Who is Southwest Credit Systems and why are they calling me?

Southwest Credit Systems, L.P. is a legitimate debt collection agency serving clients in industries like telecommunications, utilities, tolls, and rental services. If they’re calling, they likely believe you owe a past‑due debt assigned to them.

Are the phone calls from Southwest Credit Systems legal or harassment?

While they are a licensed collector, consumers frequently report repeated or aggressive calls. Under laws like the FDCPA and TCPA, excessive calls or harassment are illegal and you have rights.

What if they call me multiple times a day?

Receiving multiple calls per day from the same agency can be considered harassment under federal law, especially if intended to annoy or pressure you.

Can Southwest Credit Systems legally use robocalls or spoofed numbers?

Some consumers report calls from suspicious or spoofed numbers. Unless you’ve consented to automated calls, using robocalls may violate federal law.

Can I request validation of the debt over the phone?

No – you must send a written request within 30 days of their first contact. Law requires that they provide verification in writing, not via phone.

How do I make Southwest Credit Systems stop calling me?

Send a written cease‑and‑desist or debt validation letter. If calls continue, file complaints with the CFPB, FTC or your state attorney general.

Is Southwest Credit Systems reporting to credit bureaus?

Yes, they can report collection accounts to credit reporting agencies, which can affect your credit score. Dispute inaccuracies with the credit bureaus if you believe the entry is wrong.

Can I sue Southwest Credit Systems for illegal calls or harassment?

Yes, under the FDCPA and TCPA you may be entitled to statutory damages, attorney fees, and actual damages if they violated your rights.

What are the most common consumer complaints about Southwest Credit Systems?

Frequent complaints include repeated or aggressive calls, failure to validate disputed debts, incorrect credit reporting, and collections on allegedly fraudulent or identity‑theft debts.

How should I document harassment calls from Southwest Credit Systems?

Log each call’s date, time, phone number and content. Take screenshots of caller ID. Keep all voicemails and messages. This documentation supports FDCPA claims.

Southwest Credit Systems Debt Collection Harassment?

Are debt collectors contacting your family, friends, or co-workers about debts you supposedly owe?
Is a debt collector demanding payment without providing proof that the debt is valid?
If so, we’ll take immediate action to stop the harassing calls!
You could be eligible for up to $1,000 in statutory damages.
Remember, you won’t be responsible for any legal fees.

Free Case Review, you will never be charged legal fees. We will respond within 15 minutes via text or email.

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Southwest Credit Systems Phone Harassment?

Is Southwest Credit Systems (SCS) calling you? Stop Southwest Credit Systems 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 SCS phone harassment. You can request in writing that Southwest Credit Systems stop contacting you, which is your legal right under the FDCPA.

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. If the harassment continues, you can file a complaint with regulatory agencies such as the FTC, CFPB, or your state attorney general’s office. To protect your rights, you should file a formal complaint if you believe Southwest Credit Systems has violated the law.

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.

Who is Southwest Credit Systems?

Southwest Credit Systems is third party debt collector located in Carrollton, Texas. As a legitimate debt collection agency, Southwest Credit Systems works on behalf of various companies to recover receivable accounts. Southwest Credit Systems collect a range of debts, including utility bills, loans, and other receivable accounts for their clients. They have been a party in cases in federal court over 430 times related to consumers credit and the collection thereof.

🏛️ Address: 4120 International Pkwy Ste 1100 Carrollton, TX 75007-1958

📞 Phone: (972) 300-1700

Southwest Credit Systems Collection Tactics

If you have been contacted by Southwest Credit Systems, it is important to verify the legitimacy of the debt before taking any action. If Southwest Credit Systems 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
➤ Trying to collect more than legally allowed
➤ Failing to notify you of your right to dispute the debt

It is important to remember that disputing any debt you believe is inaccurate or not yours is your right, and you should request that Southwest Credit Systems verify the debt before proceeding. Common errors, such as mistaken identity, can result in wrongful collection attempts, so always review your credit reports for such issues.

Southwest Credit Systems Phone Numbers

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

☎️ 972-300-1700
☎️ 800-637-7439
☎️ (972) 300-1700
☎️ (800) 637-7439
☎️ 9723001700
☎️ 8006377439
☎️ 267-507-9780
☎️ (617) 459-4484
☎️ 630-701-7859
☎️ (585) 270-6013
☎️ 857-313-3999
☎️ (857) 264-3241
☎️ 719-553-5935

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

Debt Validation: How to Protect Yourself

Dealing with Southwest Credit Systems or any debt collection agency can be stressful, but understanding your rights and the process of debt validation can make all the difference. Under the Fair Debt Collection Practices Act (FDCPA), you have the legal right to request validation of any debt a debt collector claims you owe. This is a crucial step in protecting yourself from unfair or inaccurate debt collection practices.

What is Debt Validation? Debt validation is your opportunity to ensure that any debt Southwest Credit Systems is trying to collect is legitimate and accurate. When you receive a collection notice or if Southwest Credit Systems is calling you, you can—and should—request a debt validation letter. This letter should include all the details about the alleged debt, such as the name of the original creditor, the amount owed, and the date the debt was incurred. Requesting this information in writing, preferably via certified mail, helps you keep a record of your communication and ensures the collection agency must provide proof before continuing collection efforts.

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.”

Common Questions

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.

Attorney Derek DePetrillo

Attorney Derek DePetrillo graduated from the Massachusetts School of Law in 2007 and was admitted to practice law in the State of Massachusetts in 2007. Mr. DePetrillo is also licensed in many federal jurisdictions across the United States.

Mr. DePetrillo has been assisting consumers with consumer protection since 2010. Mr. DePetrillo’s main area of practice is under the Fair Debt Collection Practices Act, the Telephone Consumer Protection Act, and the Fair Credit Reporting Act. Mr. DePetrillo has filed countless lawsuits and arbitration claims against debt collectors and banks. Mr. DePetrillo fights for the little people who have had their rights violated and need a helping hand to guide them through the stressful times of debt collection.