Security Credit Systems Debt Collection Harassment? Stop the Calls!
Security Credit Systems Debt Collection Harassment? Stop the Calls! Tired of Security Credit Systems Debt Collection Harassment? Wish there was a way to make the calls stop? Is Security Credit Systems constantly calling and harassing you? Does your phone ring every day, several times per day, because Security Credit Systems is making repeated attempts to contact you and demand payment? Threatening you with legal action? Has Security Credit Systems ever used abusive or profane language when speaking with you on the phone? If so, Security Credit Systems may be violating your legal rights. Stop the harassment. Debt collectors are required by law to send you a written notice within five days of their initial attempts to contact you, detailing the debt and your rights.
The protects consumers’ rights in the context of debt collection. In other words, debt collectors must adhere to a certain set of rules when they are pursuing consumers who owe money. If a collector violates the FDCPA, you can sue the collector in court. The law allows consumers who have been victims of harassment from debt collectors to get the calls to stop in addition to recover statutory damages of up to $1,000, plus attorney fees and court costs.
Is Security Credit Systems a scam?
According to the Better Business Bureau website, Security Credit Systems has been in business since 1983. There have been 11 complaints closed in the last 3 years and 8 complaints closed out in the last 12 months. Read more here: Security Credit Systems Better Business Bureau.
Who is Security Credit Systems?
Security Credit Systems is third party debt collector located in Buffalo, New York. Security Credit Systems is a debt collection company that works on behalf of various creditors to collect unpaid debts. When dealing with debt collection issues, it is important to identify the original creditor to verify the validity of the debt and understand your rights.
They have been a party in federal court cases over 110 times related to consumer credits and the collection thereof. A recent Federal Court cases alleges that Security Credit Systems used illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer.
🏛️ Address: 100 River Rock Dr Ste 200 Buffalo, NY 14207-2163
📞 Phone: (716) 882-4515
🖨️ Fax: (716) 882-8230
Security Credit Systems Debt Collection Harassment Tactics
- ➡️ Calls before 8:00 a.m. or after 9:00 p.m. or at any time or that they are given notice that it is inconvenient to call.
- ➡️ Call the consumer’s place of employment if they have been advised that calls cannot be accepted at work.
- ➡️ Use any profane language or any language that is harassing and abusive.
- ➡️ Engage in any conduct, the natural consequence of which is to harass, abuse or oppress.
- ➡️ Make any misrepresentations of fact, such as how much is owed, or certain actions they may take to force payment, especially during the process of collecting debts.
- ➡️ Threaten arrest or criminal prosecution.
- ➡️ Send false information to the credit bureaus.
- ➡️ Cause a telephone to ring an unreasonable number of times.
- ➡️ Before making any payments, consumers should verify the debt being collected. Debt collectors are responsible for collecting debts and must provide accurate and legitimate information upon request.
Security Credit Systems Phone Numbers
Are you receiving any harassing phone calls from any of these numbers?
- 📲 716-882-4515
- 📲 866-699-7889
If so, you may be a victim of Security Credit Systems debt collection harassment. The list above is not all the numbers that Security Credit Systems uses. Also, calls can be from a different number, and it still be Security Credit Systems calling you. Contact our office right away so we can start the process to stop Security Credit Systems from calling you illegally. Above all, no one should live with harassment.
How Security Credit Systems Affects Your Credit Report
When Security Credit Systems, a debt collection agency, gets involved with your unpaid debts, the impact on your credit report can be significant and long-lasting. As part of their collection activities, Security Credit Systems will typically report your debt to the major credit bureaus—TransUnion, Equifax, and Experian. This means a collection account will appear on your credit report, which can lower your credit score and make it harder to qualify for loans, credit cards, or even rental agreements in the future.
Under the Fair Credit Reporting Act (FCRA), you have important rights when it comes to credit reporting. If Security Credit Systems reports a debt that is inaccurate, outdated, or not yours, you have the right to dispute the entry with the credit bureau. The credit bureau is then required to investigate and, if the information is incorrect, remove Security Credit Systems from your credit report. Regularly checking your credit reports from all three credit bureaus is essential to catch any errors or negative items early.
Debt collectors like Security Credit Systems must also follow the Fair Debt Collection Practices Act (FDCPA), which protects you from unfair practices, harassment, and abusive language. If you believe Security Credit Systems is violating your rights—whether through repeated phone calls, misleading statements, or other unfair tactics—you can file a complaint with the Federal Trade Commission (FTC) or seek help from a credit repair company or attorney.
To protect your credit and minimize damage, it’s crucial to address any debts with Security Credit Systems as soon as possible. Consider negotiating a payment plan or settlement, but always get any agreement in writing before making a payment. Keep in mind that paying off a collection account does not automatically remove it from your credit report; it may simply be updated to show as “paid,” which is still a negative item, though less damaging than an unpaid debt.
If you’re overwhelmed by the process or unsure how to proceed, a reputable credit repair company can provide assistance. They can help you dispute inaccurate information, communicate with Security Credit Systems and the credit bureaus, and guide you through the steps to improve your credit health.
Be aware of zombie debt—old debts that are past the statute of limitations but are still being pursued by collection agencies like Security Credit Systems. If you’re contacted about a debt you believe is too old to collect, do not make a payment or acknowledge the debt in writing, as this could restart the statute of limitations and make you legally responsible for paying. Instead, request detailed information about the debt and consult with a professional before taking any action.
If Security Credit Systems is contacting you repeatedly by phone, mail, or email, you have the right to request in writing that they stop contacting you. While this can stop the calls, it does not erase the debt, and Security Credit Systems may still pursue legal action or report the debt to the credit bureaus.
By understanding your rights under federal laws like the FDCPA and FCRA, staying proactive about monitoring your credit reports, and seeking professional assistance when needed, you can protect your credit and take control of your financial future—even when dealing with aggressive debt collectors like Security Credit Systems.
CONSUMER RIGHTS LAW FIRM PLLC
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. Contact a legal professional to stop Security Credit Systems debt collection 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 Security Credit Systems debt collection harassment, call us at (877)700-5790 for immediate assistance or visit our website.
Success Stories
- 🏆 “Working with Consumer Rights Law Firm PLLC was the best decision I made after being bombarded with robocalls and threats from multiple collection agencies. I felt helpless and ashamed, even though I was trying to resolve my debts. The attorneys didn’t judge me — instead, they listened patiently, reviewed the evidence, and took action right away. They handled everything professionally and kept me informed at every step. Not only did they stop the harassment, but they also helped me recover money for the emotional distress I went through. If you’re feeling stuck or overwhelmed, reach out to them — they truly care.”
- 🏆 “I was very skeptical about reaching out to a law firm for something like debt collection harassment. I assumed there wasn’t much anyone could do — but Consumer Rights Law Firm PLLC completely proved me wrong. They were prompt, transparent, and incredibly effective. I provided call logs and voicemails, and they used that to build a strong case. I didn’t pay a cent for their help, and they were able to resolve my issue quickly and professionally. It’s rare to find a legal team this approachable and efficient. I highly recommend them to anyone facing unlawful collection tactics.”
- 🏆 “After months of receiving threatening letters and phone calls from a collection agency, I finally decided to fight back — and Consumer Rights Law Firm PLLC gave me the support I needed. From the very first phone call, their staff was kind and understanding. They took the time to explain my legal rights and collected all the necessary documents to move forward. The debt collectors were using scare tactics that I now know were completely illegal. Thanks to the firm, I not only stopped the harassment but also held the agency accountable in court. This law firm gave me peace of mind, and I’m so grateful.”
Common Questions:
Is Security Credit Systems a scam?
No, Security Credit Systems has been in business since 1983.
Can Security Credit Systems seize my property?
Security Credit Systems can’t seize your property, but there are some exceptions. If the debt was tied to the property, the collector may be able to repossess it. Or, if the collector has sued and obtained a judgment against you, the debt collector may be able to take certain property as permitted by the court.
Can Security Credit Systems sue me?
Yes, Security Credit Systems can sue you so long as the debt is within the statute of limitations. If you believe your rights have been violated, you may also have the right to take legal action against the debt collector in state or federal court.
Can Security Credit Systems report my debt to the collections bureaus?
Yes, debt collectors are allowed to have collection accounts reported to a credit reporting agency. These collection accounts can appear on your credit report and may negatively impact your credit score.
What should I do if I believe a debt is disputed or inaccurate?
If you believe a debt is disputed or inaccurate, you have the right to dispute the debt with both Security Credit Systems and the credit reporting agency. You should send a written dispute and request verification of the accounts. The credit reporting agency is required by law to investigate and correct any errors that are reported.
What is old debt and can it still be collected?
Old debt refers to accounts that are past the statute of limitations or have been outstanding for a long time. Debt collectors may still attempt to collect on old debt, sometimes called “zombie debt,” but you may not be legally required to pay if the debt is too old. It’s important to verify the age of the debt before making any payments.
Should I pay or settle my debt with Security Credit Systems?
Paying debts or settling with Security Credit Systems may not automatically remove the collection account from your credit report. If you negotiate a settlement or a pay for delete agreement, make sure to obtain a written guarantee before making any payment. This written guarantee can help ensure the agreed terms are honored and may improve your chances of having the negative entry removed.
Can Security Credit Systems 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.
