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First Choice Debt Relief started in 2008, and is headquartered in Orange, California. The financial service organization specializes in debt relief. First Choice complies with FTC regulations and claims to act in the client’s best interest, above anything else. Customers can choose between debt settlement, bankruptcy, credit card counseling, and debt consolidation services.

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First Choice Debt Relief |

The company is AFCC and IAPDA accredited. However, the company does not disclose which states their services are available in. Prices are standard for the industry. First Choice’s website does not explain costs in depth.

The Good

  • Personalized service with an account manager
  • Debt calculator
  • Well accredited

Debt Settlement Program

The debt settlement program can be completed in 24 to 48 months, and customers work one-on-one with an account manager throughout the process.

With debt settlement, customers can settle unsecured loans, credit card debt, collections, medical bills, and more. The settlement program can act as a fast way to resolve debt, and stay clear of bankruptcy. The company claims that their debt settlement program can provide customers with lower payments than their current monthly minimum payments.


First Choice has been in the industry since 2008. The company boasts serving over 2,000 clients across the country, and has negotiated with 89 different banks. First Choice claims to have resolved $30,000,000 in credit card debt.

Trained Teams

First Choice claims to work with fully trained and certified team members.

Debt Calculator

The website offers a debt calculator where one can input their information to see an estimated interest rate, monthly payment, total cost, and more.

Standard Prices

Though prices are not explained in depth, customers who have made all of the payments for the program saved an average of 50 percent before fees, and 25 to 35 percent with First Choice fees. These savings are actually pretty average for the industry. Costs vary from state to state.

Those who complete the program can possibly settle their debt for 40 to 60 percent of what is owed.

The Bad

  • Can have a negative impact
  • Not available in all states

Settlement Cons

Debt settlement will negatively impact one’s credit score. Additionally, First Choice’s website explains that during the nonpayment period, one has the potential of being sued; however, even with these cons, debt settlement will not negatively impact one financially as much as bankruptcy would.

First Choice Does Not Provide Legal Assistance

The company does not do anything to help its customers if legal action is filed against them. Since First Choice is not a team of attorneys and does not provide legal assistance; the company will, however, negotiate accounts with creditors, collection agencies and collecting attorneys.

Lacking State Eligibility

The company’s website states that First Choice’s debt relief services are not available in all states.

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The Bottom Line

People who are having trouble making their minimum monthly payments can look into First Choice’s debt relief options. Debt settlement can resolve debt relatively quickly and is an alternative to bankruptcy. Customers can enjoy AFCC, and IAPDA accreditations, and no fees until one saves money with their First Choice program.

However, the website lacks key information, like if there is a minimum debt requirement, and what states they do not offer their debt relief services to. For those looking into debt settlement, First Choice Debt Relief is not recommended. We recommend exploring other options at this time.

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