We Help Stop Bay Area Credit Service or BACS Collections Harassment

How To Put An End to Unwanted Calls and Debt Collector Abuse and Threats.

Updated on Author: Sergei Lemberg

Updated on Author: Sergei Lemberg

Bay Area Credit Service or BACS
Bay Area Credit Service or BACS is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.

What is Bay Area Credit Service?

Bay Area Credit Service is a third-party collection agency based in Georgia. BACS has received consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA), such as failing to verify debts and using false or misleading language in an effort to collect a debt. If BACS has contacted you about past due collection items,make sure you understand your rights before responding.

Have questions? Call us now at 475-277-1600 for a Free Case Evaluation.

Our services are absolutely FREE to you.

The harassing company pays our fees.

Is Bay Area Credit Service a scam?

They’re legit. According to the Better Business Bureau (BBB),  Bay Area Credit Service is a legitimate debt collection agency with operations across the U.S. Bay Area Credit Service describes itself as a “contact centre,” and along with chasing customers for collection of debt it also supplies auto-dial calling services (also called robocalling) for appointment scheduling and reminders.

BACS implements collections at all stages, from calling and writing customers before a debt has been charged off as noncollectable, all of the way to chasing consumers whose debt was offered to one of the numerous companies who purchase consumer debt for pennies  on the dollar.

Who are we? We are Lemberg Law, a Consumer Law Firm

Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today!  There is no charge unless we win.

How many complaints are there against Bay Area Credit Service?

As of April 2017, the Better Business Bureau reported 72 closed Bay Area Credit Service complaints over the previous few decades, including 15 closed BACS complaints over the past 12 months. The BBB provides Bay Area Credit Service a B evaluation. Additionally, Justia lists three BACS complaints filed in federal court in the past year alleging violations of the Fair Debt Collection Practices Act, and one alleging violations of the Fair Credit Reporting Act. Moreover, the Consumer Financial Protection Bureau (CFPB) lists 46 closed Bay Area Credit Service complaints for 2016.

Contact Information

Bay Area Credit Service
4145 Shackleford Road, Suite 330B
Norcross, GA 30093
Phone Number: 800-697-1234
Website: https://www.bayareacredit.com/home.htm

Can Bay Area Credit Service Sue Me or Garnish My Wages?

It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely BACS would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!

Get Free BBB A+ Attorney. Call 475-277-1600 NOW

Unlawful Debt Harassment? Learn the Law & Sue the Collector.

Can you help me file a No Fee Lawsuit against Bay Area Credit Service?

Absolutely.  You can sue a debt collector. Here is a Sample Case Filed in Federal Court 

In 2015, a judge in U.S. District Court, Northern District of California, denied in part and granted in part a customer’s motion to amend her class action complaint in Alvarado vs. HOVG d/b/a Bay Area Credit Service for alleged violations of the Fair Debt Collection Practices Act. According to the judge’s decision, the customer wanted to bring another alleged FDCPA violation to her complaint because, when Bay Area Credit Service was deposed, it was disclosed that a debt collector mentioned that the customer said she was going to speak to her attorney. Alvarado wanted to bring the allegation that Bay Area Credit Service violated the provision of the FDCPA that prohibits calling a consumer after being advised that they’re represented by counsel.

Bay Area Credit Service claimed that the motion should be denied since Alvarado understood what she told the debt collector before she ever filed the complaint, that the change was brought in bad faith, that the one-year statute of limitations had expired, and that the new claim could alter the character of the litigation. The judge disagreed, noting that individuals do not remember every statement made during telephone conversations, and that national rules state that an amendment to a pleading relates back to the date of the original pleading. The judge granted the customer’s motion to amend the complaint, but denied a motion to add AT&T Mobility as a suspect in the case.

Bay Area Credit Service Calling You?

Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).

Consumers have reported this agency harassing them from the following numbers:

  • 877-749-6907
  • 800-214-1722
  • 800-214-5291
  • 800-214- 6201
  • 800-214-6467
  • 800-221-2445
  • 800-221-4589
  • 800-235-5908
  • 800-236-0795
  • 800-267-5365
  • 800-443-1297
  • 866-882-7666
  • 866-471-9387
  • 866-853-0322
  • 800-454-2227
  • 866-358-5400
  • 800-697-1234
  • 800-862-4187
  • 866-399-4910
  • 813-713-9903
  • 678-229-5199
  • 352-344-8741

Can I sue BACS for harassment?

Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.

Stop Debt Collection Harassment

You may have a case, if…

  • You are receiving multiple calls per week from third party collection agencies.
  • You are receiving early morning or late night calls from debt collectors
  • You are receiving calls at work from a debt collection agency
  • Debt collectors are calling your family, friends, neighbors, or coworkers
  • Collectors are threatening you with violence, lawsuit, or arrest
  • A debt collector attempts to collect more than you owe
  • You are being threatened with negative credit reporting
  • A debt collector attempts to intimidate you
  • Criminal accusations are being made towards you
  • Use of obscene language during an attempt to collect
  • Automated robocalls are being made to your phone in an attempt to collect

What Our Clients are Saying

I didn’t understand that debt collection agencies may wind up paying your legal bill. What a surprise, to get free legal assistance. I am very thankful for all the hard work they did to finally give me my life back.”

“Lemberg Law contacted me within a couple of hours of me submitting my info on their site. That same day Daniel emailed me instructions on what to do the next time the collection agency called. Within a week, the calls had stopped. Today marks week 2 and we’ve not had a call in three days. I can’t say thank you enough.”

“Seriously! Thank you a thousand times over! The debt collector kept calling me but would not give me any information regarding the debt that I owed except the sum. They threatened me over and over again and would not stop calling. I hunted on Google for ways to make the calls stop and discovered Lemberg Law. They took my case and found that the debt was too old to accumulate. This firm had ‘bought’ my accounts and expected for me to pay! Guess what? They ended up paying me for each of the harassment they put me through! I was SHOCKED when I received my check. Lemberg Law, you ROCK!”

Can You Help Me Delete Bay Area Credit Service from My Credit Report?

Yes, we may be able to help. Contact us and we will explain what is next.

Share your story

Have you had a bad experience with this agency’s debt collectors? Sound off and share your experience with other visitors in the comment box below.

Sergei Lemberg

About the Author:

Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."

See more posts from Sergei Lemberg
  • Eddie

    Hey there Team.

    I’m receiving letters and calls from Bay Area Credit Services staying I have a debt of $3500. At this moment I’m filing many disputes because I believe my identity has been stolen. Now What is it that I can do on my behalf to fix this if I don’t even know what they are talking about?


    My family members and I have received calls from this so called company that goes by the name of Bay services. I have been receiving harassing calls repeatedly and messages left on my voicemail even after I blocked their number. This guy told me his name is Mr. Swartz made threatening comments to me repeatedly like i was gonna go to jail blah blah blah if I didnt verify my personal information with him. Yet he refused to inform me of what he was calling about who the debt was with, or even how much the debt was! Yet he called and talked to my mentally ill mother and told her all my business or whatever business he thinks he has with me. My aunt also received a call from the same person which he revealed information to her also but once she found out they were some sort of fraudalant company searching for my information she also blocked their number. I have CHF, chronic high blood pressure amongst many other ailments and I do not need unnecessary stress in my life, especially being harassed on a daily basis from a unprofessional agency I know nothing about

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