Who Is Calling 800-264-5654?
Calls from 800-264-5654 often come from North American Credit Services Inc., a debt collection agency. Federal law allows collection activity, but the Fair Debt Collection Practices Act (FDCPA) strictly controls how collectors operate. When those limits get violated, you can act and enforce your rights.
Important Rights You Have Under the FDCPA
The FDCPA sets firm boundaries on collection conduct. Watch for these violations:
- Calling at improper times or too frequently
- Collectors may contact you only between 8 a.m. and 9 p.m. and cannot flood your phone with repeated calls.
- Using harassment or intimidation
- Threats, abusive language, or aggressive tactics violate federal law.
- Failing to provide written validation
- Within five days of first contact, North American Credit Services Inc. must send written details of the debt.
- Contacting third parties about your debt
- Disclosure of your debt to others—outside limited exceptions—is prohibited.
- Making false or misleading statements
- Misrepresenting the amount owed or threatening legal action without intent to follow through breaks the law.
- Take Control of the Calls
How to Start Protecting Yourself Today
- Request validation
- Demand written proof to confirm the debt is accurate and enforceable.
- Document every interaction
- Record dates, times, frequency, and statements to build a strong record.
- Dispute or resolve the debt
- Send a written dispute if the debt is incorrect, or negotiate payment if it is valid.
- Stop further contact
- Send a cease-and-desist letter and require North American Credit Services Inc. to stop calling.
How to Take Action and Enforce Your Rights
FDCPA violations can entitle you to compensation, including statutory damages and attorney’s fees.
📞 Call Lemberg Law for a free, no-pressure consultation.
You pay nothing unless we win.
Ways You Might See This Number
800-264-5654
80026456541-800-264-5654800.264.5654800 264 5654(800) 264-5654800-264-5654
This could be a Debt Collector calling you.
800-264-5654
800-264-5654
Other Examples of Illegal Harassment
- Multiple calls per week or day
- Attempts to collect more than you owe
- Early morning or late night calls
- Calls to friends, neighbors, or coworkers
- Collection calls at work
- Use of obscene language
- Threats of violence, lawsuit, or arrest
- Attempts to intimidate you
- Use of obscene language
- Multiple calls from different phone numbers
Fight for Your Rights
The Law Protects You
The Fair Debt Collection Practices Act protects you from debt collector abuse. You can sue and recover up to $1,000.
Our Experience
We make it easy to exercise your rights. We’ll sue the debt collector on your behalf – at no upfront cost to you.
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