How Do I Get First Choice Advocacy to Stop Contacting Me?


Dear Steve,

I have 2 payday loans, one I revoked and they charged the loan off supposedly.

They continued to send in requests to my bank even when the dates weren’t authorized. The bank put a stop pay but they keep trying.

I know I shouldn’t have even contacted these payday loan lenders, but desperate times… I need to know how to get out from underneath them. I have recently filed bankruptcy and those 2 loans are the only loans I have currently. I work 14-16 hours a week at $10.00/hours so I don’t make a lot.

How do I get people from First Choice Advocacy to stop contacting me? How do I get out from these payday loans? If a loan is charged off, what can the lender to?



Dear Trisha,

According to the website for First Choice Advocacy they are not a payday lender but a debt relief organization.

You can still be sued over a charged off loan. Charging off is an accounting function and does not eliminate the loan being sold or stop collection activity.

If you’ve already filed for bankruptcy protection then you have the strongest legal protection you can get. Once the payday lender is notified you have filed bankruptcy they may ask for details on who your attorney is or where you filed and that should be that.

Filing bankruptcy will not stop calls from the salespeople at First Choice Advocacy if that is why they are calling you.

For more details on your legal protections now that you have filed for bankruptcy protection, call your attorney.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

Damon Day - Pro Debt Coach

Steve Rhode
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4 thoughts on “How Do I Get First Choice Advocacy to Stop Contacting Me?”

  1. I signed up with First Choice Advocacy today. I have until Thursday to cancel the contract, which states that I will be paying them a total that is a few dollars more than I owe the payday lenders who keep that money as their fee. They do not pay the lenders anything. I finally got them to say that. I had a lot of questions and they avoided telling me how they get paid for most of the call. I’m commenting because I want to know if I should cancel or not. I don’t mind paying what I owe with no interest, but I’m basically paying the company for dealing with collection attempts from 2 companies that are not being paid. I am both uncomfortable doing that but desperate for debt relief. What should I do?


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