At FCS, we resolve debts owed to almost every major bank and credit card Company in the country. Our belief after years in this industry is that most ex-cardholders didn't intend to default on their bill at the time they did. However, something happened and it resulted in a financial setback at that time in their life. We understand that from time to time everyone has financial difficulties, but we know that most people genuinely intend to pay their debt when they're back on their feet. Our goal is to resolve every bill before any action needs to be taken.
When we obtain your debt, it has already gone through the bank or finance company's own in-house collection department and usually has been sent to 2 or more collection agencies but for whatever reason the account remains unpaid. In most cases a judgment has not yet been obtained on the account. Our job is to see that the debt is settled in a manner that everyone can live with - you, your original creditor and us. By working with you we sincerely hope that can be the case.