How to beat Southwest Credit Group
Dena Standley | July 27, 2022
Defend yourself against debt collectors.
Summary: Is Southwest Credit Group suing you for a debt? SoloSuit can help you take a stand and win in court.
A phone call from a debt collector can be terrifying and frustrating. Collectors use aggressive means to get consumers to settle a debt they may not even know about. They may also use illegal tactics to compel them to respond without verifying the debt. Southwest Credit Systems (SWC Group) is no exception. SWC Group is a Texas-based third-party debt collection agency that manages billions of dollars in receivable accounts in the following industries:
- Property management
- Highway tolls
If you have a pending debt in these sectors, expect to receive a call from SWC Group. The first step in dealing with them is to know your rights under the Fair Debt Collection Practices Act (FDCPA), which protects you from illegal debt collection practices. You will recognize when they violate the law, and you can use the violation to beat them in court.
Consumers often wonder if SWC Group is a legitimate collection agency and are sometimes unsure of how to handle a call or email from them. Let's look at these concerns and discuss the dos and don'ts of dealing with SWC Group.
Is SWC Group legitimate?
Yes, SWC Group, formerly known as Southwest Credit Systems, is a legitimate debt collection agency based in Carrollton, Texas. It was founded in 1974 and has over 200 employees. SWC Group has been Better Business Bureau accredited since 1976 with a current BBB rating of B. Their BBB profile displays over 600 complaints with a customer review star rating of 1.07. Additionally, they have a Google star review rating of 1.4 from 295 customer reviews.
Customer complaints raised in these platforms include harassment by the debt collectors, wrong debt amount quoted, unfair debt entry to their credit report, and failure to validate debt on request.
If you've experienced abusive or manipulative treatment from SWC Group, you can report them on the Fair Trade Commission's website or contact your attorney general's office. Here's their contact information:
Physical Address: 4120 International Pkwy Ste 1100 Carrollton, TX 75007-1958
Phone Number: (972) 300-1700
What to do when SWC Group contacts you
SWC Group debt collectors may contact you by calling multiple times, sending many emails, or leaving voicemail messages. They use these methods several times, and if you ignore them, they may enter your debt in your credit report or file a lawsuit against you. It is in your best interest to respond to them by doing the following:
- Ask them to put everything in writing: A debt collector will try using the simplest method to collect a debt—calling and asking you to make payments immediately. They expect you to agree to the debt figures they give you without questioning its legitimacy. To avoid being scammed, ask SWC Group to send the debt information via email or certified mail and make it clear that you will not continue with the collecting process on the phone.
- Record the call: Record the conversation if the debt collector insists on following up the debt via phone. Thirty-five states allow you to record a phone conversation without telling the caller, but the other 15 states require you to tell them you are recording the conversation. Find out where your state lies and abide by the law. A fake debt collector will stop their attempts to collect once you tell them you are recording, while a legitimate SWC Group collector will respect your wishes and send the information in writing.
- Request for debt validation: Once you have a rough idea of the debt SWC Group is following up on, request them to validate the debt. You make this request by sending a Debt Validation Letter within 14–30 days after SWC Group first contacts you. The letter should request them to give you the details of the original creditor, a breakdown of the debt in question, and a statement allowing you to dispute the debt if you still doubt its validity. A significant number of debt collectors stop their collection attempts at this stage if they do not have all the information. This scenario may be the case for you with SWC Group.
- Dispute the debt with the credit bureaus: Carefully go through the debt validation notice and highlight all the errors you encounter. Afterward, dispute the debt with TransUnion, Experian, and Equifax credit bureaus (if SWC Group entered the debt in your credit report). Depending on their findings, these bureaus will investigate with SWC Group within 30 days and remove or correct the debt.
Once you follow the above steps and have confirmed you owe the debt, make plans to negotiate with SWC Group and start making payments. Clearing your debt will help to improve your credit score and prevent SWC Group from suing you.
What not to do when SWC Group contacts you
Consumers who do not know their rights under the FDCPA react blindly to a call by debt collectors. They respond in a way that permanently destroys their chances of fighting for fairness in a debt collection process. Do not respond to SWC Group debt collectors in the following ways:
- Do not give a debt collector your personal information: If the debt is legitimate, SWC Group should already have all the information they need to collect.
- Do not admit to the debt: Even if you are familiar with it, do not openly admit to owning the debt until SWC Group sends the information in writing and you validate the debt. Admitting to a debt reduces your negotiating chances in court.
- Do not agree to make a 'good faith' payment until you have signed a settlement agreement with a payment plan and the exact amount you need to pay.
- Do not lose your temper, or you will say things that can be used against you in court. You may also give out crucial information to solidify the SWC Group case against you.
Dealing with SWC Group debt collectors can be challenging if you do not know how to respond and what documents to send. SoloSuit's software simplifies the process by providing you with the documents you need to beat SWC in court or get them off your back before they file a lawsuit. Use our Debt Validation Letter to ask SWC Group to clarify the debt and file our Answer with the courts if SWC Group sues you.
What is SoloSuit?
SoloSuit makes it easy to respond to a debt collection lawsuit.
How it works: SoloSuit is a step-by-step web-app that asks you all the necessary questions to complete your answer. Upon completion, you can either print the completed forms and mail in the hard copies to the courts or you can pay SoloSuit to file it for you and to have an attorney review the document.
Respond with SoloSuit
"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James
We have answers.
Join our community of over 40,000 people.
You can ask your questions on the SoloSuit forum and the community will help you out. Whether you need help now or are just looking for support, we're here for you.
Ask a Question
>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate
>>Read the NPR story on SoloSuit: A Student Solution To Give Utah Debtors A Fighting Chance
How to answer a summons for debt collection in your state
Here's a list of guides for other states.
All 50 states.
Utah; File a Motion to Satisfy Judgment
Guides on how to beat every debt collector
Being sued by a different debt collector? Were making guides on how to beat each one.
Win against credit card companies
Is your credit card company suing you? Learn how you can beat each one.
Going to Court for Credit Card Debt — Key Tips
How to Negotiate Credit Card Debts
How to Settle a Credit Card Debt Lawsuit — Ultimate Guide
Get answers to these FAQs
Need more info on statutes of limitations? Read our 50-state guide.
Why do debt collectors block their phone numbers?
How long do debt collectors take to respond to debt validation letters?
What are the biggest debt collector companies in the US?
Is Zombie Debt Still a Problem in 2019?
If a car is repossessed, do I still owe the debt?
Is Portfolio Recovery Associates Legit?
Is There a Judgment Against Me Without my Knowledge?
Should I File Bankruptcy Before or After a Judgment?
What is a default judgment?— What do I do?
Summoned to Court for Medical Bills — What Do I Do?
What Happens If Someone Sues You and You Have No Money?
What Happens If You Never Answer Debt Collectors?
What Happens When a Debt Is Sold to a Collection Agency
What is a Stipulated Judgment?
What is the Deadline for a Defendants Answer to Avoid a Default Judgment?
Can a Judgement Creditor Take my Car?
Can I Settle a Debt After Being Served?
Can I Stop Wage Garnishment?
Can You Appeal a Default Judgement?
Do I Need a Debt Collection Defense Attorney?
Do I Need a Payday Loans Lawyer?
Do student loans go away after 7 years? — Student Loan Debt Guide
Am I Responsible for My Spouses Medical Debt?
Should I Marry Someone With Debt?
Can a Debt Collector Leave a Voicemail?
How Does Debt Assignment Work?
What Happens If a Defendant Does Not Pay a Judgment?
How Does Debt Assignment Work?
Can You Serve Someone with a Collections Lawsuit at Their Work?
What Is a Warrant in Debt?
How Many Times Can a Judgment be Renewed in Oklahoma?
Can an Eviction Be Reversed?
Does Debt Consolidation Have Risks?
What Happens If You Avoid Getting Served Court Papers?
Does Student Debt Die With You?
Can Debt Collectors Call You at Work in Texas?
How Much Do You Have to Be in Debt to File for Chapter 7?
What Is the Statute of Limitations on Debt in Washington?
How Long Does a Judgment Last?
Can Private Disability Payments Be Garnished?
Can Debt Collectors Call From Local Numbers?
Does the Fair Credit Reporting Act Work in Florida?
The Truth: Should You Never Pay a Debt Collection Agency?
Should You Communicate with a Debt Collector in Writing or by Telephone?
Do I Need a Debt Negotiator?
What Happens After a Motion for Default Is Filed?
Can a Process Server Leave a Summons Taped to My Door?
Learn More With These Additional Resources:
Need help managing your finances? Check out these resources.
How to Make a Debt Validation Letter - The Ultimate Guide
How to Make a Motion to Compel Arbitration Without an Attorney
How to Stop Wage Garnishment — Everything You Need to Know
How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)
Defending Yourself in Court Against a Debt Collector
Tips on you can to file an FDCPA lawsuit against a debt collection agency
Advice on how to answer a summons for debt collection.
Effective strategies for how to get back on track after a debt lawsuit
New Hampshire Statute of Limitations on Debt
Sample Cease and Desist Letter Against Debt Collectors
The Ultimate Guide to Responding to a Debt Collection Lawsuit in Utah
West Virginia Statute of Limitations on Debt
What debt collectors cannot do — FDCPA explained
Defending Yourself in Court Against Debt Collector
How to Liquidate Debt
Arkansas Statute of Limitations on Debt
Youre Drowning in Debt — Heres How to Swim
Help! Im Being Sued by My Debt Collector
How to Make a Motion to Vacate Judgment
How to Answer Summons for Debt Collection in Vermont
North Dakota Statute of Limitations on Debt
ClearPoint Debt Management Review
Indiana Statute of Limitations on Debt
Oregon Eviction Laws - What They Say
CuraDebt Debt Settlement Review
How to Write a Re-Aging Debt Letter
How to Appear in Court by Phone
How to Use the Doctrine of Unclean Hands
Debt Consolidation in Eugene, Oregon
Summoned to Court for Medical Bills? What to Do Next
How to Make a Debt Settlement Agreement
Received a 3-Day Eviction Notice? Heres What to Do
How to Answer a Lawsuit for Debt Collection
Tips for Leaving the Country With Unpaid Credit Card Debt
Kansas Statute of Limitations on Debt Collection
How to File in Small Claims Court in Iowa
How to File a Civil Answer in Kings County Supreme Court
Roseland Associates Debt Consolidation Review
How to Stop a Garnishment
Debt Eraser Review
Do Debt Collectors Ever Give Up?
Can They Garnish Your Wages for Credit Card Debt?
How Often Do Credit Card Companies Sue for Non-Payment?
How Long Does a Judgement Last?
How Long Before a Creditor Can Garnish Wages?
How to Beat a Bill Collector in Court