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Last Updated: 04/18/2025

First Choice Debt Relief

in Debt Help from First Choice Debt Relief Inc.

Last Updated: 04/18/2025

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Highlights

Minimum Debt Owed

$10,000

Settlement Fee %

Starting at 15%(Verified 06/21/2024)
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Monthly Service Fee

$0(Verified 06/21/2024)
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First Choice Debt Relief Review

First Choice Debt Relief is a debt settlement company based in San Diego, CA. It offers debt relief services to borrowers in 50 state across the USA. Founded in 2008, it is a well-established company that has been in business for over 10 years.

Key Takeaways

  • Minimum debt balance of $10,000. First Choice Debt Relief only considers clients who have at least $10,000 in debt. This is a typical requirement for most debt settlement companies.
  • ACDR and IAPDA accredited. First Choice Debt Relief is a member of the Association for Consumer Debt Relief (ACDR), which is the largest trade association for the debt settlement industry. It also employs debt resolution specialists that have been trained and accredited by the International Association of Professional Debt Arbitrators (IAPDA).
  • Well-established company. First Choice Debt Relief has been in business for 18 years.
  • Only considers unsecured debts. First Choice Debt Relief will only settle unsecured debts. These include credit card accounts and personal loans.
  • Available in most states. First Choice Debt Relief is available in 50 states.

First Choice Debt Relief Pros & Cons

First Choice Debt Relief FAQ

What does First Choice Debt Relief do?

First Choice Debt Relief offers debt relief services for the following types of debt:
  • Unsecured debt, such as credit card debt, medical debt, and personal loans.

What does First Choice Debt Relief charge?

First Choice Debt Relief settlement fees are about 15% of the enrolled debt, though this can vary by state.
Debt relief fees and settlement terms can vary based on your state and individual circumstances, so it’s best to speak directly with First Choice Debt Relief for an accurate quote.

Does First Choice Debt Relief offer a guarantee?

Yes, First Choice Debt Relief does advertise a program guarantee and you won't be charged any fees until your debts are settled. Charging upfront fees is illegal in the debt settlement industry anyway. Check with First Choice Debt Relief Inc. for more details on their guarantee.

What is the minimum debt First Choice Debt Relief will consider?

First Choice Debt Relief is recommended for customers with an unsecured debt of $10,000 or more. Customers with less than $10,000 of unsecured debt may benefit from a debt consolidation loan or credit counseling services.

Does First Choice Debt Relief perform its own servicing in-house?

No, First Choice Debt Relief partners with third party service providers who negotiate on behalf of the clients they enroll.

What accreditations does First Choice Debt Relief have?

The two main trade associations in the debt relief services space are the Association for Consumer Debt Relief (ACDR) and the International Association of Professional Debt Arbitrators (IAPDA).
  • First Choice Debt Relief is an accredited ACDR member.
  • First Choice Debt Relief is an IAPDA member.

Is First Choice Debt Relief Inc. a legit company?

First Choice Debt Relief Inc. was founded in 2008, it is a well-established company that has been in business for 18 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.

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Message from First Choice Debt Relief

Our Debt Resolution Program is designed to pay off your debt for less than you owe, in the shortest time frame possible. Spend less time worrying and keeping track of all your debt and more time living your life stress free. When you work with us you’ll have the peace of mind of knowing we are on your side…You will always have a specialist that will answer any and all questions.

Contact

Headquarters

8880 Rio San Diego Dr Suite 800 PMB 823
San Diego, CA 92108
(800) 631-5573
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