If you are receiving persistent and harassing phone calls from Southwest Credit Systems, you are not alone. Many consumers report being targeted by this debt collection agency with aggressive tactics that cross legal boundaries. At Consumer Law Firm Centre, we specialize in protecting your rights against unlawful debt collection practices, including harassment by Southwest Credit Systems.
What is Southwest Credit Systems?
Southwest Credit Systems (SCS) is a third-party debt collector based in Carrollton, Texas. The company collects a variety of debts for creditors such as utility bills, loans, and other outstanding receivables. Operating for over 45 years, SCS has been involved in numerous legal proceedings related to debt collection. While SCS is a legitimate agency, many consumers have reported experiencing aggressive and sometimes illegal collection tactics.
Southwest Credit Systems Phone Harassment
Do you receive calls from Southwest Credit Systems at all hours? Do they threaten legal action or wage garnishment? Are they calling multiple times a day or sharing information about your debt with family and neighbors? These behaviors can constitute phone harassment, which violates the Fair Debt Collection Practices Act (FDCPA).
Under the FDCPA, you have the right to request that Southwest Credit Systems stop contacting you. Sending a written request to SCS to cease communication is your legal right and often the first step to stopping unwanted calls. If Southwest Credit Systems continues to harass you after your request, you may be entitled to recover statutory damages up to $1,000 and attorney fees.
Illegal Collection Tactics to Watch For
Southwest Credit Systems must follow strict rules when attempting to collect a debt. If they engage in any of these behaviors, you could have a legal claim:

• Calling you before 8 a.m. or after 9 p.m.
  
• Repeatedly calling multiple times per week or per day
  
• Using profanity or abusive language
  
• Threatening to sue, harm you, or ruin your credit without proper grounds
  
• Disclosing your debt information to third parties like family or neighbors
  
• Calling your employer or workplace
  
• Failing to notify you of your right to dispute the debt
  
• Attempting to collect more than legally owed
  

• Stop the harassment and illegal collection calls
  
• Request proper debt validation
  
• File complaints with regulatory agencies such as the Federal Trade Commission (FTC) or your state attorney general
  
• Seek compensation for FDCPA violations, including statutory damages and attorney fees
  
• Negotiate settlements or represent you in court if necessary
  

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