Southwest Credit Systems or SWC Group has been in business since 1974 and is based in Carrollton, Texas, with another call center in Corpus Christi, Texas. SWC Group conducts first-party, pre-collection, and third-part collections for many different industries. The organization also provides transportation authorities guaranteed payment by means of a program named TOLLMAXX, where the company uses images recorded in toll lanes, pays the cost, and then turns around and collects from the motorists.
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Southwest Credit Systems is a legitimate debt collection agency with an extensive history of harassing consumers over debts. They collect for banks, healthcare industry and utility companies, among thousands of other large and small businesses nationwide.
If you’ve suffered from SWC Group debt harassment, you do have options. Under the law you can recover up to $1,000 for violations of the FDCPA, and $500 to $1,500 for each cell phone robocall.
As of May 2017, the Better Business Bureau reported 488 closed Southwest Credit Systems complaints over the previous 3 years, and Justia recorded 39 lawsuits against SCS in the past year alleging violations of the Fair Debt Collection Practices Act. In addition to that, the Consumer Financial Protection Bureau (CFPB) recorded 348 closed SCS complaints for 2016.
Southwest Credit Systems
4120 International Parkway, Suite 1100
Carrollton, TX 75007
Phone Number: 800-637-7439
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely Southwest would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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Absolutely. Here are some past Press Releases of Lawsuits Brought On By Lemberg Law in Federal Court
March 3, 2017. On behalf of our client, Lemberg Law recently filed a complaint in U.S. District Court, Southern District of Florida. The case, against Southwest Credit Systems, charges the company with violating federal law and state law. It asks for $500 to $1,500 per call in Telephone Consumer Protection Act statutory damages, $1,000 in Fair Debt Collection Practices Act (FDCPA) statutory damages, plus other relief.
Our client says that SCS begin calling his cell phone about a debt owed by his father-in-law. When he answered the phone, he heard a period of silence followed by an automated click, at which point the call was transferred to a SCS operator. The silence and the click we’re both clues that he was receiving a robocall. Our client says that he never gave his consent for SCS to call his cell phone. Moreover, our client told SCS that they were calling him in error, and to please stop. Nevertheless, SCS continue to call him.
The lawsuit charges that SCS violated the Telephone Consumer Protection Act (TCPA) by robocalling our client’s cell phone without his consent. The lawsuit also charges that SCS violated the Fair Debt Collection Practices Act (FDCPA) by contacting third parties without being asked to do so; by engaging in harassing behavior; and by using unfair and unconscionable means to collect a debt. It also charges SCS with invading our client’s privacy.
November 11, 2015. On behalf of our client, Lemberg Law recently filed a complaint in Massachusetts District Court. The case, against SCS, charges the debt collection agency with violating state law and asks for statutory and punitive damages, plus other relief.
Relentless phone calls can get on your nerves and can be quite upsetting. Our client tells us that SCS called her home phone up to five times per week. Our client talked to the debt collection agency’s representatives several times, telling them that she couldn’t pay the debt and to stop calling. Nevertheless, SCS kept calling.
This lawsuit charges that SCS violated the Massachusetts Consumer Protection Act by employing unfair or deceptive acts to collect a debt, and by calling more than twice in a seven-day period.
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). The 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). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.
These laws also provide individuals 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.
Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency.
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 you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
We can make them STOP!✋
The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call ? 844-685-9200 NOW.
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