North American Credit Services 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.
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
2810 Walker Road
Chattanooga, TN 37421
North American Credit Services Phone Number: 800-844-5654
Understanding Your Debt Collection Rights
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies 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. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
But here’s the rub: If you want to enforce your rights, or recover money for violations — you need to sue. These laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Consumers have reported this agency harassing them from the following numbers:
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, a 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
Read more about your rights
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.