Who We Are
FFR, Inc. is a nationwide privately owned contingency-based collection agency located west of Boston, MA. Even with our nationwide presence, we are committed to approaching each client with the same warmth and personal attention you would expect from a local business. With over 30 years in business, our customers trust us to safeguard their company reputation while delivering exceptional service to their clients. We consistently go above and beyond the industry standards in serving both our clients and consumers.
Our core mission is to assist individuals in moving forward from their debt by creating customized payment plans, navigating insurance processes, or communicating directly with their attorney if needed. We work across various industries nationwide, with a strong focus on healthcare and education. We understand the critical role we play in our client’s revenue cycle management and consistently employ a compassionate yet assertive approach in each collection effort. This approach reflects our commitment to both our clients and the individuals we serve, aiming to help everyone involved find a path towards financial resolution and stability.
Contact us to learn how we can help your company decrease your accounts receivable.
About Our Top-Rates, No Collection, No-Charge Agency
FFR, Inc. is a nationwide privately owned contingency-based collection agency located west of Boston, MA. Even with our nationwide presence, we are committed to approaching each client with the same warmth and personal attention you would expect from a local business. With over 30 years in business, our customers trust us to safeguard their company reputation while delivering exceptional service to their clients. We consistently go above and beyond the industry standards in serving both our clients and consumers.
Our core mission is to assist individuals in moving forward from their debt by creating customized payment plans, navigating insurance processes, or communicating directly with their attorney if needed. We work across various industries nationwide, with a strong focus on healthcare and education. We understand the critical role we play in our client’s revenue cycle management and consistently employ a compassionate yet assertive approach in each collection effort. This approach reflects our commitment to both our clients and the individuals we serve, aiming to help everyone involved find a path towards financial resolution and stability.
Contact us to learn how we can help your company decrease your accounts receivable.
“Worker’s Credit Union has been working with First Financial Resources for the past 5 years. They process our accounts efficiently and in a timely manner. The staff is always professional and courteous. We are pleased with the recoveries received from them.”
Nancy V.
Collections Assistant, Worker’s Credit Union
"I have been doing business with First Financial Resources, Inc. for the past 9 years and I am a raving fan. As a CPA, I am both confident and comfortable when referring First Financial Resources, Inc. to my clients who are in need of a collection agency. They have produced outstanding results for my company while satisfying all my needs. The staff has been an absolute pleasure to work with; they are always polite and friendly. I am proud to call First Financial Resources, Inc. my collection agency."
Keith B.
CPA, Solberg, Ebbeling & Blanchette, LLP
"Larry and his team at First Financial Resources are different. They provided me and my staff with ongoing training, and assisted us with implementing billing/collection procedures...the result being that our collections have dramatically improved. I am less stressed about cash flow and having to face those clients who owe us money... If you want a professional full service collection team on your side, I highly recommend First Financial Resources.”
Jim H.
CPA, Taxsense
"I just love the portal. I deal with other collections companies and yours is the only one with the easy-to-use portal.”
Dale Centamore
Ambulance Billing
“I have been doing business with First Financial Resources, Inc. for the past 9 years and I am a raving fan. As a CPA, I am both confident and comfortable when referring First Financial Resources, Inc. to my clients who are in need of a collection agency. They have produced outstanding results for my company while satisfying all my needs. The staff has been an absolute pleasure to work with; they are always polite and friendly. I am proud to call First Financial Resources, Inc. my collection agency.”
Keith B.
CPA of Solberg, Ebbeling & Blanchette, LLP
“Worker’s Credit Union has been working with First Financial Resources for the past 5 years. They process our accounts efficiently and in a timely manner. The staff is always professional and courteous. We are pleased with the recoveries received from them.”
Nancy V.
Collections Assistant, Worker’s Credit Union
“Larry and his team at First Financial Resources are different. They provided me and my staff with ongoing training, and assisted us with implementing billing/collection procedures…the result being that our collections have dramatically improved. I am less stressed about cash flow and having to face those clients who owe us money… If you want a professional full service collection team on your side, I highly recommend First Financial Resources.”
Jim H.
CPA, Taxsense
What makes us Different? – Our Core Values
Our team is committed to our core values and they remain at the forefront of everything we do and every decision we make:
Compassionate Assertiveness: We prioritize effective communication in every customer engagement, blending empathy and firmness. This principle involves expressing one’s thoughts respectfully while also upholding the rights and needs of all individuals involved. It is a fundamental element in fostering open and respectful communication.
Driven to Succeed: At FFR, Inc. we take the extra step to assist consumers and ensure that our clients consistently receive not only what we’ve committed to, but more. We promote innovation and teamwork in all aspects of our company and encourage open and honest communication with all our employees.
Positive Energy: Our philosophy revolves around continuous learning, embracing new challenges, and constantly exploring ways to support each other in our quest for growth and development. We aim to cultivate a work environment where our employees actively contribute to a positive atmosphere. This positivity shines through in our interactions with each other, our clients, and the consumer.
Be Humble: Humble individuals are modest, acknowledge their limitations, value others, and avoid arrogance. A workplace characterized by humility and gratitude fosters a positive and collaborative atmosphere, resulting in increased productivity, job satisfaction, and employee retention.
We hire employees and manage our entire company to these values.
If you’re looking for a collection agency that listens, educates, and collects, you won’t regret hiring FFR, Inc.
What makes us Different? – Our Core Values
Our team is committed to our core values and they remain at the forefront of everything we do and every decision we make:
Compassionate Assertiveness: We prioritize effective communication in every customer engagement, blending empathy and firmness. This principle involves expressing one’s thoughts respectfully while also upholding the rights and needs of all individuals involved. It is a fundamental element in fostering open and respectful communication.
Driven to Succeed: At FFR, Inc. we take the extra step to assist consumers and ensure that our clients consistently receive not only what we’ve committed to, but more. We promote innovation and teamwork in all aspects of our company and encourage open and honest communication with all our employees.
Positive Energy: Our philosophy revolves around continuous learning, embracing new challenges, and constantly exploring ways to support each other in our quest for growth and development. We aim to cultivate a work environment where our employees actively contribute to a positive atmosphere. This positivity shines through in our interactions with each other, our clients, and the consumer.
Be Humble: Humble individuals are modest, acknowledge their limitations, value others, and avoid arrogance. A workplace characterized by humility and gratitude fosters a positive and collaborative atmosphere, resulting in increased productivity, job satisfaction, and employee retention.
We hire employees and manage our entire company to these values.
If you’re looking for a collection agency that listens, educates, and collects, you won’t regret hiring FFR, Inc.
You may request records showing the following:
• that FFR, Inc. has the right to seek collection of the debt;
• the debt balance, including an explanation of any interest charges and additional fees;
• the date the debt became delinquent or the date of the last payment;
• the name of the creditor and the account number associated with the debt;
• the name and last known address of the debtor as it appeared in the creditor’s records prior to assignment of the debt; and
• the names of all persons or entities other than the debt collector to which the debt has been assigned, if applicable.
You may also request from us a copy of the contract or other document evidencing your agreement to the debt. A request for these records may be addressed to:
Nonprofit credit counseling services may be available in the area.
The California license number issued to FFR, Inc. is 11460-99.
For information about the Colorado Fair Debt Collection Practices act, see here: https://coag.gov/office-sections/consumer-protection/consumer-credit-unit/collection-agency-regulation/
Colorado residents (medical debt only): pursuant to Colorado law, discounts for hospital services are available for qualified individuals. See the written explanation of patient rights online at Colorado department of health care policy & financing explanation website at
This is an attempt to collect a debt and any information obtained will be used for that purpose.
The law limits how long you can be sued on a debt. Because of the age of your debt, First Financial Resources, Inc. will not sue you for it. If you do not pay the debt, First Financial Resources, Inc. may report or continue to report it to the credit reporting agencies as unpaid.
District of Columbia
If your debt has not been reduced to a judgment by a court, you have the right to request the following information concerning your debt:
• The name of the original creditor, and the name of any other owners of your debt, including the current owner;
• The name of the original creditor, and the name of any other owners of your debt, including the current owner
• Your last account number with the original creditor;
• A copy of the signed contract, signed application, or other documents which show your obligations;
• The date that your debt was incurred;
• The date of your last payment, if applicable; and
• An itemized accounting of the alleged debt, including the amount of any principal, interest, fees, or charges, and whether the charges were imposed by the original creditor, a debt collector, or other owner of the debt. For credit card or revolving credit accounts, the itemized accounting is measured from the charge-off balance.
You may request the above information by contacting us by phone, mail, or email, at the following: Address: 492 Old Connecticut Path, Suite 101, Framingham, MA 01701 Phone: 800-747-2302 E-mail Address: web@ffrcollects.com
You might have income or resources that are protected from being taken by debt collectors. These might include certain sources of income, funds, or property, including, but not limited to, Social Security, Supplemental Security Income (SSI), disability or unemployment benefits, veteran’s benefits, or child support payments. If you believe your property or income may be protected, you may wish to seek legal advice, including at a legal services provider or legal aid office, before paying this debt.
Massachusetts
Notice of Important Rights: you have the right to make a written or oral request that telephone calls regarding your debt not be made to you at your place of employment. Any such oral request will be valid for only ten days unless you provide written confirmation of the request postmarked or delivered within seven days of such request. You may terminate this request by writing to the debt collector.
Toll-free telephone number: 800-747-2302. Our operating hours are Monday – Friday 8am-5pm EST.
If collecting time-barred debt;
We are required by regulation of the Massachusetts attorney general to notify you of the following information:This information is not legal advice: this debt may be too old for you to be sued on it in court. If it is too old, you cannot be required to pay it through a lawsuit. Take note: you can renew the debt and the statute of limitations for the filing of a lawsuit against you if you do any of the following: Make any payment on the debt; sign a paper in which you admit that you owe the debt or in which you make a new promise to pay; sign a paper in which you give up or waive your right to stop the creditor from suing you in court to collect the debt. While this debt may not be enforceable through a lawsuit, it may still affect your ability to obtain credit or affect your credit score or rating.
Minnesota
This collection agency is licensed by the Minnesota Department of Commerce.
If you feel that your concerns have not been addressed, please contact our office at 800-747-2302 and allow us the opportunity to try and address your concerns. Or, you have the option to address any concerns with the Minnesota Attorney General’s Office, which can be reached at 651-296-3353 or 1-800-657-3787. We are required by MN law to inform you that you have the right to hire your own attorney to represent you in this matter.
New Mexico
The FFR, Inc. Collection Agency NMLS # 951453 – License # CA02524
We are required by New Mexico Attorney General Rule to notify you of the following information. This information is not legal advice: This debt may be too old for you to be sued on it in court. If it is too old, you can’t be required to pay it through a lawsuit. You can renew the debt and start the time for the filing of a lawsuit against you to collect the debt if you do any of the following: make any payment of the debt; sign a paper in which you admit that you owe the debt or in which you make a new promise to pay; sign a paper in which you give up (“waive”) your right to stop the debt collector from suing you in court to collect the debt.
New York City
FFR, Inc. offers the following language access services to NYC consumers: 1) the option to speak with FFR, Inc. representative in Massachusetts. In addition, a translation and description of commonly-used debt collection terms is available in multiple languages on the NYC Department of Consumer Affairs website, www.nyc.gov/dca
New York City Department of Consumer Affairs license numbers: 1404141-DCA
FFR, Inc. offers bilingual services to Spanish and Portuguese speaking consumers.
You may call our office at the toll free telephone number on the front side of this letter during normal business hours. The current creditor and the originating creditor on the front side of this letter.
This is an attempt to collect a debt and any information obtained will be used for that purpose.
New York State
In accordance with the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq., debt collectors are prohibited from engaging in abusive, deceptive, and unfair debt collection efforts, including but not limited to:
(i) the use or threat of violence;
(ii) the use of obscene or profane language; and
(iii) repeated phone calls made with the intent to annoy, abuse, or harass.
We are required by regulation of the New York State Department of Financial Services to notify you of the following information. This information is NOT legal advice: Your creditor or debt collector believes that the legal time limit (statute of limitations) for suing you to collect this debt may have expired. It is a violation of the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq., to sue to collect on a debt for which the statute of limitations has expired. However, if the creditor sues you to collect on this debt, you may be able to prevent the creditor from obtaining a judgment against you. To do so, you must tell the court that the statute of limitations has expired. Even if the statute of limitations has expired, you may choose to make payments on the debt. However, be aware: if you make a payment on the debt, admit to owing the debt, promise to pay the debt, or waive the statute of limitations on the debt, the time period in which the debt is enforceable in court may start again. If you would like to learn more about your legal rights and options, you can consult an attorney or a legal assistance or legal aid organization.
FFR, Inc. is not a law firm. FFR, Inc. does not intend to obtain a money judgment, or seek any other relief, against you in court. The New York State Department of Financial Services, however, requires that the following notice be provided:
If a creditor or debt collector receives a money judgment against you in court, state and federal laws prevent the following types of income from being taken to pay the debt:
1. Supplemental security income, (SSI);
2. Social security;
3. Public assistance (welfare);
4. Spousal support, maintenance (alimony) or child support;
5. Unemployment benefits;
6. Disability benefits;
7. Workers’ compensation benefits;
8. Public or private pensions;
9. Veterans’ benefits;
10. Federal student loans, federal student grants, and federal work study funds; and
11. Ninety percent of your wages or salary earned in the last sixty days.
You may request communications in an alternative, reasonably accommodatable format such as large print, braille, audio compact disc, or other means. You may make a request for alternative communications by calling toll-free 800-747-2302 during regular business hours.
West Virginia
Toll-free telephone number: 800-747-2302.
The law limits how long you can be sued on a debt. Because of the age of your debt, FFR, Inc. cannot sue you for it. If you do not pay the debt, FFR, Inc. may report or continue to report it to the credit reporting agencies as unpaid.
This is an attempt to collect a debt and any information obtained will be used for that purpose.
Wisconsin
In all written communication, must include the licensed name, debt collector’s full business address and telephone number both as part of the letterhead and on the portion of the notice designed to be returned to the agency with consumer’s response/payment.
This collection agency is licensed by the Division of Banking in the Wisconsin Department of Financial Institutions, www.wdfi.org.
Business Hours
Monday – Friday:
8:00am – 5:00pm (EST)
Client Services
Monday – Friday:
8:00am – 4:00pm (EST)
We are a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose.
DBA Names: “FFR”, “FFR Collects”, “FFR Collects, Inc.”, “First Financial Resources of MA, Inc.”