Southwest Credit Systems Complaints

Businessman Taking Money Out of Piggy Bank. Business Concept Cartoon Illustration.

Southwest Credit Systems is a debt collection agency active in Pennsylvania. It usually collects charged-off or delinquent debt for other companies. SWC can’t harass you, deceive you, or treat you unfairly. If it does, you may have a claim for damages.

If you think Southwest Credit Systems is violating your rights under the Fair Debt Collection Practices Act or other laws, please contact BCJ Law’s debt harassment attorney for help. You can call us at 1-800-997-5561 or complete our contact form.

Who is Southwest Credit Systems?

"More than half of consumers contacted about debt 'said these contacts included at least one debt ... in error.'"

CFPB Survey (2017).

Southwest Credit Systems is a debt collection agency headquartered in Carrollton, Texas. It does not own your debt. Instead, it is hired by other companies to collect debt on their behalf.

If you received a letter from SWC, or if Southwest Credit Systems keeps calling you, that probably means it has been hired to collect a debt from you. Southwest claims to manage billions of dollars of debt. It collects debt for large fortune 500 companies and also for smaller organizations.

Have consumers filed complaints about SWC?

Consumers have complained about Southwest Credit Systems. A federal complaint database currently displays over 1,760 complaints. Additionally, over 450 complaints have been filed with the Better Business Bureau (BBB).

If you have complaints about SWC’s debt collection practices, visit our debt collection harassment page to learn how we can help. You also can complete our contact form or call 1-800-997-5561

What are common complaints about Southwest Credit Systems harassment?

Debt collection agencies routinely violate the FDCPA. Here are common complaints of unlawful collection practices:

I. Complaints about calls.

  • Repeated, frequent, or persistent phone calls.
  • Contacting third parties, like family, friends, employers, or co-workers.
  • Phone calls at inconvenient times or places, like early in the morning, late at night, or at work.

II. Complaints about threats.

  • Threatening jail time or arrest.
  • Threatening damage to reputation or disclosure of private information.
  • Threatening wage garnishment, seizure of property, or the filing of lawsuits without authority.

III. Complaints about other conduct.

  • Reporting inaccurate information to credit reporting agencies.
  • Attempting to collect debt that's already paid or not owed at all.
  • Attempting to collect unlawful or unauthorized fees, charges, or costs.

Will SWC sue me if I don't pay money?

Southwest Credit Systems likely won’t initiate a lawsuit in its own name. That said, it is possible you’ll get sued by a debt buyer for a debt on which SWC is calling, or by a credit card company, finance company, or other lender if the debt at issue is a consumer loan.

If you get sued for a debt, BCJ Law can help win your case. To learn how we win, read our debt defense page. If you get sued by a debt buyer, read this post: What is a Debt Buyer? 

How should I respond if Southwest Credit Systems keeps calling me?

There’s no correct way to respond to Southwest Credit calls and letters. That said, if SWC keeps calling you, or if they keep sending letters, here are some tips for dealing with debt collection communications.

I. You can modify how SWC contacts you.

If you don’t want debt collection calls, you can tell Southwest Credit Systems to stop calling. You also can tell Southwest when and where it can contact you. To learn more, read our posts on how to deal with debt collectors and debt collection robocalls.

II. SWC must disclose your right to verify your debt.

Within 5 days of first contact, Southwest Credit Systems must disclose: your right to request debt verification; that verifications must be written; and that debts are assumed valid if a verification letter is not received within 30 days. To learn more, read our posts on how to deal with debt collectors and debt collection letters.

III. Keep a call log and any documents SWC sends you.

It’s good practice to document your interactions with any debt collection agency, including Southwest Credit Systems. For any calls you make or receive, keep a call log with dates, times, and the subject matter of each call. For any letters or emails, retain originals, or at least copies, so you can refer to them or review them with an attorney, if necessary.

What laws apply to Southwest Credit Systems?

There are many federal and Pennsylvania laws that give you legal rights when interacting with Southwest Credit. Here are some of them:

  • Fair Debt Collection Practices Act (FDCPA): This is a federal law that prohibits harassing, deceptive and unconscionable debt collection practices. It also gives you the right to request debt verification and modify how debt collectors contact you.
  • Fair Credit Extension Uniformity Act (FCEUA): This is a Pennsylvania law that prohibits many of the same practices the FDCPA makes unlawful.
  • Telephone Consumer Protection Act (TCPA): This is a federal law that prohibits debt collectors from making certain calls to cellphones without consent. It provides for $500 to $1500 per unlawful call.
  • Unfair Trade Practices and Consumer Protection Law (UTPCPL): This is a Pennsylvania law that prohibits fraud and deception.
  • Fair Credit Reporting Act (FCRA): This is a federal law that prohibits debt collectors from reporting inaccurate information to credit reporting agencies. The FCRA also limits how debt collectors can access and use your credit report.

If you think Southwest Credit Systems violated your rights under these laws, learn how we can help by visiting our debt collection harassment page. You also can complete our contact form or call us at 1-800-997-5561.

Southwest Credit Systems Harassing You? Hire BCJ Law to Help.

If you’re harassed by Southwest Credit Systems, please contact BCJ Law for help. You can get damages, attorneys fees, and costs of suit for unlawful conduct. Contact our debt collection attorney for a free case review today. Please complete our contact form or call 1-800-997-5561.

Recent Articles:

Share This Page!

Share on facebook
Share on twitter
Share on linkedin
Share on google
Share on print
Share on email