Who Is Southwest Credit Systems? Why Are They Calling Me?

By US Debt Compass Editorial TeamUpdated 2026-08-09
CFPB complaints on record for Southwest Credit Systems
225

Most commonly for attempts to collect debt not owed

View full complaint lookup for Southwest Credit Systems →

Contact Southwest Credit Systems

Address to send a debt validation letter
Southwest Credit Systems, L.P. (SWC Group) 4120 International Pkwy, Suite 1100 Carrollton, TX 75007
Phone
1-800-637-7439

As of 2026-08-07 — verify before mailing anything important, since collectors do change addresses.

Southwest Credit Systems, now doing business as SWC Group, is a Carrollton, Texas-based third-party debt collector that works accounts for cable, telecom, utility, and property-management companies as an agent — collecting on behalf of the original creditor rather than buying debt outright. If Southwest Credit Systems is contacting you, send a written validation request in writing to confirm the amount is accurate before paying.

Yes, repeatedly. Southwest Credit Systems has been named in a series of proposed federal class actions alleging violations of the FDCPA, including suits filed in 2016 and 2017 alleging the company sent consumers contradictory collection notices, attempted to charge collection fees not authorized by the original creditor agreement (one case cited an unauthorized $52.73 fee), and used letter language that ran afoul of the Act’s disclosure requirements. If Southwest Credit Systems’ letter or bill includes a fee beyond the amount your original creditor billed you, that’s worth flagging in a written dispute — the FDCPA generally bars collectors from adding charges the underlying contract or state law doesn’t allow.

Questions & Answers

Is Southwest Credit Systems a legitimate debt collector?

Southwest Credit Systems shows up in the CFPB consumer complaint database, which tracks real complaints filed against real companies — so it is a legitimate, registered entity, not a scam name. That doesn't mean every call claiming to be from them is real; scammers impersonate real collectors. Verify what they're collecting before paying anything — see what to do the first time a collector contacts you.

— US Debt Compass Editorial Team

How do I stop Southwest Credit Systems from calling me?

Under the FDCPA, you can send Southwest Credit Systems a written cease-and-desist letter and they must stop contacting you except to confirm they've received it or to notify you of specific legal action. This doesn't erase the debt — it only stops the calls. See the cease-and-desist letter glossary entry for how to send one.

— US Debt Compass Editorial Team

How do I dispute a debt with Southwest Credit Systems?

Send a written debt validation request to Southwest Credit Systems's dispute address within 30 days of first contact — they must then verify the debt before continuing collection. See the contact details above for the current mailing address.

— US Debt Compass Editorial Team

Is Southwest Credit Systems on my credit report?

If Southwest Credit Systems is collecting on an account, it can appear on your credit report as a collection tradeline, separate from the original creditor's listing. Check your credit report directly to confirm, and see the credit report dispute guide if anything about the listing looks wrong.

— US Debt Compass Editorial Team

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