Is Southwest Credit Systems Calling You?

When some people hear the phone ring, they sweat and their heart rate goes up because they know who is likely calling: a debt collector.

Although they want to settle their debts, their current financial situation makes that impossible, so they tolerate harsh words, constant calls, and sharply worded letters, unaware that they legally don’t have to tolerate such abuse.

Is Southwest Credit Systems legit?

Yes, Southwest Credit Systems is a legitimate business. The BBB accredited Southwest Credit Systems in 1976 and gave it an B rating. Buzzfile notes that Southwest Credit Systems has approximately 342 employees and an annual revenue of $25 million. The BBB lists Southwest Credit Systems as a collection agency that uses the alternate business name SWC. According to its website, Southwest Credit Systems understands “that unexpected life circumstances arise, causing well-intended consumers to become delinquent on accounts. Our goal is to help you resolve your account with integrity and in a timely manner.”

Who does Southwest Credit Systems collect for?

Southwest Credit Systems collects unpaid debts on behalf of a variety of clients, including government agencies, utility companies, telecommunications and cable companies, property management companies, and education lenders.

How many complaints are there against Southwest Credit Systems?

As of June 2023, there are currently 544 complaints posted in the last 3 years on Southwest Credit Systems Inc BBB page, 210 of which were posted in the last 12 months. The complaints largely claim that SWC has utilized rude and unprofessional collections practices and has falsely reported credit. Additionally, there are 342 posted Google reviews regarding Southwest Credit Systems Inc collection practices, amounting to a 1.4/5 star review.

Southwest Credit Systems Contact information

Address: 4120 International Pkwy #1100, Carrollton, TX 75007
Telephone: 844.759.1986
Website: https://www.swcgroup.com

Can Southwest Credit Systems sue me or garnish my wages?

It is possible that Southwest Credit Systems sues you or garnishes your wages. However, it is important to note that they may only take this action with legitimate reason to do so, otherwise it violates federal collections law. Though this practice is illegal, debt collectors are known to take advantage of alleged debtors, proceeding to summon them to court and garnish their wages, even if they do not actually owe the collections company any money. Given this risk, the wisest decision as a consumer or alleged debtor would be to acquire legal help to assist with resolving your case.

Can I sue Southwest Credit Systems for harassment?

You can sue Southwest Credit Systems for harassment and you should if you wish to enforce your rights and recover money for Southwest Credit Systems’s violation. In fact, the Fair Debt Collections Practices Act (FDCPA) protects consumers like you, awarding damages of up to $1,000, plus attorney fees and court costs to victims of wrongful collections practices. Take advantage of the federal laws that are meant to protect consumers like you, and contact an attorney if you are at risk.

How often can Southwest Credit Systems call?

Southwest Credit Systems can only call within federally designated guidelines. Moreover, there are laws which protect consumers from repetitive phone calls from debt collectors. In November 2021, the CFPB’s Debt Collection Rule clarified that a debt collector is presumed to have violated the law if they place a telephone call to you about a particular debt

• More than seven times within a seven-day period, or
• Within seven days after engaging in a telephone conversation with you about the particular debt.

However, even if a collector has not not violated this particular portion of federal law, their actions may still be illegal if they are intended to harass, oppress, or abuse you.

How to stop Southwest Credit Systems calls?

You can stop Southwest Credit Systems. from calling by acquiring professional help. It is wisest to file a complaint first and then obtain assistance from an attorney. Your attorney will inform you that the Fair Debt Collections Practices Act (FDCPA) provides consumers protection from improper collections practices by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. They may add that if they have harassed you, or called you repetitively, you can receive additional protection under the FCRA, the Telephone Consumer Protection Act (TCPA), and the Consumer Financial Protection Act (CFPA). You may have a case if..

• You are receiving multiple calls per week from third party collection agencies.
• You are receiving early morning or late night calls from debt collectors
• You are receiving calls at work from a debt collection agency
• Debt collectors are calling your family, friends, neighbors, or coworkers
• Collectors are threatening you with violence, lawsuit, or arrest
• A debt collector attempts to collect more than you owe
• You are being threatened with negative credit reporting
• A debt collector attempts to intimidate you
• Criminal accusations are being made towards you
• Use of obscene language during an attempt to collect
• Automated robocalls are being made to your phone in an attempt to collect

Does Southwest Credit Systems hurt my credit score?

It is possible. If Southwest Credit Systems. has contacted you regarding an alleged outstanding debt it is possible that they will report the alleged debt to a credit bureau. You can prevent this from occurring, or remove the credit report if it has already been reported by contacting an attorney for assistance.

Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against Southwest Credit Systems, or any other third-party collection agency, you may not be entitled to any compensation.