Important Disclaimer

The information on this page is provided for consumer awareness only and does not constitute legal, financial, or credit advice.
It should not be interpreted as a demand for payment or an admission of liability by any party.

BACS complies with and practices all applicable federal and state laws and guidelines, including:

  • Fair Debt Collection Practices Act (FDCPA)
  • Consumer Financial Protection Bureau (CFPB) Regulations
  • Federal Trade Commission (FTC) Guidelines
  • FCRA – Fair Credit Reporting Act
  • TCPA – Telephone Consumer Protection Act
  • Relevant State Consumer Protection Laws
  • Requesting written verification of any account before making payment
  • Asking for correction of inaccurate or incomplete information
  • Choosing how and when you wish to communicate with us
  • Being treated with courtesy, honesty, and respect at all times
  • Filing a dispute if you believe the debt is not owned, has previously been paid or placed in error or for any other reason.
  • When you request written verification of the debt, or the name and address of the original creditor, or you send a written dispute by mail or email, Bay Area Credit Service must cease collection efforts while we investigate. We may not restart collections until we have provided the requested documentation or a written explanation of the results of our investigation.

BACS upholds these rights fully and consistently. If you ever have questions about your rights or our process, our experts are here to help — feel free to reach out anytime.

Why BACS May Contact You

You may have heard from BACS because an account linked to your name was placed, assigned, or sold to us by a financial institution, lender, healthcare provider, or service company. This is a standard and lawful process in the receivables industry that ensures communication and resolution are handled accurately.

Common Reasons You Might Hear from Us:

If any of this feels unclear, you’re welcome to contact our experts — we’ll walk you through the process and clarify everything for you.

Account Assignment

Your original creditor may have authorized BACS to manage communication, verification, or repayment options on their behalf.

Account Purchase

In some cases, creditors sell inactive or past-due accounts to licensed, accredited agencies like BACS. BACS then becomes the authorized servicer for communication and resolution.

How to Verify or Review an Account with BACS

Our goal is to make the process simple, transparent, and secure. You can reach us through:

Online: Submit a request through our Account Review Portal at BACS.com

Phone: Speak directly with a BACS Consumer Support Specialist at 855-469-0432.

Email: Write to consumerresponse@bayareacredit.com, attaching any documents or details you’d like us to review.

Mail: Bay Area Credit Service
4868 GA Hwy 85
Suite 202B
Forest Park, GA 30297

Once we receive your request, we will:

  • Pause all account activity while we review
  • Conduct an internal verification process in compliance with all laws
  • Provide a written outcome or confirmation

This process does not affect your rights in any way. It simply ensures the record is accurate and fair. And if you’d like help understanding any step, our experts are always available to guide you personally.

Our Commitment to You

  • We will not use pressure, threats, or misleading language.
  • We will communicate only during lawful hours and through your preferred channel.
  • We will honor written requests immediately.
  • We will verify any questioned account before taking next steps.
  • We will work with you respectfully to find fair and reasonable solutions.

BACS exists to help people move forward — not to make things harder. You’ll always find our team professional, courteous, and ready to assist.

If you need clarification or guidance, please contact our experts — we’re here to make this easier for you.

Frequently Asked Questions

What if I don’t recognize the debt?

You can ask for more information from our credit specialists or request a review through our online portal, by phone, email, or mail. We’ll pause any account activity while we verify the details and confirm the information. Our experts are happy to guide you through this process to ensure clarity and accuracy.

Yes, we can. Our team can assist you in setting up a payment arrangement that supports timely resolution of your account while keeping the process manageable for you.

All discussions are handled confidentially and with professionalism — our goal is to help you bring the matter to a close smoothly and responsible.

If you’d like to explore your options confidentially, our team is ready to help you plan the best approach.

We understand that financial hardship can happen. Our BACS Specialists can discuss temporary arrangements or partial settlements confidentially and without judgment. Our goal is to help you move toward resolution at a pace that fits your situation.

Reach out to our experts — they’ll walk you through realistic options that protect your peace of mind.

If you’ve already made payment to the original creditor, please share your proof or confirmation details. We’ll verify it and update or close the account accordingly.

Our specialists can help you confirm the payment record and ensure everything is correctly documented.

Compliance & Accreditation

BACS fully complies with all applicable federal and state laws governing debt collection and consumer protection, including the Fair Debt Collection Practices Act (FDCPA) and related regulations. We maintain active industry accreditations and follow recognized best practices to ensure every consumer interaction is lawful, respectful, and transparent.

Memberships:

  • Receivables Management Association International (RMAI)
  • ACA International (American Collectors Association)

Operating in: 49 U.S. states (excluding Connecticut)

Compliance Contact: compliancedepartment@bayareacredit.com

This page is for informational purposes only. It should not be considered legal advice, financial counseling, or a collection demand. Consumers are encouraged to seek independent legal or financial advice for individual concerns.

And remember — if you ever feel unsure, you’re always welcome to contact our experts for clear, professional guidance.