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How to Resolve a Debt with FirstPoint Collection Resources

Sarah Edwards | September 12, 2023

Sarah Edwards
Legal Expert
Sarah Edwards, BS

Sarah Harris is a professional researcher and writer specializing in legal content. An Emerson College alumna, she holds a Bachelor of Science in Communication from the prestigious Boston institution.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: FirstPoint Collection Resources pursues outstanding credit card, retail, and auto debts from consumers nationwide. If you’ve been contacted by FirstPoint Collection Resources about a debt, SoloSuit can help you request a debt validation, respond to a debt lawsuit, and settle your debt before going to court.

Have you ever heard of FirstPoint Collection Resources? Chances are that if you’re reading this article, you’ve received a collections notice from them. You might wonder whether this is a legitimate debt collection agency and how you should handle the letter. Don’t worry — SoloSuit explains what FirstPoint Collection Resources is and how you should respond.

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What is FirstPoint Collection Resources?

FirstPoint Collection Resources is a debt collection agency based in North Carolina. Among other services, it works with a variety of creditors in the healthcare, credit card, banking, retail, utility, and auto sectors to recover unpaid debts. You might also see the company referred to as FirstPoint, Inc or FirstPoint Resources. The company has been in business for more than 20 years.

Here is the Firstpoint Collection Resources Inc phone number and other contact information:

FirstPoint Collection Resources Inc. reviews

FirstPoint Collection Resources has a Better Business Bureau (BBB) profile, but it is accredited. Its current BBB rating is a C. Many consumers have submitted complaints against FirstPoint to the BBB. Even worse, the Consumer Financial Protection Bureau has reported hundreds of complaints against FirstPoint Collection Resources.

Most complaints allege that FirstPoint Collection Resources tries to collect debts that aren’t actually owed, report incorrect information to the credit bureaus, and fails to validate debts upon request. Here’s an example of a real complaint against FirstPoint Collection Resources (edited for clarity):

“FirstPoint Collection Resources , Inc. has been notified via certified mail to show validation of debt along with an audit trail which they failed to provide. FirstPoint Collection Resources , Inc. has also reported an alleged debt to the credit bureaus, which is a violation of 15 USC 1692c ( b ) and 15 USC 1692b ( 2 ).”

Knowing the details of your debt is one of your rights as a consumer. So, before you take any action on a debt, you should request a debt validation.

Make FirstPoint Collection Resources validate your debt

No one likes debt collection letters. They can quickly ruin an otherwise glorious day, resulting in paperwork and hassle you don’t want to deal with. However, it’s best not to avoid the issue and to face it head-on instead.

If you receive a letter from FirstPoint Collection Resources, read it carefully and see if you recognize the obligation. If you do, your original creditor likely appointed FirstPoint Collection Resources to collect money from you.

However, you’ll still want to ensure that FirstPoint Collection Resources actually owns your debt before you send any money. You can do so by sending a Debt Validation Letter.

The Fair Debt Collections Practices Act (FDCPA) gives consumers a 30-day grace period to request debt validation from a collection agency. FirstPoint Collection Resources can’t report anything negative on your credit report during that time. You can request that FirstPoint validate your debt by sending a Debt Validation Letter.

A few things to ask for in your Debt Validation Letter include the following:

  • The name of the original creditor and your account number.
  • The amount you owe.
  • Proof that FirstPoint Collection Resources has the rights to the debt.
  • A calculation of the age of the debt compared with your state’s statute of limitations.
  • FirstPoint’s license number for debt collection in your state.

After FirstPoint Collection Resources receives your letter, it has to collect the requested information and send it to you before continuing its collection activities. If you never hear from FirstPoint again, it’s likely that the agency didn’t have the necessary information.

Write a Debt Validation Letter with SoloSuit's help.

I ignored FirstPoint Collection Resources, and now they’re suing me

Failure to resolve a debt with FirstPoint Collection Resources may lead to a debt lawsuit. That’s a worst-case scenario, but it does happen.

If you’ve been sued by FirstPoint Collection Resources, you have a few options. You can repay the debt, respond to the lawsuit and fight it, or try to settle the debt before your court date.

Repaying the bill is the best option. FirstPoint Collection Resources has nothing to sue you for when you satisfy the debt before your court date. It will drop the case and report the account paid to the consumer reporting agencies.

Total repayment isn’t always an option, particularly when you don’t have the money to cover it. If you’re in that situation, a settlement may be ideal. But before you settle your debt, be sure to file an Answer to the lawsuit to avoid default judgment.

Respond to your debt collection lawsuit

When you get sued for a debt, you receive a Summons and Complaint in the mail. The Summons notifies you of the case and its details. The Complaint outlines each claim against you. It’s your responsibility to respond to these documents with a written Answer.

In your Answer document, you should respond to each claim against you. You can respond by admitting, denying, or denying due to lack of knowledge. You should also include a section for your affirmative defenses. These are legal reasons you shouldn’t be held liable for the debt.

SoloSuit can help you draft and file an Answer to your debt lawsuit. Our software makes it easy to create a legit, legal Answer that allows you to respond to all the claims against you and assert your affirmative defenses. It takes minutes to fill it out online, and SoloSuit can even file the Answer with your court so you don’t have to.

Filing an Answer prevents a default judgment. A default judgment is granted when the person being sued fails to respond to the case before the deadline (deadlines vary by state). With a default judgment, debt collectors can garnish your wages, seize your property, and freeze your bank account. But an Answer blocks a default judgment and gives time to work out a debt settlement.

Settle your debt with FirstPoint Collections Resources Inc.

Settling the debt requires you to pay a portion of the outstanding balance. If FirstPoint Collection Resources agrees to your offer, it will accept the money and drop the lawsuit. You won’t need to worry about the remaining amount of debt.

SoloSuit recommends offering at least 60% of the debt’s value, but it’s at your discretion. If your financial circumstances don’t allow you to pay that much, you can explain the situation and see if FirstPoint Collections will work with you.

Watch this video to learn more about how to settle a debt with FirstPoint Collections Resources Inc:

SoloSettle, powered by SoloSuit, is a tech-based approach to debt settlement. Our software helps you send and receive settlement offers until you reach an agreement with the collector. Once an agreement is reached, we’ll help you manage the settlement documentation and transfer your payment to the creditor or debt collector, helping you keep your financial information private and secure.

Now, let’s consider an example of settling a debt with FirstPoint Collections.

Example: George Jetson receives a debt collection notice from FirstPoint Collection Resources. It’s collecting money on behalf of XYZ Credit, which loaned George $2,000 to buy a model spaceship. George can’t afford to repay the entire amount but wants to avoid a potential lawsuit. He uses SoloSettle to send an offer to FirstPoint Collection Resources of $1,200 and give the company his spaceship, too. FirstPoint Collection Resources accepts his offer but tells George he can keep the spacecraft. The company reports his account settled to the credit reporting agencies, and George doesn’t need to worry about the debt anymore.


You should only try to defend yourself in a debt lawsuit if you genuinely believe you don’t owe the debt or if there is something wrong with your case. For instance, if the statute of limitations has expired for your debt, that’s a good argument you can use to defend yourself in court.

FirstPoint Collection Resources is legitimate, so be proactive in resolving your debt

While FirstPoint Collection Resources is an actual collection agency, that doesn’t mean you need to bend to its will. Make FirstPoint prove you owe the obligation by sending a Debt Validation Letter. If it provides the evidence, you can repay the obligation or attempt to settle it.

Do you want to settle a debt with FirstPoint Collection Resources quickly? Try SoloSettle, our debt settlement solution.

What is Solo?

Solo makes it easy to resolve debt with debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt. SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

SoloSettle can help you contact your debt collector or creditor and negotiate the debt to settle for less, all online. It simplifies and streamlines the process to settling your debt.

No matter where you find yourself in the debt collection process, Solo is here to help you resolve your debt.

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)

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"Finding yourself on the wrong side of the law unexpectedly is kinda scary. I started researching on YouTube and found SoloSuit's channel. The videos were so helpful, easy to understand and encouraging. When I reached out to SoloSuit they were on it. Very professional, impeccably prompt. Thanks for the service!" - Heather



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