FirstPoint Collection Resources, Inc Phone Harassment — Know Your Rights

Getting repeated, unwanted calls from FirstPoint Collection Resources, Inc can feel intrusive and stressful. If you’re experiencing FirstPoint Collection Resources, Inc phone harassment, it’s important to understand both what behavior is unlawful and what steps you can take to defend yourself under the law.

👉 If you are receiving FirstPoint Collection Resources, Inc phone harassment, this article explains your protections and actionable steps.

What Counts as Harassment by a Debt Collector

Debt collectors may contact you to collect on a debt, but certain tactics cross the line into harassment. Some examples of illegal behavior include:

  • Contacting you repeatedly or multiple times per day

  • Calling at odd or inconvenient hours

  • Using threatening, abusive, or harassing language

  • Misrepresenting your legal rights or the consequences of nonpayment

  • Failing to provide written proof (validation) of the debt when requested

  • Disclosing your debt to third parties (family, friends, employer)

  • Ignoring your written demand to stop contacting you

If FirstPoint Collection Resources, Inc is doing any of these things to you, it may be violating your rights.

Your Protections Under the Fair Debt Collection Practices Act (FDCPA)

Under the FDCPA (a federal law that governs collection practices), consumers are protected from abusive, unfair, or deceptive debt collector conduct. When FirstPoint acts as a debt collector, the following rights apply:

  • No harassment or abuse: They cannot call to harass, use insults or repeated calls to annoy or threaten you.

  • Time restrictions on calls: They may only call between 8 a.m. and 9 p.m. local time—unless you agree otherwise.

  • Right to validation: Within five days of their first contact, they must send you a written validation notice that states the amount owed, the original creditor’s name, and how to dispute the debt.

  • Dispute rights: You have 30 days from receipt of that notice to dispute the debt in writing—during which they must cease collection efforts until verification.

  • Cease communication request: You can send a written “cease and desist” letter instructing them to stop contacting you. Once they receive it, only limited legal notices may follow.

  • Truth in representation: They must not misrepresent the debt, threaten action they cannot take, or falsely claim legal authority.

  • No improper third-party disclosures: They cannot share details about your debt with others, such as friends or family, beyond minimal allowed contact to locate you.

If FirstPoint breaks any of these rules, you may have grounds to bring a legal claim for damages, attorney’s fees, and other relief.

Steps to Take If FirstPoint Is Harassing You

If you’re being bombarded with calls from FirstPoint, here’s what you should do:

  1. Document every contact.
    Note the date, time, phone number, and name of the caller. Record (if legal in your state) voicemails, texts, and keep emails and letters.

  2. Do not admit liability or agree to payments over the phone.
    Wait until you receive written validation of the debt before engaging further.

  3. Demand written validation.
    Send a written request for a validation notice that shows the debt amount, original creditor, and itemization. Until you receive it, they must stop collection efforts.

  4. Dispute the debt if it’s incorrect.
    If you believe the debt is wrong (wrong balance, wrong account, already paid), send a written dispute within 30 days. The collector must pause until it verifies.

  5. Send a cease and desist (stop contact) letter.
    If calls continue, deliver a written notice telling them to stop contacting you. Once received, any further calls are limited to certain legal notices.

  6. File complaints with regulatory agencies.
    You can file complaints with the Consumer Financial Protection Bureau (CFPB), your state attorney general, and the Federal Trade Commission (FTC).

  7. Consult a consumer protection attorney.
    If the harassment persists or is especially egregious, an attorney experienced in debt collection law can help you file claims, seek compensation, and force the collector to stop.

How Consumer Rights Law Firm PLLC Can Assist

When FirstPoint crosses the line, Consumer Rights Law Firm PLLC can step in on your behalf. Their services include:

  • A free case evaluation to assess whether your rights have been violated

  • No upfront fees — they only get paid if they win your case

  • Legal representation that specializes in FDCPA and state consumer protection law

  • Strong advocacy to stop harassment quickly

  • Pursuit of damages for emotional distress, statutory penalties, and attorney’s fees

Often, the mere presence of legal representation causes the collector to back off.

Why You Should Act Quickly

Every call and threat further erodes your peace of mind. The longer you delay, the greater the chance that the collector escalates its tactics—or the more time passes to bring a legal claim (statutes of limitation may apply). Acting promptly preserves evidence and increases your chances of success.

Even if some portion of the debt is valid, you still have the right to be treated legally and respectfully.

Conclusion

You don’t have to tolerate FirstPoint Collection Resources, Inc phone harassment. You have legal rights under the FDCPA and related laws that protect you from abuse, threats, and repeated calls.

If you are suffering from harassment, contact Consumer Rights Law Firm PLLC for a free evaluation. Their attorneys are ready to help you stop the calls, defend your rights, and pursue the justice you deserve.