Bay Area Credit Service

Debt collectors like Bay Area Credit Service cannot harass you over a debt. You have rights under the law. We will stop the harassment once and for all.


If violated the law, you will get money damages and will pay our fees and costs. You will not pay us a penny for our time. Plus, some of our clients also receive debt relief and cleaned up credit reports. You have nothing to lose! Call us today at 888-572-0176 for a free consultation.

Who is Bay Area Credit Service?

is a third-party collection agency, headquartered in Norcross, GA. was founded in 1963. According to ’s website, focuses on collection accounts for commercial, medical and consumer debt. They are a national provider of insourced and outsourced financial recovery services. operates nationwide.

Bay Area Credit Service’s Address, Phone Number, and Contact Information

is located at 4145 Shackleford Road, Suite 330B, Norcross, GA 30093. The main telephone number for is 678-229-5010. This is just one of many contact numbers for .’s website is ’s e-mail address is [email protected]

Phone Numbers Used By Bay Area Credit Service

likely has dozens, if not over 100, phone numbers it calls from. Here are a few phone numbers may be calling you from:

Bay Area Credit Service Lawsuits

If you want to know just how unhappy consumers are with Bay Area Credit Service, take a look at the number of lawsuits filed against on the Public Access to Court Electronic Records (“PACER”). PACER is the federal docket throughout the country that lists federal complaints filed against Bay Area Credit Service. When you do a search for , there are over 40 lawsuits filed against . Most of these lawsuits involve consumer rights’ violations.

Bay Area Credit Service Harassment

The Fair Debt Collection Practices Act (“FDCPA”) is a federal law that applies to everyone in the United States. In other words, everyone is protected under the FDCPA. The FDCPA is a laundry list of what can and cannot do while collecting a debt, as well as things debt collectors must do while collecting a debt. If is harassing you over a debt, you have rights under the Fair Debt Collection Practices Act.

The Telephone Consumer Protection Act (“TCPA”) protects you from robocalls. Robocalls are those annoying, automated, recorded calls that a computer makes to you all day long. You can tell it’s a robocall because either no one is on the other end of the line or there’s a delay when you pick up the phone before a live person comes on the line. You can get $500 per call if violates the TCPA. Have you received a message from that sounds pre-recorded? Or, maybe the message you received from is cutoff at the beginning or the end? These are tell-tale signs that the message is pre-recorded. If you have these messages on your cell phone, you may have a TCPA case against Bay Area Credit Service.

The Electronic Fund Transfer Act (“EFTA”) protects electronic payments that are deducted from bank accounts. If took unauthorized deductions from your bank account, you may have an EFTA claim. , like most collection agencies, wants to set up reoccurring payments from consumers. Imagine how much money gets if hundreds, if not thousands, of consumers electronically pay them $50-$100, or more, per month. If you agreed to this type of reoccurring payment, must follow certain steps to comply with the EFTA. Did continue to take electronic payments after you said stop? Did take more money from your checking account than you agreed to? If so, let’s talk about your rights under the EFTA.

The Fair Credit Reporting Act (“FCRA”) works to ensure that no information reported to your credit report is false. In essence, it gives you the right to dispute those inaccuracies that you find on your credit report. likely reports on credit reports to obtain greater leverage over the consumer. If is on your credit report, they may tell you if you pay the debt, they’ll remove it from your credit report. This is commonly known as pay for delete. You pay Bay Area Credit Service, and they delete the debt from your credit report. Even if is not on your credit report, maybe the original creditor is. If you pay off the debt to Bay Area Credit Service, then the original creditor, and , should accurately report this on your credit report.

Several states also have laws that provide its citizens an additional layer of protection. For example, if you live in California, Texas, Florida, North Carolina, Wisconsin, Michigan, Montana, or Pennsylvania you may be able to tack on a state-law claim with your federal law claim above. North Carolina, for example, has one of the most consumer-friendly statutes in the country. If you live in NC, and you’re harassed over a debt, you may get $500.00 - $4,000.00 in damages per violation. We work with a local counsel in NC. Our NC clients have received some great results in debt collection harassment cases. If you live in NC, and is harassing you, you have tons of leverage to get a great settlement.


We will use state and federal laws to immediately stop debt collection. We will send a cease and desist letter to get the harassment to stop the same day. If Bay Area Credit Serviceviolates the FDCPA, EFTA, FCRA, or any state laws, you may be entitled to money damages. For example, under the FDCPA, you can get up $1,000.00 in damages plus actual damages. The FDCPA has a fee-shift provision. This means, pays our attorney’s fees and costs. If you have a TCPA case against , we will handle it based on a contingency fee.


We have helped hundreds of consumers stop phone calls from . We know how to stop the harassment and get you money damages. ONCE AGAIN, you will not pay us a penny for our time. We will help you based on a fee-shift provision and/or based on a contingency fee. That means, pays our attorney’s fees and costs.

What If Bay Area Credit Service Is On My Credit Report?

Based on our experience, may credit report. That means, may mark your credit report with the debt they are trying to collect on. In addition to , the original creditor may be on your credit report. For example, if you owe Comenity Bank on an elastic line of credit, and is collecting on it, both Comenity Bank and may have separate entries on your credit report. This is important because you will want both parties to update your credit report if you pay off the debt.


If is on your credit report, we can help you dispute it. Mistakes on your credit report can be very costly. Along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Somemistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or maybe you were a victim of identity theft. If you have a mistake on your credit report, there is a process to dispute them. My office will help you pull your credit report and dispute any inaccurate information.


If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (“FCRA”), you may be entitled to statutory damages up to $1,000.00, plus the credit reporting agency will be required to fix the error. The FCRA also has a fee-shift provision. This means, the credit reporting agency pays your attorney’s fees and costs. Therefore, you will not pay me a penny for my time. We have helped dozens of consumers fix inaccurate information on their credit reports.

Complaints against Bay Area Credit Service

If you’re on this page, chances are you are just like the hundreds of consumers out there being harassed by Bay Area Credit Service. The complaints on the Better Business Bureau (“BBB”), various consumer websites, including on Pissed Consumer, and even the complaints on this page (below) are endless. is accredited by the BBB. The BBB gives a “B” rating. Despite its “B” rating, there are nearly 60 customer complaints on the BBB.Here are some of the many BBB complaints regarding :

  1. “Received collection threat in mail about false medical bill. The threat for collections or damaging credit is based off of a claim for medical services at a location I have never been to.”
  2. “This debt collection agency should be stripped of all rights to operate. They are trying to collect debts that are not valid and are using private hospital information as well as information from google searches to contact people. They claim they have a bill from an ambulance company that they acquired and are actively collecting the debt but they didn’t have any of my information available.”
  3. “I have received a debt collections notice from , regarding a debt that I do not know to be valid and cannot get validation.”

Although there are only two reviews on Google, they are just as bad. One reviews give only 1 star. Here’s a snippet of the reviews on Google:

  1. “These people collected a payment from my husband that had actually already been payed by his lawyer for medical bills due to an accident and now my husband is in a huge dispute trying to get the money they unlawfully claimed from him, we have heard every lie these people they can think of and not one apology and still no refund, this company disgusts us.”

Cases We Have Handled Against


Threats and harassment by collection agencies can be pretty intimidating. Well, it turns out we can stop the harassment, attempt to get you money damages under the law, and the collection agency will have to pay us our fees and costs. Here are some of the cases we’ve handled against :

  1. Eric v. Bay Area Credit Service. In this case, was reporting negatively and inaccurately to our client’s credit report. On or around December 7, 2016 our client sent a letter to Bay Area Credit informing them of this inaccuracy on his credit report. The original debt came from an ambulance bill. After about 30 days, our client still had Bay Area Credit listed on his credit report. Our client provided evidence to Bay Area Credit that this was not a debt he owed or that should be listed on his credit report. s failed to properly notify the 3 credit reporting agencies that this debt was inaccurate in violation of the Fair Credit Reporting Act.
  2. Tabitha v. Bay Area Credit Service. Tabitha lives in Pennsylvania, and s was attempting to collect on a medical bill from our client. s called our client on her cell phone. s called from 800-445-4715, 800-277-0874, 866-739-05252 and 866-353-7383, all of which are s’ phone numbers. In or around July 2015, our client’s husband spoke with one of s’ collectors. s demanded payment from our client or he would put the account in their next level of collections. Relying on Bay Area’s threats, our client’s husband made a payment to Bay Area’s collector and requested that s stop calling his wife. Despite our client’s request, Bay Area Credit continued to make collection calls to our client. s violated both the Telephone Consumer Protection Act and Fair Debt Collection Practices Act but continuing to place collection calls to our client’s cell phone after being asked to stop.

Here’s What Our Clients Say About Us

Agruss Law Firm, LLC, has over 900 outstanding client reviews through Yotpo, an A+ BBB rating, and over 120 five-star reviews on Google. Here’s what some of our clients have to say about us.

“Agruss Law Firm handled my case with professionalism and efficiency. Jackie Laino and Pooja Dosi were very competent and I trusted them every step of the way. I will recommend Agruss Law Firm to friends and family. Keep up the great work.”

“I had a very good experience with the Argus law firm. When I called them the very first time, they were excellent at explaining the entire process to me. They advised me on what I should do, and kept me well informed with the progressed they were making.”

“I had the best help from all the people at Agruss Law Firm LLC. They were all so kind andanswered all my question and stopped the harassment calls i was getting. They are very well staffed and kind firm. If you need help use them you will be glad you did.”

Can Bay Area Credit Service Sue You?

Although anyone can sue anyone for any reason, we have never seen s sue consumers. It’s likely s does not sue because they do not always own the debt they are collecting on. Also, s would have to hire a lawyer, or use in-house counsel, to file a lawsuit. It’s likely s collects debts through the entire country. Therefore, it would be very difficult to have lawyers, or a law firm, licensed in every state. There are collection agencies that do sue consumers. For example, Midland Credit Management is one of the largest junk-debt buyers. Midland Credit Management collects on debt and also sues on debt. The opposite is true with s. Therefore, it would be very unusual if s sued you. The original creditor, on the other hand, may hire a collection firm, or lawyer, to sue you. If s has threatened to sue you, call us. We can help.

Can Bay Area Credit Service Garnish Your Wages?

No, not unless they have a judgment. If s has not sued you, then s cannot get a judgment. If s does not have a judgment, then s cannot garnish your wages. Minus limited situations (usually dealing with debts owed to the government for student loans, taxes, etc.), in order to garnish someone’s wages, you need a judgment first. In short, we have not seen s file a lawsuit against a consumer. So, s cannot garnish your wages, minus the exceptions listed above. If s has threatened to garnish your wages, contact our office right away.

Bay Area Credit Service Settlement

If you want to settle a debt with s, ask yourself these questions first:

  1. Do I really owe this debt?
  2. Is this debt within the statute of limitations?
  3. Is this debt on my credit report?
  4. If I pay this debt, will s remove it from my credit report?
  5. If I pay this debt, will the original creditor remove it from my credit report?
  6. If I pay this debt, will I get something in writing from s confirming the payment and settlement terms?

These are not the only things to consider when dealing with debt collectors. We are here to help you answer the questions above, and much more. Whether it’s harassment, settlement, pay for delete, or any other legal issue with s, the folks at Agruss Law Firm are here to help you.

Share Your Complaints About Bay Area Credit Service Below

Post your complaints about Bay Area Credit Service. Sharing your complaints about s will help other consumers know what to do when s starts calling. Sharing your experience may help someone else.


If you are being harassed by s over a debt, you may be entitled to money damages. Get up to $1,000 for harassment, and $500-$1,500 for illegal robocalls. Under various state and federal laws, we will help you based on a fee-shift provision and/or based on a contingency fee. That means, the collector pays your attorney’s fees and costs. You won’t pay us a penny. We have settled thousands of debt collection harassment cases. Let us help you today. Contact Agruss Law Firm at 888-572-0176 to stop the harassment once and for all.

We are listening.

Submitted Comments

My name is Mike. I don't know where to start but here goes. My wife and I were in an accident in las vegas about 3 years ago. I cant recall the exact year unfortunately. Pretty sure i am correct though. We had insurance coverage through American express, a minor accident but that is not the story. About a month ago, I started getting phone calls from bay are credit service saying she owed about 350 dollars that has been outstanding since the accident. First i had heard about it, i will not answer their calls anymore. They phone every day!

OMG!! I googled the name from my credit reportšŸ˜µ and was going to call them to find out more of who they were representing because i had not heard of them. STOP BAY AREA CREDIT showed and i read ur information. I'm also getting calls daily from different numbers that can't be blockedšŸ˜¤and they are showing on my credit report where it hurt me trying to buy a new home. This is total harassment!!! HELP!!! I WANT IT TO STOP AND OFF MY CREDIT!!!!!

i just got a call from dynamic recovery solutions and looked it up and it brought me here. the person that contacted me took at least 1min to respond when i answered then put me on hold after she had my last 4 a bogus account amount and also asked when i get paid and what my email is. i dont know what to do cause i thought it was legit but i googled it and they are saying it is a scam!

constant harassment from debt collectors ,c. ever since I had to get a phone in my name, I ave been plagued by debt collectors looking for the wrong people. I think this Bay Area Credit Service wants to play hard ball because I really made another debt collector mad today and it may be related somehow!

I have been harassed by this credit service for over a year. They call my home number for a person who does not live here and they have threatened me on the phone accusing me of lying. My name is not Sanchez and I have asked them to quit calling. Can you sue these people for harassment?

Since June 30th, 2015 I have received 55 phone calls from Bay Area Credit. I do not answer these calls anymore and have blocked the many numbers that they use to harass me. Today I answered the phone as it was a new number. He wanted my debit card number for me to pay a $10.00 debt. I told this man who was foreign that I would write a check. He blew his top and threatened me because I would not give him my card number as well as calling me a f***ing slut before he hung up.

They have call continously to my husband work phone. It's ridiculous how many times. They have called harassing me him so many times that it could in danger his life. If he is digging a hole and phone is going off he is thinking it's an emergency or work he answers and he ground can cave in on him. Its ridiculous!!! I'm tired of this, want it stopped.

Thank you for your website post regarding Bay Area Credit Service. It's good when consumers, like yourself, share their stories so others do not become victims of debt collection harassment, too. I am familiar with Bay Area Credit Service, and I've helped several consumers harassed by them. If you are interested in discussing your rights under the law, please call me at 888-572-0176. It would be great to help you. Thanks, Mike.

They have been calling me daily for about 2 weeks now. I answered once only to have them hang up on me. I do not owe any money or have any debts. I did, however, cancel my directv service. Although I left my account in good standing I believe it could be another one of their ways to harass customers they are displeased with.

They withdrew money from my checking with out my permission. Had to get my bank involved to have money returned to my account.

These people have been calling for months looking for people I don't know know whereabouts of, or purpose of their call. I have never talked to a person. Only computer calls. Would like to stop this nuisance.