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Bay Area Credit Service

Bay Area Credit Service LLC is a debt collection agency in Antioch, California, but they claim a nationwide network of call centers and do collections in all states and overseas. In business since 1963, Bay Area Credit Service has more than 800 employees. Bay Area Credit Service does third-party collection, but is also a debt buyer. This means that they purchase portfolios of charged-off debt for pennies on the dollar and then try and collect it.

Bay Area Credit Service Complaints

Bay Area Credit Services complaints are many and varied. As of March 2013, the Better Business Bureau gave Bay Area Credit Service LLC an F rating and lists 163 Bay Area Credit Service complaints closed in the past three years, with 63 closed in the past 12 months. Nearly all of the Bay Area Credit Services complaints have to do with billing and collection issues. In 30 percent of the cases, Bay Area Credit Service collection agency hadn’t responded to the BBB complaint.

But the BBB rating is just the tip of the iceberg with Bay Area Credit Service. A quick Internet search turns up a half dozen Bay Area Credit Service lawsuits filed in 2012 for alleged violations of the Fair Debt Collection Practices Act.

Stop Debt Collector Harassment

Debt collection agencies that are experienced at defending themselves against FDCPA lawsuits count on consumer ignorance. If you’re being harassed by a debt collector, it’s important for you to follow FDCPA procedures.

When you are contacted by a debt collector, do not offer any information or agree to any payment arrangements over the telephone, especially on a first contact. The FDCPA requires that the debt collection agency provide you with a written notice within five days of contacting you. Tell the collection agent that you will not discuss this claim until you have seen validation of the debt in writing. The company may not contact you again until you receive and have had a chance to review the claim.

The debt validation notice they send you must specify the name of the original creditor, the amount of the original bill and the amount of any fees that have been added to the original bill. Unless the original agreement allowed the debt to accumulate interest, a debt collector is not allowed to collect any interest on the debt. If they attempt to do so, they may be in violation of the FDCPA and you can sue them.

If you have been receiving harassing, excessive or continuous telephone calls from a debt collector, it’s important that you document the specifics of the calls. Keep a notebook by the telephone and write down the date, time and telephone number of every telephone call you believe comes from a debt collector, and summarize the conversation. Keep any voicemail or telephone messages that you receive from the agency, and note any instances when the collector engaged in behavior that may have been harassing. If your state allows it, record your telephone contacts with the debt collection agency.

Finally, if you believe that you have been harassed by a debt collector, contact a consumer attorney who can help you file suit against the company. If your suit is successful, the judge can order the company to pay you up to $1,000 plus legal fees. More importantly, it will send a strong message to the debt collection industry that they must adhere to the Fair Debt Collection Practices Act.

Bay Area Credit Service Contact Information

Bay Area Credit Service
1901 W. 10th Street
Antioch, CA 94509

Bay Area Credit Service Phone Number: 866-222-2097


4 thoughts on “Bay Area Credit Service
  1. these people are calling everyday 24/7 trying to contact someone i have never heard of. don’t know how they got my number because it don’t relate to me or this number. leave messages on my answer machine say if you are not this person don’t play this message. i pay for my phone and service and i am sick of these people wasting my time. i am a care giver and it cause issues with my caring for this person. called the 800 number and it says can’t reach this number from your area. which is fl.

  2. According to the internet, all my att bills are paid in full. The debt people said that att sent my bill of 32.00 to them. Then the debtors wont tell me what it’s for and they transfer me; it’s all foreigners. I get the run around. They wanted to know how I was paying it, by debit card…so I think they are liars and want my money.

  3. I called att and I did owe that much so hope they are legitimate; I learned my lesson; just hope they are not scammers

  4. They call daily. Finally called them back and was told I owed $270 for an AT&T account that I never opened. Called AT&T and was told there was no account activity in my name or under my social security number. These people are scammers. I have contacted the FBI and AT&T Fraud Services. Do not give them money.

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If you have been the victim of harassment or illegal or unfair debt collection practices, Lemberg & Associates will discuss your options with you and protect your rights. For more information, contact Lemberg & Associates today at .

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"The FDCPA is a consumer protection statute and was intended to permit, even encourage, attorneys like Lemberg to act as private attorney generals to pursue FDCPA claims."

U.S. Ninth Circuit Court of Appeals, Evon v. Law Offices of Sidney Mickell
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