North American Credit Services (NACS) is a third-party collection agency based in Tennessee. NACS has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), such as failing to provide written verification of debts and threatening to take actions that cannot legally be taken. If North American Credit Services has contacted you about delinquent collection items, make sure you understand your rights before taking action.
The harassing company pays our fees.
They’re legit. According to the Better Business Bureau (BBB), North American Credit Services was founded in 1981. The BBB established a profile page for NACS in 1983. The BBB lists North American Credit Services as a collection agency. Buzzfile estimates North American Credit Services’ annual revenue at $17.1 million and the size of its headquarters staff at 61 employees.
North American Credit Services focuses primarily on collecting healthcare debts. Based in Chattanooga, Tennessee, the company is also known as Receivables Management and Billing, Managed Medical Services, and Physicians Billing. NACS alludes to constantly reviewing their programs and methods to ensure that they provide the most motivation for consumers to pay. North American Credit Services determines the most effective way to collect from a patient and then decides whether to mail letters, send statements, or call consumers
As of December 2020, the Better Business Bureau reported 9 closed North American Credit Services complaints within the previous three years, including 2 closed North American Credit Services complaints within the previous 12 months. The BBB gives North American Credit Services an A+ rating. In addition, Justia lists three North American Credit Services complaints filed in federal court in the past year alleging violations of the Fair Debt Collection Practices Act, one alleging violations of the Fair Credit Reporting Act, and one alleging violations of the Telephone Consumer Protection Act. Furthermore, the Consumer Financial Protection Bureau (CFPB) lists 26 closed NACS complaints for 2016.
North American Credit Services
2810 Walker Road
Chattanooga, TN 37421
North American Credit Services Phone Number: 800-844-5654
Website: http://nacscom.com
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.
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely NACS 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!
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:
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.
You may have a case, if…
“I have had experiences before with legal teams and I can say without a doubt that Lemberg Law has certainly earned their reputation the old fashioned way…being relentless in representing their client’s best interest.”
”After talking to one of the associates, and going over the plan of action, I immediately felt I had chose the right firm to go to work for me. He was very accommodating in explaining what was going to happen. I would highly recommend Lemberg Law to anyone being hassled by debt collectors.”
“Just a short message to let you know I received my settlement and to thank you for your assistance. I would not hesitate to recommend you to anyone who is on the receiving end of the type of harassment which collection agencies engage in.”
The short answer is yes. We can help. Call us today.
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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."
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