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.
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!
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:
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.
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.
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About the Author:
Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. He has been repeatedly recognized as the “most active consumer attorney” in the country. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.