Down below you will find our most commonly asked questions. If you have a question that is not listed on our commonly asked questions please do not hesitate to reach out and ask. We are here to help you!
You can send a message of your question using our contact form or call us directly at (888) 552-4301.
1How do I apply for the program?
You can call us directly at (888) 552-4301 and a specialist will guide you through the process.
2Can I cancel if I changed my mind?
Yes, there’s no locked-in contract between our agreement.
3Does your service hurt my credit score?
Due to the nature of the loan most payday lenders do not report to the credit bureaus. However, if anything we can always provide documentation to help remove that derogatory item.
4Why do my creditors continue to call me?
Unfortunately, there’s a reason on why they are called predatory lenders however, our Customer Care can always advise you on some options you can do to try and stop the phone calls.
5Do you make payments or pay off my creditors?
No we do not make payments to your lenders, instead, we work to eliminate the dismiss the debt completely.
6Can a lender garnish my wages?
Yes. Most times lenders will have you sign a voluntary wage garnishment when you take out the loan in case you default. However, we can stop the process if they did attempt while we’re validating the loan.
7Are you a law firm?
First Choice Advocacy is not a law firm. We are a consumer advocacy group that has a network of attorneys nationwide.
8What is your email address?
You always contact us via at firstname.lastname@example.org
9How long is the program?
The program usually lasts up to 6 months.
10Is this a debt consolidation loan?
No, we do not offer loans. The way we relieve the loans is through our legal service.
11Do I need to close my bank account?
Although we do suggest to do so, our service does not require that you do to enroll. There are other options you can do and it’s something our specialists can help with.
12How soon does it start?
As soon as the first payment has been processed is when we start working on the document preparation.
13 Can you help with other debt?
No. At the time we are currently on working with payday loan debt.
We reached out to some of our clients and asked to send us a quick comment about their experience and here’s what they said.
"I was driving when I heard your radio call so I saved the number on my phone and called as soon as I got home. Best decision ever!"
"I have no problem saying thank you again for your help THANK YOU FIRST CHOICE ADVOCACY YOU GUYS ARE THE BOMB!!!!!!!!!!"
"I don’t think I will be where I am today if it wasn’t for your help so thank you guys for everything."
"You guys have no idea how your service was able to literally within a year turn my life around. Right off the bat because of you guys I was saving over $600 a month so I used that money to fix my credit and starting working on paying off my other debt. Now my score is at 690 and I should be over 700 within the next couple months."
"Never again will I ever get payday loans lol. Your service was like my little get out of jail free card from monopoly but for payday loans."
"I’ll be honest it sounded too good to be true when I first spoke with you guys. I was hesitating and a little skeptical but you know what I’m glad I took the chance. I was already in a bad place with these loans but you helped me out. Thank you so much you really changed my life."
No more payday loans for me!
"I want to thank everyone at First Choice Advocacy I still can’t believe that my payday loan problem is over. 6 months ago practically my whole paycheck every week was going towards these loans. Now I’m done. Thank you again guys."
"It was crazy I was paying over $1,200 a month on payday loans... You guys were able to save me like $800 per month. You have no idea how much that helped me!"
"You guys really rock! I had no idea that payday loans were prohibited in my state and here I am sending applications online like I’m on a shopping spree. Anyways thank you so much for the help!!!!!"
"I’m so grateful First Choice Advocacy was able to help me with my payday loans. I thought I was never going to get out!"