Southwest Credit Systems Debt Collection Harassment?

Let Consumer Rights Law Firm fight for your rights now

You could receive up to $1,000 in statutory damages

There are absolutely no fees charged to you, and you will never pay a penny out of your own pocket.

Table of Contents

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. 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 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.

Southwest Credit Systems Better Business Bureau

Who is Southwest Credit Systems?

Southwest Credit Systems is third party debt collector located in Carrollton, Texas. 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 is often referred to or searched for by other names. These include:

southwest credit systems, sw credit systems, sw credit systems l.p., southwest credit collections, southwest credit systems, l.p., swcpayonline, southwest credit system, sw credit systems inc, southwest credit collection agency, sw credit collections, sw credit, southwest credit systems comcast, www swcpayonline com, sw crdt sys, sw credit systems lp, southwest credit systems lp, southwest credit collection, southwest credit systems complaints, southwest credit systems collection agency, what is southwest credit systems, southwest credit solutions, southwest credit systems phone number, southwest credit services, credit sys, southwest credit syste, southwest credit systems inc collection agency, swcredit, swcpayonline.com, south west credit systems, swc group, www.swcpayonline.com, swcpayonline com, southwest credit systems lp phone number, southwest credit agency, south west credit, sw collections, sw credit systems phone number, sw credit system inc, southwest credit carrollton tx, southwest collection agency, southwest credit systems at&t, southwest credit systems pay for delete, south west credit system, sw credit sys, sw credit systems comcast, southwest collections agency, sw credit systems inc phone number, sw credit services, southwest collections, swc carrollton tx, southwest credit systems contact, 4120 international parkway carrollton tx, swc pay online, southwest credits, comcast credit and collections phone number, southwest credit systems comcast, eos cca att, southwest auto collection, sw credit sys, southwest credit systems, sw credit system inc, southwest credit systems complaints, credit coll phone number, southwest credit systems at&t, crdt first on credit report, southwest collection, sw credit systems inc phone number, comcast debt collector, at&t mobility collections, southwest credit systems lp phone number, credit coll on credit report, sw credit systems comcast, southwest credit systems phone number, swcredit union, comcast credit and collections, sw credit collections, southwest loan company, sw credit systems phone number, south west credit system, southwest credit carrollton tx, windstream collections, credit karma complaints 2015, credit collection company, at&t store near me phone number, southwestern d debit, swc phone number, what does swc mean in texting, what is southwest credit systems, southwest credit systems collection agency, what is swc, southwest credit systems contact, credit solutions corpus Christi, credit coll collection agency, comcast collections department hours, southwest credit syste, southwest systems, sw credit systems lp, comcast credit report, credit collections co, southwest credit systems, l.p.

Southwest Credit Systems Collection Tactics

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
  • Failing to notify you of your right to dispute the debt
  • Trying to collect more than legally allowed

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 a different number, 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!

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.

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

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.

The following is a sample list of complaints filed against Southwest Credit Systems in the past and can be found on Pacer.org.

1:07-cv-00689-TAB-DFH Zavodnik v. Southwest Credit Systems

1:12-cv-11933-DPW Timmons v. Southwest Credit Systems

1:12-cv-11936-JLT Nunez v. Southwest Credit Systems

3:14-cv-30058-MGM Karle v. Southwest Credit Systems

1:17-cv-10583-MLW Billingslea v. Southwest Credit Systems

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.

Consumer Rights Law Firm 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 at www.consumerlawfirmcenter.com

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:


Texas Attorney General

Consumer Finance

Southwest Credit Systems
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.