What Is North American Credit Services?
North American Credit Services started business in 1981 and focuses on collecting healthcare debts. Based in Chattanooga, Tennessee, the company is also known as Receivables Management and Billing, Managed Medical Services, and Physicians Billing. NACS alludes to constantly reviewing their programs and methods to ensure that they provide the most motivation for consumers to pay. North American Credit Services determines the most effective way to collect from a patient and then decides whether to mail letters, send statements, or call consumers.
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North American Credit Services Collection Agency Complaints
As of April 2017, the Better Business Bureau reported 36 closed North American Credit Services complaints within the previous three years, including 11 closed North American Credit Services complaints within the previous 12 months. The BBB gives North American Credit Services an A+ rating. In addition, Justia lists three North American Credit Services complaints filed in federal court in the past year alleging violations of the Fair Debt Collection Practices Act, one alleging violations of the Fair Credit Reporting Act, and one alleging violations of the Telephone Consumer Protection Act. Furthermore, the Consumer Financial Protection Bureau (CFPB) lists 26 closed North American Credit Services complaints for 2016.
North American Credit Services Collection Agency Address
North American Credit Services
2810 Walker Road
Chattanooga, TN 37421
North American Credit Services Phone Number: 800-844-5654
Understanding Your Debt Collection Rights
If debt collectors are calling you too frequently, or calling just to annoy you by making your phone ring and then hanging up, you don’t have to sit there and take it. Under the Fair Debt Collection Practices Act (FDCPA), debt collectors are prohibited from harassing you via the phone. The law doesn’t specify what constitutes contacting you too much, but more than a few times a week is generally considered the threshold. Debt collectors also cannot call you late at night or early in the morning, unless you have given them your permission to do so. Generally, this means not calling before 8:00 a.m. or after 9:00 p.m. in the consumer’s time zone. It’s important to note that you don’t need to answer the phone for it to be considered harassment, and debt collectors who call just to irritate you by making your phone ring are in violation. Consumers who have been victims of debt collection harassment are eligible to recover up to $1,000 in statutory damages, plus attorney fees and court costs.
Phone Numbers Used by North American Credit Services
Consumers report calls from many different phone numbers, including these:
Stop 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 have had experiences before with legal teams and I can say without a doubt that Lemberg Law has certainly earned their reputation the old fashioned way…being relentless in representing their client’s best interest.”
”After talking to one of the associates, and going over the plan of action, I immediately felt I had chose the right firm to go to work for me. He was very accommodating in explaining what was going to happen. I would highly recommend Lemberg Law to anyone being hassled by debt collectors.”
“Just a short message to let you know I received my settlement and to thank you for your assistance. I would not hesitate to recommend you to anyone who is on the receiving end of the type of harassment which collection agencies engage in.”
Can You Help Me Delete North American Credit Services from My Credit Report?
The short answer is yes. We can help. Call us today.
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