Are you being called by NACM Southwest, Inc.?* Here's what you need to know.
Debt collectors have one primary objective, and that is to get your money. Many of them don’t mind playing dirty, either. You can fight back by learning what your rights are and then standing up for yourself. Don’t let yourself be scared by threats: most of them have no legal foundation and are solely intended to make you pay quickly.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, protects indebted consumers from being abused by third-party debt collectors. This consumer protection law makes it illegal for a collection agency to do any of the following when attempting to collect a debt.
- Calling you before 8:00 a.m. and after 9:00 p.m. in your time zone
- Refusing or failing the validate the debt
- Calling you at work after you indicate that your employer does not allow personal calls
- Maliciously reporting false information to the credit bureaus
- Trying to collect more than the law and / or the original creditor agreement allow
- Telling your friends and family that you owe money
Company Profile: NACM Southwest, Inc.
If you are being called by NACM Southwest, Inc., information about the company is below.
NACM Southwest, Inc., which also does business as Dallas Association of Credit Management, Inc., is a debt collection office located in Coppell, Texas with an office in Shreveport, Louisiana. It was established in 1908, has approximately 24 employees, and is managed by its President, Dottie Smith Litigation records archived at the PACER (Public Access to Court Electronic Records) website suggest that consumers who believed they were being harassed by NACM Southwest, Inc. went to court to seek damages.
Alleged Violations against NACM Southwest, Inc.
According to PACER, on March 31, 2014, NACM Southwest sent an Indiana resident a collection letter regarding a debt that had been discharged in a previous bankruptcy. It allegedly did not contain, nor was it preceded or followed by a validation notice. The letter demanded payment of the alleged debt, indicated that collection efforts would be noted in her collection file, and threatened legal action if necessary.
Feeling harassed by NACM Southwest, Inc., the plaintiff hired a consumer attorney and sued the firm for allegedly violating the FDCPA in the following ways:
- Failing to validate the debt
- Attempting to collect a debt that had been discharged in a previous bankruptcy
The matter was later dismissed.
Hire an Attorney
The phone numbers for this debt collection company are:
If either of these numbers appear on your caller ID in response to an incoming call, it means that you are being called by NACM Southwest, Inc.. If they bully you over a debt that was discharged in a prior bankruptcy, hire a consumer attorney. If you file a claim against NACM Southwest, Inc. and win your case, you may be awarded $1,000 per FDCPA violation plus costs such as attorney and court fees. It’s a situation where knowing your rights could literally pay off.
*Case taken from PACER (www.pacer.gov). File number is Case 1:14-cv-01191-JMS-DKL from the United States District Court for the Southern District of Indiana, Indianapolis Division.
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 NACM Southwest, Inc., or any other third-party collection agency, you may not be entitled to any compensation.