Bay Area Credit Services Phone Harassment?
Is Bay Area Credit Services (BACS) calling you? Stop Bay Area 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? Bay Area Credit Services may have called you or contacted you via mail as part of their collection efforts. 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 BACS phone and mail harassment, including the right to stop calling. 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. These rights are protected by laws that require compliance from debt collectors.
Is Bay Area Credit Services a Scam?
According to the Better Business Bureau website, Bay Area Credit Services has been in business for 10 years. There have been 69 complaints filed against BACS with the BBB. Complaints and legal issues with Bay Area Credit Services have been reported for decades, highlighting a long history of regulatory scrutiny and consumer dissatisfaction.
Bay Area Credit Services has helped thousands of clients deal with similar issues.
Who is Bay Area Credit Services?
Bay Area Credit Service is a debt collection agency with corporate headquarters located in Norcross, Georgia. The Company offers services from early-age collections to post charge-off collections including bankruptcy, deceased, and legal processing, as well as provides electronic collection and letter services. Bay Area Credit Service serves customers in the United States. As a debt collection agency, Bay Area Credit Service is responsible for collecting unpaid debts from consumers. BACS often works on behalf of creditors or purchases debt from the original creditor, pursuing debts that have been written off or sold. As of November of 2018, Bay Area Credit Services had 54 complaints field against them on the Better Business Bureau site.
Address: 4145 Shackleford Rd STE 330
Norcross, GA 30093-3541
Phone: (866-773-9877
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Bay Area Credit Services Collection Tactics
If Bay Area Credit Services engages in any of the following tactics as part of their effort to collect debts, 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 (making false statements or fraudulent claims can be a violation of the law)
- Calling repeatedly for the wrong person
- Failing to notify you of your right to dispute the debt
- Trying to collect more than legally allowed
If you believe BACS has made a fraudulent statement or you have a claim under the FDCPA, you should seek legal advice.
Bay Area Credit Services Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
866-773-9877, 800-862-4187, 877-337-2747, 800-454-2227, 678-229-5010, 770-441-0606, 877-749-6907, 800-214-5291, 866-515-3445, 800-213-6459, 866-279-7681, 800-399-2019, 800-210-5417, 800-277-0874, (866) 773-9877, (800) 862-4187, (877) 337-2747, (800) 454-2227, (678) 229-5010, (770) 441-0606, (877) 749-6907, (800) 214-5291, (866) 515-3445, (800) 213-6459, (866) 279-7681, (800) 399-2019, (800) 210-5417, (800) 277-0874, 8667739877, 8008624187, 8773372747, 8004542227, 6782295010, 7704410606, 8777496907, 8002145291, 8665153445, 8002136459, 8662797681, 8003992019, 8002105417, 8002770874, 866-515-3445, 800-399-2019, 800-214-5291, 877-749-6907, 800-213-6459, 800-214-5291,
If the answer is yes, then you are receiving calls from a known BACS number. You may be a victim of BACS phone harassment. The list above is not all the numbers that BACS uses. The calls can be from a different number, and it still be Bay Area Credit Services calling you. Be sure to keep a note of all calls and communications from BACS for your records, as this can be important for verifying details and protecting your rights.
Contact our office right away so we can start the process to stop BACS from calling you illegally. Above all, no one should live with harassment!
Credit Report Implications
When Bay Area Credit Service, a third-party collection agency, reports a collection account to the credit reporting agencies, it can have a significant impact on your credit report. A collection entry from Bay Area Credit can lower your credit score, making it more difficult to qualify for loans, credit cards, or even rental agreements. The Fair Credit Reporting Act (FCRA) sets strict guidelines for how collection agencies like Bay Area Credit Service can report debts to credit reporting agencies. As a consumer, you have the right to review your credit reports for any errors or inaccuracies related to Bay Area Credit Service collections. If you notice an account or information that doesn’t belong to you, or if the details of the debt are incorrect, you can submit a dispute directly to the credit reporting agency. The agency is then required to investigate and correct or remove any inaccurate information. Staying proactive about your credit report and understanding your rights under the FCRA can help protect your financial reputation and ability to access credit in the future.
Consumer Rights and Protection
Dealing with Bay Area Credit Service can be stressful, but it’s important to remember that you have strong consumer rights under both the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). The FDCPA prohibits debt collectors from using abusive, deceptive, or unfair tactics—such as making threats, using harassing language, or contacting you at unreasonable hours. The FCRA, meanwhile, ensures that credit reporting agencies and collection agencies like Bay Area Credit Service handle your credit information fairly and accurately. If you believe Bay Area Credit Service has violated your rights, you can file a complaint with the Business Bureau or seek help from a law firm experienced in consumer protection. Many disputes with area credit service can be resolved through direct communication, negotiation, or mediation, but don’t hesitate to escalate the matter if your consumer rights are not being respected.
Resolving Debts and Disputes
If you’re contacted by Bay Area Credit Service about a debt, it’s important to know your options for resolving the situation. Before you pay anything, verify that the alleged debt is valid and that the amount is correct. If you decide to pay, consider negotiating a settlement or a payment plan that works for your budget. Always get any agreement in writing to protect yourself and ensure the terms are clear. If you believe the debt is not yours or the information is inaccurate, you have the right to dispute the account with both Bay Area Credit Service and the credit reporting agency. Sending a written dispute can help you correct your credit report and avoid paying for debts you don’t owe. If you’re unsure how to proceed, a credit service or law firm specializing in debt collection can provide valuable assistance and guidance throughout the process.
Lawsuits and Legal Action
In some cases, Bay Area Credit Service may pursue legal action to collect a debt, but this is usually a last resort. If you receive notice of a lawsuit from area credit service, it’s crucial to seek advice from a law firm that understands debt collection and consumer rights. Legal professionals can help you respond appropriately, protect your interests, and even identify if Bay Area Credit Service has violated your rights under the FDCPA or FCRA. In certain situations, consumers have successfully counter-sued for unlawful collection practices. Don’t ignore legal notices—taking prompt action is the best way to safeguard your rights and resolve the matter on favorable terms.
Free Resources and Support
You don’t have to face Bay Area Credit Service alone. There are many free resources and support services available to help you deal with debt collection issues. The Business Bureau (BBB) offers reviews and complaint information about Bay Area Credit Service, giving you insight into the company’s practices. Non-profit credit counseling agencies can provide free or low-cost advice on managing debts and improving your credit report. Many law firms, including those specializing in consumer protection, offer free consultations or legal assistance to consumers dealing with harassment or unfair practices from collection agencies. Don’t hesitate to reach out for help—thousands of consumers have been helped by these resources and have successfully resolved their disputes with Bay Area Credit Service.
Common Questions
Is BACS a scam? No, Bay Area Credit Services has been in business for 10 years.
Can Bay Area Credit Services garnish my wages? Yes, BACS can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts. If the debt is paid or settled, the status of the account should be updated accordingly.
Can BACS sue me? Yes, BACS can sue you so long as the debt is within the statute of limitations.
Can BACS report my debt to the collection’s bureaus? Yes, debt collectors are allowed to place collection accounts on your credit report. The status, balance, and date of the reported account can impact your credit score. It is important to review the documents related to the debt to determine if the account is valid and if the reported information is accurate.
Can BACS 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 Bay Area Credit Services in the past year and can be found on Pacer.org. Please note that statements made in legal complaints or court documents can affect the outcome of a claim.
1:18-cv-09216-LGS Daskalakis v. HOVG, LLC d/b/a Bay Area Credit Services
2:18-cv-03013-WB GUZMAN v. HOVG, LLC et al
1:18-cv-00530-TWP-DML HACK v. BAY AREA CREDIT SERVICES, LLC et al
3:16-cv-04128-MAS-LHG BENDER v. HOVG, LLC et al
8:16-cv-01290-VMC-TGW Walker v. Bay Area Credit Service, LLC
About Us
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 Bay Area Credit Services harassment. While some consumers attempt to use goodwill letters to remove collection accounts, we focus on legal strategies that are more effective with agencies like Bay Area Credit Services. 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 Bay Area Credit Services call us at 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!!”
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