North American Credit Services: Who They Are and Your Rights

Type

Collection agency

Also known as

North American Credit Services, Inc.; NACS

Headquarters

Chattanooga, TN

Collects

medical and hospital bills

Phone numbers it lists

(800) 467-5654

Website

nacscom.com

80 debt collection complaints were sent to the Consumer Financial Protection Bureau about North American Credit Services from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.

Who Is North American Credit Services?

North American Credit Services, Inc., often shortened to NACS, is a collection agency at 2810 Walker Road in Chattanooga, Tennessee (mailing address P.O. Box 182221, Chattanooga, TN 37422). Its consumer services line is (800) 467-5654. The company's About page credits its founder, Dallas S. Bunton, Sr., who died in July 2019, and says the business is now led by the Bunton family. The BBB lists an incorporation date of November 1979 and a start date of 1981.

NACS says it has served clients for four decades, handles about 2.5 million consumers a year, and serves more than 400 clients annually. It describes its corporate philosophy as rooted in Christian values.

Why North American Credit Services May Be Contacting You

NACS presents itself as a healthcare collections agency. Its homepage refers to its team having "mastered the science of healthcare collections," and its About page describes its growth in "a competitive healthcare market." In practice, that means a NACS letter most likely concerns a balance from a hospital, physician group or other provider. The provider's name should be on the notice. The company does not publish a client list.

How to Check a Debt North American Credit Services Says You Owe

Medical balances are often wrong because of insurance timing, so check before you pay.

• Review the validation notice. NACS must name the creditor, itemize what's owed and give you a dispute deadline (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
• Dispute in writing before that deadline if anything is unclear. That obliges NACS to pause and verify.
• Pull your explanation of benefits from your health insurer and compare it with the date of service and amount.
• Ask about financial assistance. Many nonprofit hospitals have charity-care policies that can reduce or erase a bill even after it's in collection.
• Request an itemized bill. A licensed Texas health care facility may not pursue collection until it has sent one (SB 490).
• Mind the limitations period. In Texas it is generally four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers can't sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Tennessee and other states set their own periods.

See also whether you can be sued over medical bills in Texas.

What North American Credit Services Can and Can't Do

A third-party agency collecting consumer medical bills is a "debt collector" under 15 U.S.C. § 1692a(6). For NACS, the FDCPA and Regulation F mean it:

• May not use false or misleading statements about what you owe (15 U.S.C. § 1692e).
• May not discuss your medical account with third parties beyond limited location requests (15 U.S.C. §§ 1692b, 1692c(b)).
• Must report the debt as disputed if it reports to the credit bureaus after you dispute (15 U.S.C. § 1692e(8)).
• Is limited by the Reg F presumption of seven calls in seven days per debt (12 C.F.R. § 1006.14(b)(2)).

Paid medical collections and those under $500 no longer appear on credit reports (details). We did not find a CFPB enforcement action against North American Credit Services.

We Sue Debt Collectors That Break the FDCPA

Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If North American Credit Services or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.

Free FDCPA Case Review(214) 851-2250

Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.

Sources

• North American Credit Services: home page
• North American Credit Services: About us
• North American Credit Services: Contact us
• BBB business profile: North American Credit Services (business facts only)
• CFPB enforcement actions (full list reviewed)
• CFPB Consumer Complaint Database: North American Credit Services, debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that North American Credit Services has violated any law. Company details change; tell us if something here is out of date.