Bay Area Credit Services Phone Harassment?

Is Bay Area Credit Services (BACS) calling you? Stop Bay Area Credit Services phone harassment. Do they threaten to take legal action or garnish your wages? Are they calling you at all hours or several times a day? Are they telling your family and neighbors that you owe a debt?  If so, what they are doing is illegal and needs to stop. You have the legal right to stop BACS phone harassment. If a collection agency violates the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees.

Is Bay Area Credit Services a Scam?

According to the Better Business Bureau website, Bay Area Credit Services has been in business for 10 years. There have been 69 complaints filed against BACS with the BBB.

Bay Area Credit Services Better Business Bureau

Who is Bay Area Credit Services?

Bay Area Credit Service is a third-party collection agency with corporate headquarters located in Norcross, Georgia. The Company offers services from early-age collections to post charge-off collections including bankruptcy, deceased, and legal processing, as well as provides electronic collection and letter services. Bay Area Credit Service serves customers in the United States. As of November of 2018, Bay Area Credit Services had 54 complaints field against them on the Better Business Bureau site.


Address: 4145 Shackleford Rd STE 330

Norcross, GA 30093-3541

Phone: (866-773-9877


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Bay Area Credit Services Collection Tactics

If Bay Area Credit Services engages in any of the following tactics, you may have a case:

  • Using profanity or abusive language
  • Calling you before 8:00 a.m. or after 9:00 p.m.
  • Calling you multiple times per week
  • Talking to others about your debt
  • Calling your workplace
  • Threatening to sue you, harm you, or destroy your credit
  • Telling you or anyone else that you’ve committed a crime
  • Calling repeatedly for the wrong person
  • Failing to notify you of your right to dispute the debt
  • Trying to collect more than legally allowed

Bay Area Credit Services Phone Numbers

Are you receiving any harassing phone calls from any of the following numbers?

866-773-9877, 800-862-4187, 877-337-2747, 800-454-2227, 678-229-5010, 770-441-0606, 877-749-6907, 800-214-5291, 866-515-3445, 800-213-6459, 866-279-7681, 800-399-2019, 800-210-5417, 800-277-0874, (866) 773-9877, (800) 862-4187, (877) 337-2747, (800) 454-2227, (678) 229-5010, (770) 441-0606, (877) 749-6907, (800) 214-5291, (866) 515-3445, (800) 213-6459, (866) 279-7681, (800) 399-2019, (800) 210-5417, (800) 277-0874, 8667739877, 8008624187, 8773372747, 8004542227, 6782295010, 7704410606, 8777496907, 8002145291, 8665153445, 8002136459, 8662797681, 8003992019, 8002105417, 8002770874, 866-515-3445, 800-399-2019, 800-214-5291, 877-749-6907, 800-213-6459, 800-214-5291,

If the answer is yes, then you are receiving calls from a known BACS number. You may be a victim of BACS phone harassment.  The list above is not all the numbers that BACS uses. The calls can be from a different number, and it still be Bay Area Credit Services calling you.  Contact our office right away so we can start the process to stop BACS from calling you illegally. Above all, no one should live with harassment!

Common Questions

Is BACS a scam? No, Bay Area Credit Services has been in business for 10 years.

Can Bay Area Credit Services garnish my wages? Yes, BACS can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts.

Can BACS sue me? Yes, BACS can sue you so long as the debt is within the statute of limitations

Can BACS report my debt to the collection’s bureaus?  Yes, Debt collectors are allowed to place the collection account on your credit report

Can BACS arrest me? Debt collectors don’t have the authority to have you arrested for a debt. However, if you violate a court order, e.g., an order to appear in court, the judge can issue a warrant for your arrest. Depending on the laws in your state, you may be arrested for certain debts like unpaid child support or traffic tickets.

The following is a sample list of complaints filed against Bay Area Credit Services in the past year and can be found on

1:18-cv-09216-LGS Daskalakis v. HOVG, LLC d/b/a Bay Area Credit Services

2:18-cv-03013-WB GUZMAN v. HOVG, LLC et al


3:16-cv-04128-MAS-LHG BENDER v. HOVG, LLC et al

8:16-cv-01290-VMC-TGW Walker v. Bay Area Credit Service, LLC

About Us

Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Rather than suffer alone, contact our office to begin the process to stop the Bay Area Credit Services harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.

Consumer Rights Law Firm Better Business Bureau

If you are interested in learning more about how to safeguard yourself and prevent harassment from Bay Area Credit Services call us at (877)700-5790 for immediate assistance or visit our website at

Success Stories

“I would highly recommend the Consumer Rights Law Firm to anybody that has been harassed! They were very professional and straightforward about my rights”.

“I had the pleasure of dealing with Consumer Rights Law Firm PLLC on 2 different occasions the staff were very courteous and helpful, and they were familiar with the Collection Agency’s in question and the harassment calls stop, I was even compensated. I would recommend this company to anyone going thru this type of harassment a very satisfied customer”.

“Because of a lie from a third-party debt collector that threatened me financially I nearly made the mistake of paying the debt collector money I couldn’t afford. The people here were friendly, knowledgeable and settled my case quickly. THANK YOU SO MUCH!!”

Check out the links below for more information:

Georgia Attorney General

Consumer Finance

Last Updated on February 5, 2022