First Choice Debt Relief is debt settlement company that is headquartered in Orange, California, and focuses on credit card debt, which is a massive issue in the United States right now. 

Keep reading to learn more about First Choice Debt Relief, and to check our review of this CA based settlement company.

First Choice Debt Relief

About First Choice Debt Relief

First Choice Debt Relief offers credit card debt relief services, financial education, and more, and they do all of this without any upfront fees. There are many positives here, but there are also some negatives, and if you are considering signing up for their services we recommend that you read the following.

Basic Information

  • Address: 770 The City Dr #7500, Orange, CA 92868
  • Web Address:
  • Date of Founding: 1/31/2008
  • Contact Number: (800) 631-5573
  • BBB Accredited? Yes, since 2012.

The Company

First Choice Debt Relief holds accreditations with the American Fair Credit Council and the International Association of Professional Debt Arbitrators. The company is also fully compliant with the Federal Trade Commission, as they don't charge any upfront fees.

First Choice Debt Relief are based in California but they work with clients across the United States. They have a very clean website, with lots of helpful information and multiple ways that you can get in touch with them.

The Services and Prices

Since 2008, First Choice Debt Relief has provided a wealth of debt related services, including debt management programs, debt settlement programs, and all kinds of debt counseling.

Administrative fees vary from state to state and are entirely based on the amount of debt that is enrolled in the program. First Choice Debt Relief offers all clients a money-back guarantee to cover you if you change your mind, giving you the chance to walk away without financial loss if you choose to.

The Employees

First Choice Debt Relief is a small company, working just around a dozen employees as far as we can tell. We have trawled the internet looking for bad reviews from former employees and we can't find any, suggesting that this is a very good place to work.

This is actually rare, because more often than not we discover former employees who have a lot of negative things to say. Such is the case with Navicore Solutions, a company we rated very highly despite the fact that there were a lot of negative comments from former employees.

The Reviews

You don't have to go far to find some good reviews for First Choice Debt Relief. Customer review sites like TrustPilot are filled to the brim with them, and one of the most surprising things is that there are no negative reviews at all, or rather there weren't any at the time we checked.

We have discussed many times before how these review sites aren't as honest and as transparent as you think, but we'd still expect to find some negative reviews if a company was deserving of them and there are none to speak of with First Choice Debt Relief.

Our First Choice Debt Relief Review

Now that we've seen what others have to say about this company, it's time for our own First Choice Debt Relief review.

First Choice Debt Relief Review

The Good

Positive Customer Feedback

There are a lot of happyFirst Choice Debt Relief customers out there, as we discussed in our About The Company section above. These reviews range from the basic, with comments like, “They really helped me, I can't thank them enough” to the complex, with sob stories of customers who were dragged out of the depths of despair and put back on their feet again.

The First Choice Debt Relief website also contains debt negotiation letters that show hard evidence of the company’s ability to reduce customer’s debts by huge amounts. These make for very good reading and are well worth a look.

Money-Back Guarantee

Like most settlement companies worth their salt, First Choice Debt Relief offers a money back guarantee. In the case that the client pays the creditor more than the original balance, the company will refund the difference directly to the customer. There are no reports that we can find of this guarantee failing and we have only heard good things.

In other words, it works, and they are straightforward and prompt about it.

The Bad

No Listed Fees

The company lacks some transparency when it comes to their fees, an issue that we also have with many other debt relief companies out there. There are no upfront fees, which is a good point, but First Choice Debt Relief does not state what their administrative fees and this is a concern. Such fees are common and they are not necessarily a terrible thing, but if they exist we need to know how much they are and if not then they need to be clear about the fact.

It is worth noting that the cost of the service will depend on certain aspects of the financial situation, such as the total amount owed to a creditor, the client’s ability to pay monthly, and the state the individual lives in.

Refund Limitations

There is a money-back guarantee, which is good, and it works as it should, which is great, but there are limitations on when this guarantee can be applied and that's not so great.

The guarantee is not offered to those enrolled in the attorney based debt settlement program. First Choice Debt Relief also clearly states that the guarantee does not ensure that their balances will be reduced either by a specific balance or timeline.

Limited State Availability

First Choice Debt Relief does not clearly specify what states they offer their services in. However, when we emailed them personally, they told us they operate in all of the following 14 states: AL, AZ, AR, CA, FL, LA, MA, MI, ME, NM, NY, NC, OK, VA.

The Bottom Line

First Choice Debt Relief helps individuals struggling with unsecured debt to overcome their issues and find their way safely back into the black. Prospective clients can take advantage of a free consultation, an abundance of financial education, and a money-back guarantee (albeit with some limitations).

First Choice Debt Relief is accredited by numerous professional organizations, they have hundreds of amazing customer reviews,, and they have no filed complaints against them. There are many pros, but there are also a number of cons, including the fact that First Choice doesn’t disclose any information on their pricing for their programs, they are limited in some states, and their money back guarantee doesn't stretch to all of their services or to all of their clients.