Got Harassing Calls From Southwest? Be Aware!
Are Southwest Credit Systems (SCS) calls stressing you out? Are they calling repeatedly, at odd hours, or threatening legal action? Such behavior may violate federal law, and you have the right to make it stop.
As of 2026, federal law still protects you against illegal debt collection practices, including harassment and deception. If your rights are violated, you may be entitled to up to $1,000 in statutory damages plus attorney fees. To protect your rights, you should file a formal complaint if you believe Southwest Credit Systems has violated the law but lets first know more about them.
What’s Happening With SCS Calls in 2026?
Many consumers report:
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Calls before 8 a.m. or after 9 p.m.
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Voicemails demanding payment without proof
These actions can violate the Fair Debt Collection Practices Act (FDCPA), which still prohibits harassment and abuse in 2026. Debt collection is one of the top categories for complaints to the FTC.
Who Is Southwest Credit Systems?
Southwest Credit Systems is a third‑party debt collection agency headquartered in Carrollton, Texas.
| Company Detail | Information |
|---|---|
| Location | 4120 International Pkwy Ste 1100 Carrollton, TX 75007-1958 |
| Years in Business | ~45+ |
| Business Type | Accounts receivable & debt collections |
| Known Responsibilities | Collects on behalf of creditors for utilities, loans, services |
| Consumer Complaints | Frequent, including accuracy and communication issues (BBB) |
Legitimate company ≠ lawful behavior. Even real debt collectors can violate consumer rights.
Is Southwest Credit Systems a Scam?
According to the Better Business Bureau website, Southwest Credit Systems has been in business for 45 years. There have been 434 complaints filed against SCS with the BBB. The company’s average rating on the BBB reflects a range of consumer experiences, with many reviewers expressing dissatisfaction. While some consumers report negative experiences with Southwest Credit Systems, this does not necessarily mean the company is a scam. Read more here: Southwest Credit Systems Better Business Bureau.
Southwest Credit Systems Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
- 972-300-1700
(972) 300-1700
9723001700 - 800-637-7439
- (800) 637-7439
- 8006377439
- 267-507-9780
- (617) 459-4484
- 630-701-7859
- (585) 270-6013
- 857-313-3999
- (857) 264-3241
- 719-553-5935
Common Complaints About SCS (Real Consumer Feedback)
Recent BBB consumer reviews (2024–2025) report:
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Accounts placed on credit reports with no prior notice
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Debt claims consumers say they never owed
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Difficulty getting responses to validation requests
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Calls continuing even after disputes were submitted
Many reviewers have indicated frustration with communication and error resolution.
Steps for Protection Against Southwest Credit Systems
| Right / Action | What It Means |
|---|---|
| Validate the Debt | Ask SCS for written proof, including original creditor info |
| Dispute Within 30 Days | Challenge any debt you think is inaccurate |
| Limit Contact | Request mail‑only communication if preferred |
| Stop Calls | Send a cease‑and‑desist letter under FDCPA |
| Document Everything | Log dates, times, messages, and actions |
| Check Credit Reports | Review Equifax, Experian, TransUnion for SCS entries |
| Seek Legal Help | A consumer rights attorney can help enforce your rights |
Complaints Filed Against Southwest Credit Systems
The following is a sample list of complaints filed against Southwest Credit Systems in the past and can be found on Pacer.gov.
- 📋 1:07-cv-00689-TAB-DFH Zavodnik v.
- 📋 1:12-cv-11933-DPW Timmons v.
- 📋 1:12-cv-11936-JLT Nunez v.
- 📋 3:14-cv-30058-MGM Karle v.
- 📋 1:17-cv-10583-MLW Billingslea v.
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 Southwest Credit Systems 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 Southwest Credit Systems. call us at 877-700-5790 for immediate assistance or visit our website.
Success Stories
- 🏆 “I was getting nonstop calls from a collection agency that wouldn’t identify themselves and kept demanding payment for a debt I didn’t even recognize. It felt like harassment, and I didn’t know what to do until I found Consumer Rights Law Firm PLLC. They were incredibly professional and kind, and they reassured me that I wasn’t alone. They gathered all the evidence, handled everything, and made the whole process easy for me. The calls stopped within a couple of weeks, and I was finally able to relax again. Truly grateful for their help!”
- 🏆 “I was hesitant to involve lawyers, but Consumer Rights Law Firm PLLC completely changed my perspective. I had been dealing with repeated robocalls and threatening voicemails from a debt collector for months. It was causing me serious anxiety. The firm took my case with no upfront cost, kept me updated the entire time, and made me feel like my case actually mattered. They ended up holding the collector accountable and got me a financial settlement, too. I can’t thank them enough for restoring my peace of mind.”
- 🏆 “After weeks of being harassed by calls to my cell and even to my job, I finally reached out to Consumer Rights Law Firm PLLC. I wish I had called them sooner. They were honest, knowledgeable, and incredibly fast in handling my case. They explained all my rights under the FDCPA and walked me through the entire process. What impressed me most was how easy they made everything — no confusing legal jargon, no pressure, just real help. Thanks to them, I don’t dread answering my phone anymore.”
FAQs
Is SCS a scam?
No, Southwest Credit Systems has been in business for 45 years.
Can Southwest Credit Systems garnish my wages?
Yes, SCS can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts. Wage garnishment can also occur for unpaid loans that have been sent to collections.
Can SCS sue me?
Yes, SCS can sue you so long as the debt is within the statute of limitations. It is important to respond before the court date to protect your rights and avoid a default judgment. If you owe money to Southwest Credit Systems, there are legal and financial consequences, so you should take steps to resolve the debt. If you are unable to pay, consider seeking legal advice or negotiating a settlement to resolve the debt.
Can SCS report my debt to the collection bureaus?
Yes, debt collectors are allowed to place the collection account on your credit report.
Can SCS 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.
Can SCS call me if I never received a letter?
Yes, they can call. But they must send a written debt notice within days of first contact, including validation rights and creditor info. If they don’t, request it immediately in writing.
Are text messages from SCS legitimate?
Yes, but treat texts like any other communication and verify debt validation before acting. Some scams mimic SCS numbers or texts claiming debt. If in doubt, confirm with credit reports and written communication first.
What if SCS added false information to my credit report?
You can dispute with credit bureaus and file complaints with the FTC, and state attorney general. Document errors and submit written disputes with proof.
