Southwest Collectors Association
Southwest Collectors Association
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The Southwest Collectors Association Consumer Hotline

1-800-957-DEBT (3328)

The Consumer Hotline is a service of the Southwest Collectors Association offered to the general public, government and municipal agencies, businesses and association members who have questions or complaints regarding collection techniques, state and federal laws governing the industry and consumer's rights. This service is one of Southwest Collectors Association's programs designed to enhance the overall professionalism, regulatory compliance and business ethics of the collection industry, reinforcing our association's commitment to improving the image of the industry with the general public and government regulators. The information provided on this site does not in any manner represent legal advice or a legal opinion. You should contact your own attorney if you believe more information is needed relevant to your questions.

ACA International

Hotline Service & Complaint Form
Requests for Information or Assistance. Responses are designed to provide practical advice and techniques to get a problem or issue quickly resolved.

Complaint Processing. Complaints are recorded and analyzed as to whether the company is a third-party collection agency who is a member of Southwest Collectors Association. A link to a complaint form is below.

Complaints against member agencies are referred to the agency in an effort to resolve legitimate problems or disputes to the satisfaction of the complainant.

Information on alternative resources is offered when the complaint involves a non-member agency, a creditor or credit reporting agencies.

Click here for the Consumer Complaint Form (PDF)


Important Notice
Although we wish to be of assistance, we can only process complaints involving third-party debt collection agencies. Problems or issues with creditors contacting consumers directly or with credit reporting agencies are not within the scope of this service.


Southwest Collectors Association

For more information on SWCA, please contact Tom Morgan, our Executive Director

   512.458.8666  Phone