1st Heritage Logo

Falling behind is never fun.
Here’s how to catch up with us.

CALL US TODAY

Your account is significantly past due, and we want to help you get back on track.
Here are two great options that you may qualify for:

OPTION 1:

TEMPORARY
ASSISTANCE
PLAN

Are you experiencing a temporary hardship? If so, please call us to see if you qualify for this plan. This plan requires you make a payment of 50% of your regular monthly payment, and we will:

• Reduce your monthly payment by 50%

• AND reduce your interest rate to 12% for 6 months.

How does it work? Call us at 888-956-2539 today.

CALL US TODAY
OPTION 2:

SETTLEMENT
OFFER

You pay a one-time settlement amount, and we will forgive the rest. Sound good? Here are the details:

• Call us for your settlement offer

• Pay the settlement amount in full

• Your loan will be closed

• Offer expires: September 26th, 2025

Does this sound like a good solution for you? If so, please call us at 888-956-2539 before September 26th, 2025.

If these options are not good solutions for you, we can still help. One of our team members will be happy to partner with you to find payment terms that work best for you.

Thank you for working with us to resolve this matter.

1st Heritage Logo

This is an attempt to collect a debt.

*This nontransferable, limited-time settlement offer is confidential. It expires on the date noted above and is subject to applicable state law. The original loan agreement signed by the parties remains enforceable in accordance with its terms and neither party is waiving its rights thereunder. We may report information about your account to credit bureaus. Account may be shown as settled for less than the full balance. Late payments, missed payments, or other defaults on your account may be reflected on your credit report. If payment has already been made, please disregard this notice.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

© 2026 First Heritage Credit. All Rights Reserved.