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North American Credit Services NCAS
North American Credit Services or NACS 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.

December 27, 2020

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What is North American Credit Services?

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.

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 North American Credit Services a scam?

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.

Who does North American Credit Services collect for?

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

How many Complaints are there against North American Credit Services?

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.

Contact Information

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.

Can North American Credit Services 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 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!

North American Credit Services 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:

  • 800-264-5654
  • 800-467-5654

Can I sue NACS 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.

Want to Stop Debt Collection Harassment Now?

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 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.”

Can You Help Me Delete North American Credit Services from My Credit Report?

The short answer is yes. We can help. Call us today.

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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.

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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.

See more posts from Sergei Lemberg
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