Here’s How It Works

Free Consultation

Free consultation with one of our friendly analysts.

Custom Savings Plan

We'll help you create a custom savings plan based on your needs and goals.

Growing Your Savings

We negotiate settlements as funds build up in your account.

Resolve Your Debt

Your program is complete when all of your enrolled accounts have been resolved.

How Our Program Compares

Our program is designed to get you out of debt as fast as possible for a lower monthly payment that you can afford.

Month to Payoff

Est. Repayment Amount

Minimum Payments

206 month


FCCM Program

36 month


Credit Counseling

48 month

The example above is for illustration purposes only to show how our program may compare to other options. The minimum payment example is based on a debt amount of $20,000 with a 22% average interest rate. The credit counseling example is based on $20,000 with an estimated reduced interest rate average of 9%. Individual results will vary and is based on several specific factors.
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“I just wanted to write to say thank you for all your help. It's been a nightmare having these collectors call and harass us every day! It was finally time for me to accept the responsibility and take care of these debts. I'm glad I found you to help, so again, thank you!”

Sandra LaPlante

“Hello, I just want to let you know how much I appreciate your organization and how you've helped me. It feels great to know that in only 9 more months I will finally be DEBT FREE!”


“I can't thank you enough for all you have done! It's nice to know I finally have this situation under control.”

Sam Portis

“It was hard to admit that we needed help. But unforeseen financial circumstances caused more debt than we could handle… In our research, First Choice stood out as one of our best choices to settle and pay up our accounts. It was still humbling and worrisome to make the first call, but First Choice was both professional and caring. We were treated with kindness, understanding, and respect. Now, we are on the road to recovery… and FCCM is a stellar companion on this journey!”

Anne Marie C.­­­­­­

Proven Results

We are proud of the results we get for our clients. Successful negotiations are achieved by our experienced negotiators tirelessly working to get our clients the best possible results. Below is a small sample of some actual settlements we have recently achieved for our clients!

Type of Account Original Balance Settlement Amount % Saved Amount Saved
Credit Card $1,699.26 $424.82 75% $1,274.44
Credit Card $14,378.61 $5,752.00 60% $8,626.61
Dept. Store Card $922.08 $420.00 54.95% $502.08
Credit Card $1,167.65 $292.00 75% $875.65
Personal Loan $5,921.04 $2,000.00 66.93% $3,921.04
Dept. Store Card $388.08 $155.00 60.10% $233.00
Credit Card $3,628.18 $1,088.46 70% $2,539.27

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Recent Blog Posts


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The PROBLEM Millennial Credit Problem

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