First Choice Credit Relief started in 2008, and is headquartered in Orange, California. The company offers a variety of services, including debt consolidation services, a debt consolidation loan, debt settlement, bankruptcy services, and credit counseling. First Choice claims to be able to reduce credit card debt in as little as 24 to 48 months. Customers can enjoy one low monthly payment and no upfront fees. First Choice also caters to Spanish speakers.

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Monthly Price






$0 - $39

First Choice Debt Relief Reviews |


The Good

Company Highlights

  • Money-back guarantee
  • Debt calculators

Consolidation Loan

First Choice offers a consolidation loan, and explains that there are two main ways customers can go about getting one. Customers can try the more difficult way of getting an unsecured consolidation loan with no collateral. However, most lenders do limit the unsecured consolidation loans to $5,000-$7,500. Customers can also refinance their home to pay for the high interest credit card debt. With a debt consolidation loan, people can expect one convenient monthly payment with a reduced interest rate. Because the primary amount of the payment is applied to principal rather than interest, one can expect to get out of debt faster.

Money-Back Guarantee

The company’s services are backed by a money-back guarantee. First Choice Debt Relief stands behind its service, and includes a service fee money-back guarantee with all of their debt relief programs. At the end of the program, if one has paid back the total amount to their creditors (including the service fee), and the total exceeds the original balance, First Choice will refund the difference. However, it is important to note that the guarantee doesn’t apply to customers enrolled in an attorney-based debt settlement program. Additionally, the money-back guarantee does not promise balances will be lessened by a specific balance or timeline.

Calculate Your Debt

Customers can enjoy a debt calculator that helps them understand how long it will take to pay off their credit card debt. One can see the difference in the totals from choosing to just pay the minimum payments, or using one of the debt relief programs. Customers can input their total unsecured debt, targeted months to pay the debt off, number of creditors, and average interest rate to discover the total cost and total time to pay off the debt. Totals can be seen for the following: First Choice Debt Relief consolidation, just paying the minimum payments, credit counseling, and other consolidations loans.

The Bad

Company Drawbacks

  • Website lacks information
  • Undisclosed interest rate
  • Relatively newer company

Only Unsecured Debt

First Choice’s debt consolidation services only work with unsecured debt. Additionally, the website explains that any use of “debt free” only applies toward the accounts that are successfully enrolled, and headed toward program completion. Anyone looking to consolidate secured debt is out of luck. First Choice does not assume consumer debt.

Website Lacks Important Information

First Choice’s website lacks a lot of key information. Necessary information on fees is not elaborated on. While the company does not charge upfront fees, it is unclear whether or not First Choice charges late, or cancellation fees. The company also does not explain the specifics of its monthly fee. Additionally, the website does not clarify if the company has a minimum debt requirement.

While there are debt settlement examples and testimonials on their website, there are no examples or testimonies of First Choice’s debt consolidation loan on third-party sites.

Undisclosed Interest Rate

First Choice Debt Relief has not disclosed its interest rates on its website.

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The Bottom Line

First Choice Debt Relief offers a variety of debt relief and consolidation options, including a debt consolidation loan. Additionally, First Choice is FTC compliant, and offers a money-back guarantee. Customers can enjoy a debt calculator to estimate their total savings, and time it will take to pay back the debt.

The website does lack key information, and doesn’t explain fees in detail. It is unknown whether or not First Choice charges late or cancellation fees. Additionally, the company has not disclosed its interest rates. First Choice Debt Relief is an option worth exploring for people in one of its eligible states, with unsecured debt, looking for a consolidation loan.

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