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North American Credit Services Phone Harassment?

Is North American Credit Services (NACS) calling you? Stop North American 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 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.

Is North American Credit Services a Scam?

According to the Better Business Bureau website, North American Credit Services has been in business for 38 years. There have been 33 complaints filed against NACS with the BBB.

North American Credit Services Better Business Bureau

Who 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. They have been accused of violating consumer’s rights and illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer.

Address: 2810 Walker Rd

Chattanooga, TN 37421-1082

Phone: (423) 894-5654


North American Credit Services is often referred to or searched for by other names. These include:

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North American Credit Services Collection Tactics

If North American 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

North American Credit Services Phone Numbers

Are you receiving any harassing phone calls from any of the following 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 a different number 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!

Common Questions

Is NACS a scam? No, North American Credit Services has been in business for 38 years.

Can North American Credit Services garnish my wages? Yes, NACS can garnish your wages on a federal student loan or if they obtain a judgment from the courts.

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

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

Can NACS 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 North American Credit Services in the past year and can be found on

3:15-cv-00647-JPG-RJD Blanchard v. North American Credit Services

3:15-cv-02805-N Beal v. North American Credit Services

6:17-cv-00456-JA-DCI Velazquez v. North American Credit Services

1:11-cv-01592 Todd v. North American Credit Services

6:16-cv-00386-RP-JCM Hossfeld v. North American Credit Services

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 North American 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 North American 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:

Tennessee Attorney General

Consumer Finance