Contacted by Bay AreaCredit Service
We’re here to make sure this message is really from us. Quick. Safe. Clear.
Over 5 million Americans have trusted us with their financial challenges. We know it can feel stressful. Here’s the difference: We don’t push. We guide.
We reached out to help you explore your options. Take control. Rebuild your credit. Move forward at your own pace. We support you every step of the way.
Security & Compliance
Helping Millions of Americans Settle Debt and Rebuild Confidence for 30+ Years
For more than three decades, Bay Area Credit Service (BACS) has helped millions of Americans resolve debt, improve credit, and regain financial control — because we believe it’s never just about clearing debt, it’s about reclaiming your peace of mind and your future. With empathy, integrity, and full regulatory compliance, we ensure every interaction is fair, secure, and respectful.
Our certifications and governance include:
- FDCPA & CFPB compliance
- HIPAA-certified operations for healthcare accounts
- SOC 2 Type II–certified data security
- State-licensed collection operations across the U.S.
Trusted by leading organizations across healthcare, finance, retail, utilities, and legal services, BACS turns financial recovery into renewed confidence — one story at a time.
Support You Can Count On
A respectful, secure, and straightforward way to resolve your account.
Clear and Respectful Communication
We explain who we are, why we contacted you, and the amount owed—always with respect.
Expert Guidance You Can Trust
Get straight answers and support without pressure or confusion.
Flexible, Secure Payment Options
Choose the payment plan that fits your budget with safe, private transactions.
Compliance and Consumer Protection
Your rights and data are protected under FDCPA at every step.
Take a Step Forward, Today
You don’t have to face this alone. Verify, pay, or get help anytime:
