First Choice Debt Relief Review

If knowingly or unknowingly you have accumulated a lot of debt that you are unable to pay now, then you are not alone.

With the lack of financial literacy and poor spending habits, people often end up in a debt trap.

But thanks to debt relief companies which help people like us to get free from the burden of debt.

And if you are reading this, then I am sure you are looking and trying to analyze the best debt relief company for yourself and if that’s the case, then make sure to read out the First Choice Debt Relief review till the end.


GuideFirst Choice Debt Relief Review
Minimum Debt Settlement RequirementNot disclosed
FeesNot revealed
(15-25% standard)
FeaturesDebt settlement program, Spanish support, etc.
Community RatingVery strong
WebsiteClick Here
First Choice Debt Relief Review

Key Takeaways

  • First Choice offers programs that can help you get relief of up to 25%-35% within 24-49 months.
  • They also offer a custom plan and Spanish support.
  • They do not charge any up-front fee, and you only pay them when you see results.
  • First Choice debt relief has a stellar rating of 4.9/5 stars on Trustpilot.

What Is First Choice Debt Relief?

What Is First Choice Debt Relief?
What Is First Choice Debt Relief?

First Choice Debt is a debt relief company that was founded in 1991 with the aim of helping people get out of debt.

First Choice offers a debt settlement program, which requires you to stop making payments to your creditor and start depositing a small amount each month in a separate account.

Once a decent amount gets collected in your account, your agent will negotiate with your creditor and persuade them to accept a lesser amount.

Debt settlement will impact your credit score, but it will help you in alleviating your debt to a good amount.

With First Choice, you can get a relief of up to 25%-35%, including fees that too within 24-48 months.

Read: DebtWave Credit Counseling Reviews

Also Read: How To Calculate Debt-To-Income Ratio?

Features And Services

  • Customized program – Because everyone’s financial situation differs, First Choice Debt Relief works with you and creates a plan that works for you. Meaning you will have control over your money, you will decide the amount of the monthly deposits you make, and so on.
  • Pay when you see results – Another good thing about First Choice Debt Relief is that it does not ask you to pay them in advance. They only ask you to pay at the end of your program when the results have been delivered to you.
  • Free consultation – First Choice Debt Relief offers a free consultation to you where you will get to discuss your situation with them and find a solution that works for you.

Pros And Cons


  • High satisfaction score
  • Spanish support
  • No up-front fees
  • Charge standard fees


  • Not affiliated with American Fair Credit Council (AFCC)

Also Read: What Is Fair Debt Collection Practices Act (FDCPA)?


First Choice Debt Relief fees
First Choice Debt Relief fees

First Choice Debt Relief does not charge up-front fees. However, you are required to pay them at the end of the program upon successful completion.

Although they have not disclosed their fees because it varies from state to state, according to the data available on their site, we believe they can charge you anywhere between 15%-25% of your enrolled debt, which is the industry standard.

You can also use the debt calculator on their website to determine what your monthly payments might look like.

Pros & Cons of Debt Settlement

Debt Relief Time

First Choice Debt Relief mentions on their website that, on average, it takes 24-48 months to get your debt settlement.

However, it can be more depending on the amount of debt you owe and your unique situation.


According to the real-time debt settlement data provided by First Choice on its website, you can expect to save up to 25-35% of the original balance after fees.

Each settlement has different parameters, and so this amount can vary from person to person.

Minimum Debt Settlement Requirement

First Choice Debt Relief has not disclosed its minimum debt settlement requirement.

However, you can expect it to be between $7,500-$10,000, according to the industry average.

Types of Debt Addressed

First Choice addresses the following kinds of debt:

  • Credit Card Debt
  • Payday Loans
  • Personal Loans and Lines of Credit
  • Other unsecured loans

How To Get Started?

Follow these simple steps to get started with First Choice:

1. Go to First Choice’s website and click on “qualify now.”

How To Get Started with first choice debt relief

2. Now enter your details and click on “get your options.”

Get Started with first choice debt relief

3. That’s it! their representative will get in touch with you shortly now.

how to get started with first choice

Customer Support

For enrollment and general questions, you can call them at 800-631-5573 this number or email them at [email protected]

And if you are a current client, then you can email them at [email protected] or call them at 800-985-9319.

They are available from Monday to Thursday between 7 am to 5 pm PST. And on Fridays between 7 am to 4 pm PST.

First Choice Debt Relief also offers Spanish support, for which you can visit their website.

NPC First Choice Debt Relief Ratings

Customer Service4.8/5
Debt Settlement help4.9/5
Ease of use4.8/5

Also Read: What Are Private Debt Collectors?

Customer Reviews And Ratings

First Choice Customer Review And Rating
First Choice Customer Reviews And Ratings
First Choice Customer Reviews And Ratings

First Choice Debt Relief has a stellar reputation with customers and a very high online rating.

On Trustpilot, it has been given an average of 4.9/5 stars by 704 customers, which is truly commendable.

What Differentiates It?

First Choice Debt Relief offers only debt settlement service and probably charges fees as per the same industry standard, but what differentiates them is that, unlike others, First Choice has an incredibly high customer satisfaction score and uncountable positive ratings.

This tells how good they must be at helping people get rid of their debt.

Our Experience

I got in touch with First Choice Debt Relief for a free consultation session that lasted approximately thirty minutes. During the call, their agent spoke to me very politely and patiently.

She analyzed my financial situation and came up with a program that seemed really good to me. I definitely had a good experience; these guys know what they are doing.


CompanyFirst Choice Debt ReliefCreditGUARD
Minimum Debt Settlement RequirementNot revealedNot revealed
FeaturesDebt settlement program, Spanish support, etc.Debt consolidation program, educational resources, etc.
FeesNot revealed
(15-25% standard)
Charges 1.2% of total debt amount monthly.
Savings25%-35% after fees50%
Relief Time24-48 months24-48 months (Standard)
BBB ratingA+A+
Trustpilot Rating4.9/5Not available

Also Read CreditGUARD Reviews | Is It Worth Your Time?

How We Review Debt relief Companies?

We consider the following factors before reviewing any debt relief company:

  • Company’s online reputation
  • Services offered
  • Affordability
  • Effectiveness
  • Savings one can make
  • Accreditations
  • Minimum debt relief requirement
  • Debt relief helps time

Final Verdict

First Choice Debt Relief is one of the best debt relief companies that can help you get rid of your debt through their debt settlement plans. So if you were unsure about this company, then this is your sign.

Hope you found this First Choice Debt Relief review helpful.


Is First Choice Debt Relief legit?

First Choice Debt Relief has been in the business for more than thirty years now and has helped a huge number of people. So yes, they are legit.

Is debt settlement not good for my credit score?

Because during a debt settlement you are asked to stop making payments to your creditors, your credit score plummets greatly.

Is First Choice Debt Relief accredited by BBB?

Yes, it is accredited by BBB and has an A+ rating.

Will I get to talk with an actual person who handel's my account?

Yes, First Choice assigns an account manager to you at the start of your program, which takes care of everything.

In how many states does First Choice operates?

First Choice operates in 50 states of the U.S.

NPC Overall Rating

Leave a Comment