It is our current process to delete accounts that are included in Bankruptcy case.  It is possible, however, that reporting may be reinstated in the future depending on the circumstances (e.g. reaffirmations or dismissals). 

If you know First Investors has your correct mailing address, write your account number on your check or money order and mail your payment to: First Investors Financial Services, P.O. Box 205749, Dallas, TX 75320-5749. If you're not sure First Investors has your correct mailing address, call Customer Service at 800-249-6305.

Call Customer Service at 800-249-6305 and request one.

Yes, if the account was removed from your credit file, reporting should be reinstated upon the expiration of the 60-day rescission period.  If reporting hasn’t reinstated, you may contact the Credit Dispute department at     888-599-1561 so that we can review the account to verify when reporting will resume.

We report the payoff amount as the current balance to the consumer reporting agencies.  A payoff includes the principal balance, any outstanding fees (if applicable), and the interest accrued from the last payment received up through the date reported.  If no payments are made between reporting periods, the increased balance that reported reflects the interest that accrued, and fees assessed between reporting periods.  The payoff amount will decrease when a payment posts to the account.

No. Your payment is due on or before the due date disclosed in your contract. Grace periods only apply to the assessment of late fees. If you fail to make a scheduled payment by the conclusion of the grace period, a late fee is imposed. Your grace period, if any, is disclosed in your contract.

On your desktop PC: Log on to FIFSG.com. If you are an existing customer, log into your account using your login ID and password, then click the "Customer” icon. If you are New customer, click on “Sign Up Now” and create a login and password. Once you are logged into your account you will be on the Main account page. Click on the icon called “Statements” You'll see an explanation about e-statement and a consent form. In order to receive e-statements and other electronic notices, you must read our Electronic Statement Disclosure & Agreement and agree to the terms and conditions thereof. You will also need to enter an email address and text and click I Agree. After that, your statements will be paperless, which you can access virtually anytime, from anywhere—simply by going to FIFSG.com and clicking on "Statements."

By email: Send your request to cancel to customer.service@fifsg.com Or in writing: First Investors Servicing Corporation Attn: Compliance Department U.S. Mail/Delivery: 3065 Akers Mill Rd, Suite 700, Atlanta, GA 30339 Facsimile: 866-390-2947 E-Mail: compliance@fifsg.com

Yes, you can securely access statements online. To view, download or print an account statement, go FIFSG.com and enter your login and password. Select “Statements” and then select the statement month you would like to view or print. Please note: You are only able to view e-statements from the time you started using e-statements.

No. You will receive a monthly statement. The statement prints 21 days before your current due date and is mailed either the day of printing or the following business day.

Your payment was received on or after the late fee assessment date. The late fee assessment date is the point at which the grace period ends and you must pay a late charge for failing to pay a regular installment payment when due. For example, if a monthly payment is due on the first of the month, and a borrower is given a 15-day grace period, a late fee will be assessed if the payment is received on or after the 16th of the month. Your grace period, if any, is disclosed in your contract.

Accounts that are 0-29 days past due will not report to the credit bureaus as past due.  However, once an account becomes 30 or more days past due, it is at risk of reporting as past due.  To determine how your account information reported, you may review the information on your credit report.  If you believe the that reported information is inaccurate, please send the dispute notification to:  First Investors Servicing Corporation, Attn: Compliance Department, U.S. Mail/Delivery: 3065 Akers Mill RD SE, Suite 700, Atlanta, GA 30339, Facsimile: 866-390-2947, E-Mail: compliance@fifsg.com.

Contact our Title Department via telephone at 800-234-0035, Monday - Friday, 9:00 am - 6:00 pm, Central.

This is generally not permitted. Call Customer Service at 800-249-6305 to discuss.

Login to your account, go to the tab "Your Account" and go to the tab titled "Update Address/Phone Number" and enter the new information. Customer Service will update your information within 24-48 hours.

Yes. Depending on the status of your account, you may access your account online and make a payment. This is a free service.

If a payment is returned due to insufficient funds or uncollected funds, First Investors may choose to resubmit the payment a second time if the payment is eligible for resubmission.  Resubmission may occur up to 7 days after the original payment date. 

 

For a telephone payment, you may call to cancel or reschedule your payment. You must call 48 hours (Monday – Friday) in advance, prior to the scheduled due date. For a web payment, you should log into your account and cancel the payment at least 1 business day prior to the payment date. If the payment has been processed, you will not see the payment as pending on the web site and will be unable to cancel.

First Investors does not accept payments via credit card. First Investors is able to accept debit card payments in most states. First Investors uses Paymentus to process debit card payments and Paymentus charges a $3.75 fee for their service. Debit payments initiated after 8PM ET will be credited to your account the following day. NOTE: You may always make an ACH payment via telephone or our web site from your checking or savings account without a service fee.

When you make your regular monthly payment, you may include an additional amount to be applied directly to principal. Any amount in excess of the accumulated interest due (and applicable fees that are due and payable, if any) will be applied to principal.

No. Accumulated interest will be a component of each payment to the extent that any interest is due. When you make your regular monthly payment, you may include an additional amount to be applied directly to principal. Any payment amount in excess of any accumulated interest due (and applicable fees that are due and payable, if any) will be applied to principal in all cases. Please also see “What happens if I make a larger payment than my current payment that is due?” below.

You may move your next due date by paying ahead. The most you can move your next due date is 3 months. If you make a payment that is at least twice as much as the current payment due, but less than three times as much, your next due date will be moved out 2 months. If you make a payment that is at least three times as much as the current payment due, your next due date will be moved out 3 months. Any amount in excess of the current interest due (and applicable fees that are due and payable, if any) will be applied to principal. If you pay ahead and a payment is not required for the current month, please be aware that interest is still accruing. If you would like to pay the interest, you should still make an interest payment. You may call us to find out how much interest has accrued. Otherwise, most or all of the next payment may be applied to interest.

It is important to remember that finance charges are calculated on your declining principal balance and your daily finance charge declines as your principal balance declines. That means that a greater percentage of your monthly payment is distributed to finance charges/interest early in the life of the contract because of the larger principal balance, and a greater percentage is distributed to the principal toward the end because of the smaller principal balance. Thus, the principal balance decreases slowly at first and more quickly closer to the end of the contract. The timing of your payments will vary the finance charges you owe. Since finance charges will accrue daily for simple interest contracts, the actual amount of finance charge and the actual amount of your final payment will depend on your payment record. If you make every payment on the due date, you will pay off the contract in the time frame and amount described in your contract. If you make your payments before the due date, you will pay less in finance charges. The later you make your payments after they are due, you will pay more in finance charges. This illustrates the importance of making payments on time. Late payments will result in more of each payment being distributed to finance charge/interest and the balance being reduced more slowly. Also, depending on your contract, you may be subject to a late fee if the monthly payment is not made within the “grace period.” Depending on your contract, you may be subject to an NSF fee for payments made with insufficient funds. If permitted by the contract and state law, part of your payment may be applied to these fees prior to principal. Payment extension(s) will result in a longer repayment period than originally scheduled. A payment extension(s) will result in more finance charges/interest accruing on your account and a higher principal balance than if payments were made as originally scheduled in your contract. Interest will continue to accrue during the extension period and your payment following the extension period will be disproportionately allocated to the unpaid interest. Similarly, a due date change may result in more finance charges/interest than if all payments were made as originally scheduled. Please see “What is a simple interest contract?” for more information.

Click the following link for information concerning a simple interest loan works: Simple Interest Letter

You may have made late payments, had return check items, or received a payment extension(s). If your contract is a simple interest contract, then the finance charge disclosed to you in your contract assumed that all payments would be made in full on the scheduled due dates. The actual amount of finance charge and the actual amount of your final payment will depend on your payment record. If you make payments after the scheduled due dates or receive a payment exctension(s), you will pay more finance charge/interest and you will have a balance remaining after your final scheduled payment. If you make payments before the due date and do not defer any payments, you will pay less finance charge/interest. Please refer to your contract for more information concerning the terms and conditions of your specific agreement. Please see “What is a simple interest contract?” for more information.

Multiply your principal balance by your interest rate and divide that figure by 365. That will give you the per diem (daily interest). Then count the number of days between payments and multiply that number by the per diem. The resulting amount is the accrued interest for that payment. Example: ($10,000 x 18%) / 365 = $4.93. Please see “What is a simple interest contract?” for more information.

Your current balance is your principal balance only. A payoff includes the principal balance, any outstanding fees, and the interest accrued from the last payment received up through the payoff date. There is no penalty for early payoff.

Receipt of your physical title depends on whether or not we are in possession of the physical title or if our lien has been recorded electronically.  In either case, we will release our lien within a reasonable time following payment in full for the satisfaction of the balance of your account.  The timing of the release is determined by form of the final payment (e.g., bank check, dealership check, certified funds, or personal check).  If we are in possession of the physical title,  we will mail the title to you using the address you have on your account.  If your address has changed, please let us know.  Delivery of the physical title may also be influenced by delays in the U.S. Postal Service.  If you have not received your released title by the 20^thday following the processing of the final payment, please contact us at titles@fifsg.com.   In some states our lien is recorded electronically.  In those states, we will notify the state of our lien release and the state will provide you the physical title.  You should contact your state DMV for their completion times because it varies from state to state.  Electronic (paperless) states include:  Arizona, California, Colorado, Florida, Georgia, Hawaii, Idaho, Iowa, Kansas,Louisiana, Maryland, Massachusetts, Nebraska, Nevada, North Carolina, Pennsylvania, South Carolina, South Dakota, Texas, Virginia and Wisconsin.

No. Since interest charges will accrue daily on past due amounts for simple interest contracts, the actual amount of finance charge and the actual amount of your final payment will depend on your payment record. If you make every payment on the due date, you will pay off the contract in the time frame described in the contract. However, if you make late payments, you will pay more finance charge (e.g., interest) and you will have a balance remaining after your final scheduled payment. Depending on the number and severity of late payments, the final balance may be significant (i.e., much more than the regular monthly payment amount).  If that occurs, you will have the option to pay the remaining balance or to continue to make monthly payments in the regularly scheduled amount until the balance is resolved. If you make every payment before the due date, you will pay less finance charge.

The pending refund will start processing approximately 7 days after we receive the payoff amount and it is posted to your account.

Overnight payments should be mailed to Lockbox SVCS 205749, First Investor Financial Services, 2975 Regents Blvd Suite 100, Irving, TX 75063 and for regular payments please mail to First Investors Financial Services, PO Box 205749, Dallas, TX 75320-5749. Dealers please send contracts/funding packages to 5757 Woodway Dr
Suite 400 Houston, Texas 77057.

Yes. Contact our Customer Service Department at 800-249-6305 to sign up for Automatic Payment and take the worry out of making your payment every month. It normally takes 20 days for the set up process to complete and you may need to make the next payment before it starts.

Yes, you may. Just realize that sometime within a 1-2 year period, you would have paid enough extra to skip a month and the auto debit would not draw until the following month. (e.g. Payments for $500 were set up paying $40 more than the regular amount of $460. After 12 payments ($480 extra) the system would move the next payment from say, Sept. to Oct. and the auto debit would not process for Sept. but it would process in Oct.

Send a written request to Customer Service to cancel the auto debit. The cancellation request must be received no later than 3 business days before the next due date. You may send it by e-mail, fax, or mail. Please send the mailed request to the physical address, Attn: Customer Service.

Statements print automatically through the operating system and can be kept for your records. If you wish to stop the statements, you may call Customer Service and request them to be stopped.

You may have paid extra on your account (e.g. sending $300 instead of $299.13) and, on your statement, that amount is deducted from your regular payment amount. As long as there are no outstanding fees, the extra amount sent will be applied to principal.

There are a couple of reasons. Either you have paid enough extra to almost make a full payment and the account rolled a month and added the small difference on the next month's payment (e.g. If someone has paid $360 of a $370 payment and instead of being due for this month, they'll be due for next month for a payment of $380.) OR you've made a short payment at some time and the amount is owed. Contact our Customer Service Department at 800-249-6305 and we will review your statement with you.

You are allowed to move your due date up to 20 days from your original due date. This may be accomplished in one or more due date changes but never more than 20 days beyond the original due date. The first payment should be made before submitting the request and the account must be current. The exception to that rule is that no due dates are allowed between the 27th of the month to the 2nd of the following month (inclusive) unless you're set up on the auto debit payment program. We must receive a complete, signed due date change form to change the due date.

Yes. You may use the automated service by calling the Customer Service number and choosing that option or you may call Customer Service and a representative will assist you in setting up the payment. You will need a check in order to use the check number, routing number (the first set of numbers in the bottom left-hand corner of the check-there's usually 9 numbers) and bank account number (the next set of numbers after the routing number). This is a free service.

Call the Insurance department at 888-622-9212. Please have your insurance company's name, their phone number, and the claim number available. The fax # is 888-272-5717.

Contact Joseph or Belverly at 800-235-6757. Have the nature of the impound (e.g. traffic stop, accident, IRS, expired tags, etc.), the location of the car, and any fees or damages ready. The fax number for that department is 888-272-5717.

Send proof of your name change (eg. driver's license, marriage certificate, part of the divorce decree showing name change) by mail to the physical address or by fax to Customer Service. The fax # is 888-272-5718.

Documents should be uploaded to the website: https://www.myinsuranceinfo.com Contact number: 800-998-0762 Fax number: 844-302-2535. If you need immediate assistance please email insuranceupdate@stellantis-fs.com with the insurance declaration page. 

Please contact our Compliance Department as follows: First Investors Servicing Corporation Attn: Compliance Department U.S. Mail/Delivery: 3065 Akers Mill RD SE, Suite 700, Atlanta, GA 30339 Facsimile: 866-390-2947 E-Mail: compliance@fifsg.com You may also use our Courtesy Consumer Dispute Form.

We may report information about your account to Equifax, Experian, TransUnion, and Innovis. Late Payments, missed payments, or other defaults on your account may be reflected in your credit report.  Most accounts are reported; however, there may be instances in which we will not report data to the consumer reporting agencies. Accounts that are in Bankruptcy status or have experienced a Bankruptcy may not be reported.

You should always review your credit reports. If you believe that we have reported inaccurate information concerning your account to any consumer reporting agency, then please send us a dispute notification indicating the specific information that you believe is inaccurate and containing all of the relevant information as to why you believe that information is inaccurate. Please send the dispute notification to:  by mail or courier to First Investors Servicing Corporation, Attn: Compliance Department, 3065 Akers Mill RD SE, Suite 700, Atlanta, GA 30339, by Facsimile to 866-390-2947, or by E-Mail: compliance@fifsg.com. Please use caution when sending sensitive information by an unsecured email.

The Servicemember's Civil Relief Act (SCRA) provides protections for eligible individuals who are entering military service or called to active duty. The SCRA applies to active-duty members of the Army, Navy, Air Force, Marine Corps, and Coast Guard; members of the reserves when on active duty; members of the National Guard mobilized under federal orders for at least 30 consecutive days; and active commissioned officers of the Public Health Service or the National Oceanic and Atmospheric Administration. The SCRA is intended to postpone or suspend certain civil obligations—many of them financial—so servicemembers can devote their full attention to their duties while their family members experience less stress. For example, the SCRA places a limit on the amount of interest that may be collected on financial obligations of any kind: 6 percent per year during the time of military service. Any amount over and above that 6 percent is permanently forgiven. If you are eligible, your SCRA benefits and protections begin the day you are called to active duty. SCRA benefits legally expire at the end of your active duty period. SCRA does not relieve you of your responsibility to make payments in a timely manner and it does not prevent a creditor from reporting past due payments to the credit bureau. The creditor cannot, however, charge you a late fee for any late payments due in the SCRA eligibility period if the fee coupled with the interest charges would amount to greater than 6%. The SCRA applies to servicemembers who entered into their credit obligation before entering military service or called to active duty, but our policy goes beyond the coverage of the SCRA (see FAQ: How do I request an SCRA rate reduction?) Therefore, do not hesitate to notify us of your active duty status or deployment orders. If you have questions about our SCRA policy and coverage, please contact us at compliance@fifsg.com. Please be advised that, if covered by our company policy for a rate reduction, but not covered by the SCRA, the account may not be entitled to all of the benefits of the SCRA, such as prohibition of self-help repossession.

You may contact our Customer Service Department via telephone at 888-272-5718 or via e-mail at customer.service@fifsg.com. You may also contact our Compliance Department as follows: First Investors Servicing Corporation Attn: Compliance Department U.S. Mail/Delivery: 3065 Akers Mill RD SE, Suite 700, Atlanta, GA 30339 Facsimile: 866-390-2947 E-Mail: compliance@fifsg.com. We encourage you to notify us as soon as you are able, but you may submit your request for coverage anytime, up to 180 days after the date active duty terminates. Coverage will apply for the duration of the active duty period, and will be applied retroactively to the active duty start date. Depending on when we receive notification, you may receive a credit or refund of “excess” interest that has already been assessed after coverage began. We will let you decide whether to receive a credit or a refund. The SCRA applies to service members who entered into their credit obligation before entering military service or called to active duty, but First Investors appreciates the service of America's military personnel. That is why our policy goes beyond the coverage of the SCRA. For example: If you were in active duty status on the contract date but are deployed outside the USA or exited and then later re-entered active duty status, we will honor the rate reduction request. We also honor rate reduction requests for National Guard active duty orders even if not covered by the SCRA or state law. Therefore, do not hesitate to notify us of your active duty status or deployment orders. If you have questions about our SCRA policy and coverage, please contact us at compliance@fifsg.com.

If your contract is currently covered by the SCRA, prior to seeking a refinance, you should consult with your legal advisor regarding the potential loss of any benefits you are entitled to under the Servicemembers Civil Relief Act or applicable state law.

If your installment loan was obtained before you entered military service, the SCRA requires your lender to obtain a court order before it can repossess your personal property during any covered period of military service. The lender must determine whether you are a servicemember on active duty, and the court is required to protect your rights under SCRA. In order to ensure repossession does not occur and to ensure you get the interest rate benefits that you are entitled to, it's always a good idea to notify us of your call to active duty.

It depends. Spouses of servicemembers with debt incurred solely in the name of the non-servicemember spouse are not covered by the SCRA. However, if the account is a joint account with the covered servicemember, then SCRA benefits may apply.

Please notify us if you are deployed. While deployed, if you have questions or concerns about your account and are unable to contact us by telephone, you may always contact us via e-mail at customer.service@fifsg.com or compliance@fifsg.com. Also one of the most important things you can do before deployment with regard to your financial situation is to designate power of attorney to your spouse or other trusted family member or friend. This can help make it much easier to deal with unanticipated financial issues if they were to arise. For individual accounts in your name only, your spouse or other trusted family member or friend will need a properly executed power of attorney from you. For full details about establishing a power of attorney, be sure to contact your military legal service office or your private attorney. Also, you may be eligible for the SCRA interest rate reduction even if you were in active duty on the contract date based on our policy that goes beyond what is required by the SCRA. We honor requests when the servicemember is deployed outside the USA.

Yes. If an account becomes delinquent, First Investors may attempt to make contact with you based on the contact information that you have provided (e.g., telephone numbers, e-mail addresses). If you would like to limit contacts, for example, to a particular telephone number or to an e-mail address, then you should notify us. We encourage you to contact us as follows and let us know your preferences or to notify us of any concerns: U.S. Mail: First Investors Servicing Corporation, Attn: Compliance Department, 3065 Akers Mill RD SE. Suite 700, Atlanta, GA 30339 Facsimile: Compliance Department at 866-390-2947 E-Mail: compliance@fifsg.com

You always have the right to redeem the vehicle by paying the full amount owed prior to the sale of the vehicle. In some states, you have the legal right to reinstate the contract by paying the delinquent amount (including fees) prior to the sale of the vehicle. In states where reinstatement is not legally required, you may be eligible to reinstate the agreement and get back the vehicle before the vehicle is sold. Information concerning redemption and reinstatement will be included in our notification letter that will be or has been sent to you. To find out if your account is eligible for reinstatement and, if so, the amount to reinstate, call us at 1-800-249-6305.

We may be able to work with you to try to make the best of a difficult situation. Timing is critical and we encourage our customers to contact us as soon as they identify the onset of financial hardship. The sooner we are notified, the more options we may have available to assist you.

To see if your account is currently eligible for a payment extension(s), call 1-800-249-6305. If it is, you will need to submit a payment extension application and receive approval. All pages of the payment extension application must be returned to us. Approval is not guaranteed, so please continue to make timely payments until you are notified that the extension application has been approved.

Yes. The extension of the payment(s) will impact your original term. For example, if your contract has a 60 month term and you receive a two month extension, your term will now be scheduled to expire at the end of the 62nd month, not after the 60th month. Therefore, if approved, a payment extension(s) will result in a longer repayment period than originally scheduled, will result in more interest accruing on your account, and will result in a higher principal balance remaining at the end of the term than if payments are made as originally scheduled in your contract. Interest will continue to accrue during the extension period and your payments following the extension period will be disproportionately allocated to the unpaid interest. GAP/debt cancellation waivers may be impacted by payment extension(s) and any claim may not pay the entire remaining balance.

Yes. Interest will continue to accrue during the extension period and your payments following the extension period will be disproportionately allocated to the unpaid interest. This will result in more interest accruing on your account and a higher principal balance remaining at the end of the term than if payments are made as originally scheduled in your contract.

GAP and debt cancellation waivers may be impacted by payment extension(s) and a claim may not pay the entire remaining deficiency balance. Please refer to your GAP or debt cancellation agreement or addendum.

Mail:
First Investors Servicing Corporation
Attn: Compliance Department
3065 Akers Mill Rd SE, Suite 700
Atlanta, GA 30339; or
E-Mail:  compliance@fifsg.com
Facsimile: 866-390-2947
Please make sure to include the specific information being disputed and to provide any information you have to substantiate the dispute. We do not require a particular format, but the CFPB offers helpful advice concerning filing a dispute: 

https://files.consumerfinance.gov/f/documents/092016_cfpb_FurnisherSampleLetter.pdf

*Consumer reporting companies and furnishers may not limit a person’s dispute rights: Consumer reporting companies and furnishers must reasonably investigate disputes received directly from individuals. For furnishers, they must reasonably investigate all indirect disputes received from consumer reporting companies. These requirements remain in place even if a person does not include or use the entity’s preferred format, intake forms, or documentation.

Requests to have the dispute code removed can be submitted to First Investors Servicing Corporation in writing.  The request must indicate “I am no longer disputing this account.  Please remove the dispute indicator from my credit report.”

A response will be sent within 30 days of receiving the dispute; however, responses are typically sent within 14 business days of receiving the dispute.

www.equifax.com or 
800-685-1111.

www.TransUnion.com or 
(800) 888-4213, 800-916-8800.

www.experian.com or 
866-200-6020, 888-397-3742.

It is our current process to delete accounts that are included in Bankruptcy case.  It is possible, however, that reporting may be reinstated in the future depending on the circumstances (e.g. reaffirmations or dismissals). 

We are unable to modify information that is reporting accurately to the consumer reporting agencies.  Goodwill requests may be sent to compliance@fifsg.com.  We will review reporting for accuracy and any valid delinquencies will continue to report.

There are many factors that can impact your credit score.  We are unable to determine how the information on your credit file impacts your credit score.  For additional information regarding your credit score, you may contact the consumer reporting agencies directly.

There are many factors that can impact your credit score.  We are unable to determine how the information on your credit file impacts your credit score.  For additional information regarding your credit score, you may contact the consumer reporting agencies directly.