North American Credit Services Phone Harassment❓
Is North American Credit Services (NACS) calling you? Receiving NACS debt collector text messages? 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 NACS 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. North American Credit Services operates within critical laws such as the Fair Debt Collections Practices Act and the regulations, ensuring they operate within the fair regulations and adhere to legal compliance and industry standards in providing credit services.
Introduction to Phone Harassment
Phone harassment by debt collectors has become an alarming problem, with many consumers reporting relentless calls designed to intimidate and pressure them into payment. When collectors cross the line, calling repeatedly, using threats, or contacting third parties, they violate federal consumer protection laws. These aggressive tactics don’t just disrupt daily life; they create unnecessary stress and financial anxiety. At Consumer Rights Law Firm PLLC, we’ve seen how companies like North American Credit Services (NACS) often ignore the legal boundaries of fair debt collection. Understanding your rights is the first step toward stopping the harassment and holding abusive collectors accountable for their illegal behavior.
Is North American Credit Services Legit?
According to the Better Business Bureau website, North American Credit Services has been in business for 38 years. North American Credit Services operates within a framework of compliance with various legal regulations such as the Fair Debt Collections Practices Act and the , ensuring adherence to industry standards and client satisfaction. There have been 33 complaints filed against NACS with the BBB.
What is North American Credit Services?
North American Credit Services is third party debt collector located in Chattanooga, Tennessee. NACS has been a party to a Federal Court case over 90 times. Their in-depth understanding of the industry allows their certified team to navigate complex regulations and provide tailored solutions for clients. Their core principles, described as values, set the standard for their operations and organizational culture, emphasizing faith, integrity, trust, service, kindness, and compassion. They have been accused of violating consumer’s rights and illegal and harassing communication tactics to attempt to coerce a north American credit services payment from the harassed consumer.
🏛️ North American Credit Services Address: 2810 Walker Rd Chattanooga, TN 37421-1082
📞 Phone: (423) 894-5654
North American Credit Services Collection Agency Tactics
If North American Credit Services engages in any of the following tactics, you may have a case. Ethical practices are crucial, and respect and compassion allows for a more effective and humane approach to debt collection. Serving consumers with respect is a fundamental aspect of our approach, ensuring that all interactions are handled with empathy and compliance with legal standards:
- 🚫 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, destroy your credit, or use illegal tactics to extract payments
- ❌ 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
North American Credit Services Phone Numbers
- 800-264-5654
- 800-467-5654
- 423-894-5654
- 800-844-5654
- (800) 264-5654
- (800) 467-5654
- (423) 894-5654
- (800) 844-5654
- 8002645654
- 8004675654
- 4238945654
- 8008445654
📲 If the answer is yes, then you are receiving calls from a known NACS number. You may be a victim of NACS phone harassment. The list above is not all the numbers that NACS uses. The calls can be from different numbers and it still be North American Credit Services calling you. Contact our office right away so we can start the process to stop NACS from calling you illegally. Above all, no one should live with harassment!
North American Credit Services Complaints
📋 The following is a sample list of complaints filed against North American Credit Services in the past year and can be found on Pacer.gov.
- 3:15-cv-00647-JPG-RJD Blanchard v.
- 3:15-cv-02805-N Beal v.
- 6:17-cv-00456-JA-DCI Velazquez v.
- 1:11-cv-01592 Todd v.
- 6:16-cv-00386-RP-JCM Hossfeld v.
Phone Harassment Prevention and Solutions
Phone harassment from debt collectors like North American Credit Services (NACS) can be stressful and overwhelming, but you have legal protections under the Fair Debt Collection Practices Act (FDCPA). If you’re receiving excessive, threatening, or repeated calls, especially outside permitted hours then you may be a victim of illegal harassment. The first step is documenting every call, including dates, times, and details of conversations. You can formally demand they cease contact through a written cease-and-desist letter, and if the harassment continues, you may have grounds to sue for violations. Consumer protection attorneys can help stop the calls, dispute invalid debts, and even recover damages for illegal collection practices. Remember: debt collectors are not allowed to threaten, lie, or harass you, knowing your rights is the best defense against abusive tactics.
Regulatory Framework and Compliance
North American Credit Services (NACS) operates within a strict legal framework governed by federal and state consumer protection laws, including the Fair Debt Collection Practices Act (FDCPA) and (CFPB) regulations. These laws prohibit abusive practices such as harassment, false threats, and unauthorized third-party disclosures, yet NACS has repeatedly faced allegations of violating these very rules. While they claim compliance, numerous consumer complaints and legal actions suggest a pattern of disregard for regulatory standards. Proper adherence requires transparent communication, debt validation upon request, and respect for cease-and-desist demands, protections that exist to hold agencies like NACS accountable. Consumers should know their rights and report violations, as regulatory bodies can impose penalties, enforce corrective actions, or even revoke collection licenses for repeated offenses.
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. Your peace of mind is our goal, and we are committed to achieving financial peace for our clients. Rather than suffer alone, contact our office to begin the process to stop the North American Credit Services harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
If you are interested in learning more about how to safeguard yourself and prevent harassment from North American Credit Services call us at (877)700-5790 for immediate assistance or visit our website.
Success Stories
- 🏆 “I was terrified when NACS threatened wage garnishment over an old debt. I didn’t know my rights, but Consumer Rights Law Firm PLLC did. They reviewed my case, challenged the debt’s validity, and forced NACS to back off. The team was compassionate and kept me informed every step of the way. If you’re facing debt collector harassment, don’t wait, call them!”
- 🏆 “North American Credit Services was calling my family and coworkers, which was completely illegal. I contacted Consumer Rights Law Firm PLLC, and they built a strong case against NACS for invasion of privacy and harassment. We won a settlement, and the calls stopped immediately. These lawyers fight hard for consumers, highly recommend!”
- 🏆 “NACS was threatening to sue me over a debt I didn’t even owe. They refused to validate the debt and kept pressuring me with aggressive calls. Consumer Rights Law Firm PLLC stepped in, demanded proper verification, and sued them for FDCPA violations. The case was dropped, and I didn’t have to pay a dime. If you’re being bullied by debt collectors, call these attorneys, they know their stuff!”
FAQs
Why is North American Credit Services calling me?
North American Credit Services (NACS) is a third-party debt collection agency based in Tennessee, often contacting consumers about unpaid debts sold or referred to them by original creditors. If they’re calling, they believe you owe a debt they’re trying to collect.
Is North American Credit Services a scam or legitimate collector?
NACS is a legitimate, established debt collection firm with decades in the business. However, if you suspect the calls are fraudulent or they can’t validate the debt, request written verification and investigate further before paying.
Can North American Credit Services legally harass me with repeated phone calls?
No. Under the FDCPA, debt collectors must not harass, threaten, use obscene language, call repeatedly, or call at inconvenient times (before 8 a.m. or after 9 p.m.). Repeated calls or abusive behavior may violate federal law.
What should I do to stop North American Credit Services from calling me?
Document every call (who, when, what was said), then send a written cease-and-desist letter requesting they stop. They must comply, except to communicate about legal actions. If calls continue, file complaints with the CFPB, FTC, or state attorney general.
Can I sue North American Credit Services for harassing calls?
Yes. If they violate the FDCPA or related laws, you may sue and recover up to $1,000 in statutory damages per violation, plus actual damages and legal costs. The CFPB confirms private lawsuits are allowed for such abuses.
What rights do I have to validation of the debt?
Within 5 days of their first contact, you have the right to request written validation of the debt, debt amount, creditor name, and proof it’s yours. Without validation within 30 days, NACS must cease collection until they provide proof.
Can North American Credit Services affect my credit score?
Yes. They can report unpaid debts to credit bureaus, which may negatively impact your credit score. You can dispute inaccuracies with the bureaus under the Fair Credit Reporting Act.
Do they use robocalls or spoofed numbers?
Many consumers report receiving robocalls or spoofed caller IDs from NACS. If they use automated calls without your consent, it may also violate the Telephone Consumer Protection Act.
Can they contact my family, friends, or employer?
No. They may only contact third parties to obtain your contact information, and only once. Disclosing your debt to others or calling your workplace after you’ve told them not to is illegal.
What if I don’t recognize this debt or didn’t owe anything?
Ask for debt validation in writing, and check with the original creditor. If you don’t owe it, send a dispute letter within 30 days. If they can’t provide proof, they must stop collection and call you.
