Bay Area Credit Service Collection Complaints. Stop the calls

Many consumers bring up complaints about harassing collection calls

Bay Area Credit Service is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.

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Who is Bay Area Credit Service?

Bay Area Credit Service are a debt collection agency with operations across the U.S.. Bay Area Credit Service describes itself as a “contact centre,” and along with chasing customers for collection of debt it also supplies auto-dial calling services (also called robocalling) for appointment scheduling and reminders.

Bay Area Credit Service implements collections at all stages, from calling and writing customers before a debt has been charged off as uncollectible, all of the way to chasing consumers whose debt was offered to one of the numerous companies who purchase consumer debt for pennies on the dollar.

Have questions? Call us now at 844-685-9200 for a Free Case Evaluation.

Our services are absolutely FREE to you.

The harassing company pays our fees.

How many Complaints are there against Bay Area Credit Service?

As of April 2017, the Better Business Bureau reported 72 closed Bay Area Credit Service complaints over the previous few decades, including 15 closed Bay Area Credit Service complaints over the past 12 months. The BBB provides Bay Area Credit Service a B evaluation. Additionally, Justia lists three BACS complaints filed in federal court in the past year alleging violations of the Fair Debt Collection Practices Act, and one alleging violations of the Fair Credit Reporting Act. Moreover, the Consumer Financial Protection Bureau (CFPB) lists 46 closed Bay Area Credit Service complaints for 2016.

Can you help me file a No Fee Lawsuit against Bay Area Credit Service?

Absolutely. Here is a Sample Case Filed in Federal Court against Bay Area Credit Service

In 2015, a judge in U.S. District Court, Northern District of California, denied in part and granted in part a customer’s motion to amend her class action complaint in Alvarado v. HOVG d/b/a Bay Area Credit Service for alleged violations of the Fair Debt Collection Practices Act. According to the judge’s decision, the customer wanted to bring another alleged FDCPA violation to her complaint because, when Bay Area Credit Service was deposed, it was disclosed that a debt collector mentioned that the customer said she was going to speak to her attorney. Alvarado wanted to bring the allegation that Bay Area Credit Service violated the provision of the FDCPA that prohibits calling a consumer after being advised that they’re represented by counsel.

Bay Area Credit Service claimed that the motion should be denied since Alvarado understood what she told the debt collector before she ever filed the complaint, that the change was brought in bad faith, that the one-year statute of limitations had expired, and that the new claim could alter the character of the litigation. The judge disagreed, noting that individuals do not remember every statement made during telephone conversations, and that national rules state that an amendment to a pleading relates back to the date of the original pleading. The judge granted the customer’s motion to amend the complaint, but denied a motion to add AT&T Mobility as a suspect in the case.

Bay Area Credit Service Contact Information

Bay Area Credit Service
4145 Shackleford Road, Suite 330B
Norcross, GA 30093
Phone Number: 800-697-1234

Bay Area Credit Service Calling You?

Understanding Your Debt Collection Rights

If you’re being contacted by a debt collector, you should be aware that there are particular rules and requirements that debt collectors must follow. The principles are laid out in a law passed by Congress known as the Fair Debt Collection Practices Act, or the FDCPA. The FDCPA claims that within five days after the debt collector contacts you for the very first time, they have to send you a written note with specific details. The information must contain specifics about the debt and also inform you how you can access more information regarding the debt. If the debt collector doesn’t provide this written notice within the required time period, then they might be in violation of the FDCPA. For violations of the FDCPA, consumers may recover up to $1,000 in statutory damages, plus attorney fees and court costs.

Phone Numbers Bay Area Credit Service May Call You From

  • 8777496907
  • 8002141722
  • 8002145291
  • 8002146201
  • 8002146467
  • 8002212445
  • 8002214589
  • 8002355908
  • 8002360795
  • 8002675365
  • 800-443-1297
  • 866-882-7666
  • 866-471-9387
  • 866-853-0322
  • 800-454-2227
  • 866-358-5400
  • 800-697-1234
  • 800-862-4187
  • 866-399-4910
  • 813-713-9903
  • 678-229-5199
  • 352-344-8741

Want to Stop Bay Area Credit Service Debt Collection Harassment Now?

Your debt harassment checklist:

  • 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 recieving calls at work from a debt collection agency
  • Debt collectors are calling your 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

If a Debt collector does not send you a validation letter or if the letter does not say your right to dispute the debt, to speak with a representative directly and immediately call 844-685-9200 for a free, no obligation case evaluation. Debt collectors should be held liable.

What Our Clients are Saying

I didn’t understand that debt collection agencies may wind up paying your legal bill. What a surprise, to get free legal assistance. I am very thankful for all the hard work they did to finally give me my life back.”

“Lemberg Law contacted me within a couple of hours of me submitting my info on their site. That same day Daniel emailed me instructions on what to do the next time the collection agency called. Within a week, the calls had stopped. Today marks week 2 and we’ve not had a call in three days. I can’t say thank you enough.”

“Seriously! Thank you a thousand times over! The debt collector kept calling me but would not give me any information regarding the debt that I owed except the sum. They threatened me over and over again and would not stop calling. I hunted on Google for ways to make the calls stop and discovered Lemberg Law. They took my case and found that the debt was too old to accumulate. This firm had ‘bought’ my accounts and expected for me to pay! Guess what? They ended up paying me for each of the harassment they put me through! I was SHOCKED when I received my check. Lemberg Law, you ROCK!”

Can You Help Me Delete Bay Area Credit Service from My Credit Report?

Yes, we may be able to help. Contact us and we will explain what is next.

Can Your Firm Help me Deal with Bay Area Credit Service?

The short answer is yes. Contact us now to find out more.

Sound Off!

Have you had a bad experience with this agency’s debt collectors? Sound off and share your experience with other visitors in the comment box below.


    My family members and I have received calls from this so called company that goes by the name of Bay services. I have been receiving harassing calls repeatedly and messages left on my voicemail even after I blocked their number. This guy told me his name is Mr. Swartz made threatening comments to me repeatedly like i was gonna go to jail blah blah blah if I didnt verify my personal information with him. Yet he refused to inform me of what he was calling about who the debt was with, or even how much the debt was! Yet he called and talked to my mentally ill mother and told her all my business or whatever business he thinks he has with me. My aunt also received a call from the same person which he revealed information to her also but once she found out they were some sort of fraudalant company searching for my information she also blocked their number. I have CHF, chronic high blood pressure amongst many other ailments and I do not need unnecessary stress in my life, especially being harassed on a daily basis from a unprofessional agency I know nothing about

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