First Choice DR Review

By Sarah Badani

In a Nutshell

First Choice DR is a top debt relief option with professional debt settlement negotiators working to minimize your debt quickly. It works with a wide range of unsecured debts and helps those in debt manage their outstanding accounts with ease.


  • Fast debt resolution within 24-48 months
  • Debt settlement of 40%-60%
  • A+ with BBB
  • Not a flat-fee service


  • Can negatively affect your credit report temporarily
  • Doesn’t cover secured debts, government loans, lawsuits

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Why Go with First Choice DR

While there are a lot of debt relief agencies out there, this one really stood out in our review process. To begin with, First Choice DR is a company of the people. It focuses on quality, not quantity, as can be seen from both its website and interactions with the staff. You won’t find huge numbers being splashed across the screen, and that’s because First Choice Debt Relief isn’t about big numbers. It’s about helping each individual client get out of debt as quickly and as easily as possible.

Speaking to a First Choice DR representative gives you just this impression. In our conversations with service reps, they not only understood the debt industry, but they were patient and ready to explain every step of the process. First Choice DR will walk you through everything from beginning to end.

Another aspect that we appreciated with this debt relief company was its transparency. Most debt relief organizations are trying to get you to sign up regardless of whether or not debt consolidation or debt settlement is right for you. First Choice DR takes each situation into consideration, clearly spells out any of the possible negative outcomes, and tells it to you straight. No hiding behind complex language or leaving out details. This gives you the ability to make an informed decision, with all the cards on the table. That’s refreshingly new for this industry.

What’s more, First Choice DR has a flexible service fee. Unlike most debt relief services that charge you a flat fee regardless of how much money they actually save you at the end of the day, First Choice DR charges its clients percentages. This means if you only save a little, you’ll only pay a little. In general, though, First Choice DR helps its clients save up to 60% of the original debt amount. This can amount to hundreds or thousands of dollars in savings.

Finally, First Choice DR has an A+ rating with the Better Business Bureau. That holds tremendous significance, especially in the debt relief industry. When dealing with finances, there are so many hoaxes out there that it can be hard to avoid them, which is why trust is so important. The fact that First Choice DR holds an A+ rating shows that it is reliable and trustworthy in an industry where this isn’t always the case.

What’s Offered

  • Debt consolidation programs
  • Debt settlement programs
  • Expert negotiators
  • Online debt calculator
  • Credit card counseling services
  • Bankruptcy


First Choice DR excels at getting down to the bare minimum payments required and making it simpler for debtors to get out of debt altogether. Using professional debt settlement negotiators, First Choice DR will contact your outstanding accounts for you, negotiate with them for a more reasonable debt settlement amount, and work out a payment plan that works with your finances. It’s a quick and effective process. Here’s how it works:

  • First Choice DR will set up a private account where you will start saving up money to pay back your debt.
  • When the account has reached a reasonable level, First Choice DR will step in to speak directly to your creditors or debt collectors to work out a settlement offer.
  • This offer will be reasonable for you, working with your finances, to ensure that you can make the payments each month.

The beauty of this process is 2-fold:

  1. Instead of having to pay 5, 10, or more creditors every month, you make just a single monthly payment. That is not only more financially feasible, but it is a lot more manageable as well.
  2. You'll end up saving a significant amount of money based on the debt settlement program. Some creditors will forgive a large portion of your debt just to have you pay something and be able to close out your account finally.

First Choice DR will generally be able to settle your debt within 24-48 months. That is a quick turnaround for someone who is drowning in debt. Plus, you don’t pay anything upfront, only after you start saving.

  • Excellent educational resources available online
  • Nice range of debt types covered
  • Personalized debt relief plan
  • Account managers to discuss all aspects of the program

Types of Debt Covered

First Choice DR covers a huge range of debt, but it doesn’t cover everything. Before you get started with this service, make sure it works with the type of debt you are currently dealing with. First Choice DR offers debt relief for the following types of debts:

  • Credit card debt
  • Unsecured loans
  • Unsecured personal loans
  • Unsecured personal lines of credit
  • Collections and autos in repossession
  • Medical bills

As you can see, the majority of debts that people find themselves drowning in are covered by this company. On the other hand, First Choice DR doesn’t cover government loans, lawsuits, IRS debt, unpaid taxes, student loans, secured debt, auto loans, utility bills, and mortgages.

Site Security

First Choice DR has its client’s best interest in mind. As such, it takes customer privacy and security seriously. To begin with, First Choice DR is Dun & Bradstreet listed, it’s a member of the AFCC (American Fair Credit Council), and is a certified member of the IAPDA (International Association of Professional Debt Arbitrators). These organizations hold their members to a high level of honesty, integrity, and dedication to their clients, so any company holding these certifications can be trusted.

What’s more, the website itself is run with a variety of security measures from technological safeguards to physical and protocol security features, ensuring all information is always protected.

Help & Support

First Choice DR has a solid reputation for great customer service, and that’s saying a lot in this industry. Reading through critical online reviews, we saw that this company was courteous, available, and knowledgeable in all areas of debt relief. When we tested it out for ourselves, First Choice DR proved our initial impressions to be correct.

The service rep we spoke to, Silvia, was friendly and answered all of our questions, breaking down the answers with understandable language. She even walked us through the entire process. This is why First Choice DR has such a good reputation for customer support. Support is available via email or phone during the following hours:

Monday – Thursday from 7am – 5pm PT

Friday from 7am – 4pm PT

Not available on holidays

Physical Address

770 The City Dr #7500

Orange, CA 92868

Contact Details

Enrollment & General Questions: Toll Free: (800) 631-5573

Fax: (888) 207-8666


Current Clients 

Toll Free: (800) 985-9319

Fax: 888-747-1694


Online Account Access: Log In Here


First Choice DR

PO Box 10176

Santa Ana, CA 92711

Office: (Visits by Appointment Only)

770 The City Dr. S STE 7500

Orange, CA 92868

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