Contact Optimization” machine learning engine creates a customized strategy to know who, when, and how to contact consumers. EngageRight provides our clients with some of the highest reach and recovery rates in the industry.

Our People

Our people are one of the main reasons why we are the best collection agency in North Carolina. Voted as the best place to work in collections, FCS hires, trains, and retains the best agents in the business.

WHAT WE DO

Our Services

First Party Collections

Having an effective early intervention strategy is the best way to lower your roll rate, reduce the amount of bad debt you send to collections, and improve customer loyalty. Our OmniXp platform enables us to connect early with your past-due accounts and work with them to find the appropriate resolution. Our world-class collection expertise provides a customer-oriented, cost-effective, and personalized approach to target and collects from customers in their earlier stages of delinquency. This is what makes us the best collection agency in North Carolina.

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Third Party Collections

Partnering with the right Collection Agency can make a significant difference to your bottom line. At FCS, we understand how important an effective collections strategy is to the running of your business. We invest heavily in state-of-the-art consumer-centric systems that provide consumers a convenient experience and produce some of the highest recovery rates in the industry.

As a nationally licensed Collections Agency, we take compliance seriously and have dedicated departments for both training and compliance. These resources ensure that all agents meet proper messaging and compliance standards while communicating with your valued customers in North Carolina and everywhere else in the country.

Partnering with the right Collection Agency can make a significant difference to your bottom line. At FCS We understand how important an effective collections strategy is to the running of your business, and focus our resources on your most pressing concerns accordingly to handle late-stage collections. We also have dedicated departments for both training and compliance. These resources ensure that all agents meet proper messaging and compliance standards while communicating with your valued customers. We take special care to comply with all the FTC regulations.

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Business Process Outsourcing

Outsourcing customer service tasks or engagement functions with First Credit Services is a cost-effective way to quickly address service areas that are currently being underserved by your existing internal operation. Our call center agents learn your business, talking points, and culture. They become brand experts and will provide the highest level of friendly service to your customers. We work with your team to develop brand messaging and scripts. We then incorporate those into our OmniXp platform, which allows customers to engage with your brand through digital channels (SMS, email, chatbot) and human connections (phone, chat). By trusting us with your customer engagements, you can quickly fix coverage issues, lower your expenses, and build loyal customers while ensuring quality human interactions.

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Extended Business Office

We offer a wide range of services designed to be a true extension of your billing office. Our extended business office services provide you all the assistance you need. We review your processes, identify trends, and provide highly effective solutions. FCS collaborates with you to streamline workflow, increase account resolution, maximize future collections and deliver effective results.

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