972-300-1700
TX, US
Mel
Mel
2013-01-17 21:30:40
Unknown
Just got a call and got a voicemail and what i got wasnt Southwest Credit I got some chick talking about this is two girls and two guys, hmmmmtwo for one, hmmmmmmmmmmmm and some other nonsense I couldn't understand.
Junior
Junior
2013-01-01 18:09:00
Unknown
Kicking off a new year with the same old nonsense. Called at 12:59pm, Jan 1..No idea who it was - (ID was "Unavailable"), no message left as usual.

If this is some legit bill collector, that is a of load crock also...I do not have any outstanding / unpaid bills.
Rosemaery
Rosemaery
2011-06-06 21:08:24
Unknown
I've been getting them also, Googled and got GRANDE COMMUNICATIONS NETWORKS, INC. - TX.
No idea why they want to call me since I do not live in or near Texas at all. They are a cable and hi-speed company...blocking the number
bradda
bradda
2011-06-06 21:08:24
Unknown
yep i think them
Cindy
Cindy
2011-06-06 21:08:24
Unknown
I have also received calls from this number.  I believe this is Southwest Credit, since they sound like the same people who call me repeatedly from 800-343-2631 trying to collect a bogus debt.  They appear to be what Dave Ramsey calls scum suckers and bottom feeders.  Why not call their free number, and if they actually answer leave them a friendly message about what you think of them, of course using no language which is illegally or could be construed as threatening anything illegal.
Majorannoyed
Majorannoyed
2011-06-06 21:08:24
Unknown
Geez i dont know what the stinkin people want keeep on calling me 24/7
jim
jim
2011-06-06 21:08:24
Unknown
getting calls from this number...anyone know who this is?
Lemme A. Lone
Lemme A. Lone
2011-05-14 22:24:51
Telemarketer
Recorded message left on my answering machine about qualifying for a lower interest rate, "press 9 to speak with a live operator now!"
   Caller ID just said "Unavailable"
vernon bowling
vernon bowling
2011-02-22 17:55:31
Debt Collector
What is my next step to do after sending a registered letter to Southwest Credit Systems demanding they cease and desist calling my phone? They were notified in writeing that my number is on the do not call registry but still insist on calling me from this number and other numbers, they act like starveing vultures..
Jay
Jay
2011-01-12 16:15:51
Unknown
972 in this case is the area code, it's in the Dallas/FtWorth area.  They are a collection agency.
dasf
dasf
2010-12-28 15:47:03
Unknown
972 is country code for Israe, among other area codes. "company" could originate from this country, or involved in buy outs of accts supposed to be closed and done with, but stayed open for future "legal' theft or pranks activities, or fraudulently created, trying to clean people of their funds any which way.
It could come from any place, and is done all over the net, where people are connected to the web, or not, because communication co's are targeted for different purposes of sort by unscrupulos 'employees' or such. ID's theft or any 'training' scheme /'job' creating, using 'rules' and 'regulations' , or creating new ones for this predatory activities. Cyber space is the easiest way to destroy peoples lives/health/properties, from the shadows-by anyone of criminal=predatory mind.
Becky
Becky
2010-11-08 16:42:32
Unknown
I do not want this number to contiune calling me.
Victor
Victor
2010-09-25 16:37:07
Debt Collector
These guys are debt collectors.  When someone doesn't pay a bill for a while, the company owed sometimes just writes off the loss and "sells" the debt at a reduced rate.

Basically, if you didn't pay the ATT phone bill and the cost was $150, ATT figures it's not worth their time and effort and puts the debt up for sale (for a reduced rate).  These guys, Southwest credit systems, pays ATT $75 (maybe more, I don't know what the discount is) and ATT has now recouped $75 of the $150 you owe.  They're  OK with that (ATT, that is).

Now, southwest credit systems has the right to "attempt" to recoup the debt.  Keep in mind, you still owe $150 and SWCredit systems wants to make a profit so they are going to call you and ask you to pay what you owe.

SWCedit systems will use whatever data is available to them to contact you.  Phonebooks, credit reports, internet search engines, whatever.  This is why folks who have nothing to do with anything get calls from debt collectors - phone numbers weren't updated, people moved, etc.

Now, the reason why sometimes debt collectors KEEP calling you when you're NOT the person they're  looking for is because people sometimes lie.  The collector is figuring that you don't want to pay the bill so you're just saying you're not the person they're looking for.  In that case, you simply tell them you know they're trying to find the person responsible but that's NOT you.  Tell them that the phone number probably belonged to the person they're looking for AT ONE POINT IN THE PAST but they've got the wrong person now.  If you can do so legally, try recording the conversation so if they do keep pestering you, you have a good case!
TD
TD
2010-09-14 16:08:07
Debt Collector
I keep getting calls and messages on my cell phone from this number with regard to someone else's debt. I do not know why blocking the number on my cell phone is not working and has not stopped them.
Mina Faulkner
Mina Faulkner
2010-06-25 15:53:25
Unknown
If I get one more call from this number I going to sue. 972-300-1700 For James Wyatt. I do not know who this jurk is and stop calling me for his bills. Why don't these people find out if they have the right party!!!!!
I pay my bills but have to listen about some jurks that don't pay theirs. I going to find out what company this is!
LAMET
LAMET
2010-04-28 18:09:49
Unknown
Southwest Credit Systems, Inc.  

1446 Halsey Way

City : Carrollton
State : Texas
Zip : 75007

--------------------------------------------------------------------------------
Phone No.  972-446-0330 800-852-4977 888-778-8213 800-462-3804  
Fax 972-466-1511 972-466-1112  

   

 
 

Notes


Consumer's Experience   Submit your comments " here ".

One person claimed to be AT&T. Very rude and told me that because I asked who they were, it was a 'refusal' to deal with them and my credit would be affected.
By : Randy  


THE CORRECT WAY TO HANDLE COLLECTION CALLS AND ILLEGAL TACTICS
HANDLE IT CORRECTLY AND THEY WILL END UP PAYING YOU

READ DEALING WITH DEBT COLLECTORS, RECORDING CALLS AND STATUTE OF LIMITATIONS BY STATE
Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!    

The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!

Dealing with Debt Collectors
http://www.budhibbs.com/First.htm
    
Statute of Limitations by State ? always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/statute_of_limitations.htm


Recording calls from Debt Collectors - always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/record.htm


From Federal Trade Commission Website ? FAIR DEBT COLLECTION PRACTICES ACT
Debt Collection FAQs: A Guide for Consumers
If you?re behind in paying your bills, or a creditor?s records mistakenly make it appear that you are, a debt collector may be contacting you.
The Federal Trade Commission (FTC), the nation?s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.
Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.
Here are some questions and answers about your rights under the Act.

What types of debts are covered?
The Act covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn?t cover debts you incurred to run a business.

Can a debt collector contact me any time or any place?
No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they?re told (orally or in writing) that you?re not allowed to get calls there.

How can I stop a debt collector from contacting me?
If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter ? even if you don?t think you owe the debt, can?t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don?t want the collector to contact you again, tell the collector ? in writing ? to stop contacting you. Here?s how to do that:
Make a copy of your letter. Send the original by certified mail, and pay for a ?return receipt? so you?ll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt.

Can a debt collector contact anyone else about my debt?
If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don?t have an attorney, a collector may contact other people ? but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.

What does the debt collector have to tell me about the debt?
Every collector must send you a written ?validation notice? telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don?t think you owe the money.

Can a debt collector keep contacting me if I don?t think I owe any money?
If you send the debt collector a letter stating that you don?t owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.

What practices are off limits for debt collectors?
Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:
    use threats of violence or harm;
    publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
    use obscene or profane language; or
    repeatedly use the phone to annoy someone.

False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:
    falsely claim that they are attorneys or government representatives;
    falsely claim that you have committed a crime;
    falsely represent that they operate or work for a credit reporting company;
    misrepresent the amount you owe;
    indicate that papers they send you are legal forms if they aren?t; or
    indicate that papers they send to you aren?t legal forms if they are.

Debt collectors also are prohibited from saying that:
    you will be arrested if you don?t pay your debt;
    they?ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or
    legal action will be taken against you, if doing so would be illegal or if they don?t intend to take the action.

Debt collectors may not:
    give false credit information about you to anyone, including a credit reporting company;
    send you anything that looks like an official document from a court or government agency if it isn?t; or
    use a false company name.

Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:
    try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt ? or your state law ? allows the charge;
    deposit a post-dated check early;
    take or threaten to take your property unless it can be done legally; or
    contact you by postcard.

Can I control which debts my payments apply to?
Yes. If a debt collector is trying to collect more than one debt from you, the collector must apply any payment you make to the debt you select. Equally important, a debt collector may not apply a payment to a debt you don?t think you owe.

Can a debt collector garnish my bank account or my wages?
If you don?t pay a debt, a creditor or its debt collector generally can sue you to collect. If they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt.
Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages usually can be garnished only as the result of a court order. Don?t ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.

Can federal benefits be garnished?
Many federal benefits are exempt from garnishment, including:
    Social Security Benefits
    Supplemental Security Income (SSI) Benefits
    Veterans? Benefits
    Civil Service and Federal Retirement and Disability Benefits
    Service Members? Pay
    Military Annuities and Survivors? Benefits
    Student Assistance
    Railroad Retirement Benefits
    Merchant Seamen Wages
    Longshoremen?s and Harbor Workers? Death and Disability Benefits
    Foreign Service Retirement and Disability Benefits
    Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.
    Federal Emergency Management Agency Federal Disaster Assistance
But federal benefits may be garnished under certain circumstances, including to pay delinquent taxes, alimony, child support, or student loans.

Do I have any recourse if I think a debt collector has violated the law?
You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000, even if you can?t prove that you suffered actual damages. You also can be reimbursed for your attorney?s fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500,000, or one percent of the collector?s net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.

What should I do if a debt collector sues me?
If a debt collector files a lawsuit against you to collect a debt, respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights.

Where do I report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General?s office (www.naag.org) and the Federal Trade Commission (www.ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General?s office can help you determine your rights under your state?s law.

For More Information
To learn more about debt collection and other credit-related issues, visit www.ftc.gov/credit and MyMoney.gov, the U.S. government?s portal to financial education.
The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad
February 2009

File complaints with

Federal Trade Commission  https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en

Your State Attorney General
State Attorney General is every state they have offices

Link to all State Attorney General Websites www.naag.org

If you or they are located in NY ? use this SPECIAL Link  www.NYDebtHelp.com
This special website was created by NY AG Andrew Cuomo specifically for reporting illegal debt collection practices.  HE?S CRACKING DOWN AND SHUTTING THEM DOWN!
    
Also report your calls and contacts with debt collectors at http://www.budhibbs.com/index.html  If the company is listed under agencies ? report there. If not on the list YET, click on Watchlist! and add to the list.   You can also post here http://www.collectorsexposed.com/forum2/index.php?board=2.0
DS*****
DS*****
2010-04-28 18:02:08
Debt Collector
Have no clue who this company is or why they're calling me. I don't have any debts!
Alfalfa
Alfalfa
2010-02-19 16:48:24
Debt Collector
Southwest Credit Systems, LP
Phone: (972) 300-1700
Fax: (972) 300-1701
Address: 4120 International Pkwy Ste 1100
Carrollton, TX 75007-1958
Website: www.sw-credit.com
Original Business Start Date: August 1974
Principal: Ms. Dena Hatfield, Compliance Officer
Customer Contact: Ms. Dena Hatfield, Compliance Officer
Type of Business: Collection Agencies
BBB Accreditation: This organization is a BBB Accredited business.
Additional DBA Names: Southwest Credit Systems Inc
South Credit Systems
Additional company management personnel include:
Mr Jeff Hurt - CEO

Additional Phone Numbers
Tel: (972) 300-1772
Tel: (800) 637-7439

Customer Complaint History
When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

BBB processed a total of 122 complaints about this company in the last 36 months, our standard reporting period. Of the total of 122 complaints closed in 36 months, 56 were closed in the last year.

http://www.bbb.org/dallas/business-reviews/co ... rollton-tx-2351
obie
obie
2010-02-19 16:36:24
Unknown
they keep calling my cell and leaving messages.  i don't have anything to do with this company or whatever they are.
1-313-749-0342 1-888-815-2843 1-855-414-8853
Call Type:
Comment:
Your name:
Validation:
© WHOSCALL.IN 2011-2024 - Privacy