Skip to content

SWR Credit Card Collections

Credit cards are incredibly useful. They allow consumers to build their credit, make large purchases with small payments, and low-interest and zero-interest credit cards with balance transfer options allow people to reduce some of their other credit card debts over long periods of time. A lot of credit card companies even offer fantastic perks like cash back, purchase rewards, and it’s of course a great safety net in case you ever run into unexpected expenses. 

However, there’s also a dark side to credit. Sometimes, people sign up for a credit card without fully understanding the ramifications. Young people especially fall into this trap. Soon, they may have a huge balance that they believe they’ll never be able to pay off. At this point, they may stop paying and dodge any collection efforts. An experienced recovery agency like Southwest Recovery Services can better educate them and work out an agreeable solution to paying off their debt. 

Credit Card Debt Recovery Challenges

Credit card debt recovery may be difficult for the original creditor to achieve. This may be for a number of reasons. First, people who are relocating don’t typically make an effort to inform those they owe money to about the change or provide current contact information. In fact, they’ll likely avoid it. It’s also possible that credit card companies don’t currently have the staff, resources, or time to collect on outstanding balances due to the surge of high credit card balances during times of financial hardship and economic uncertainty. 

Eventually, credit card companies must turn to a recovery agency to collect on outstanding debts. Credit card debts may pass through many hands. Debt purchasers may buy accounts from the original creditor, and try to collect on the debt themselves. This process may repeat itself many times over if no one is able to collect the debt. This strategy makes the original creditor lose out on funds, and may be an unnecessarily difficult process for cardholders. 

Debt Recovery Solutions

SWR is different from other collection agencies. Like some other credit card collection agencies, we use excellent technology and have many years of experience. However, we also have outstanding tracking software to find people who are trying to outrun their debt. We also use an empathetic approach to recovering outstanding balances, which has proven to be quite effective. We work with cardholders to set up a plan so they can pay off their debt with less stress. 

Southwest Recovery 

There’s no reason for credit card companies to sell off accounts for mere pennies on the dollar. Southwest Recovery Services is a contingency debt collection agency. That means we only take a small percentage of the dollar amount after we collect it. Our ethical and sympathetic manner to recovering debt has proven very efficient in the past. Not only will we be able to save you money, but we’ll create a positive experience for the cardholder. Then, they’ll be able to make payments and pay down their account, and you won’t lose a valued customer that may just be experiencing a temporary setback. 

Payment Processing

  • Online Payment Terms and Conditions

    Welcome to the Southwest Recovery Services LLC payment processing site. Please read and agree to the following online payment terms and conditions, website Terms of Service, and Refund Policy prior to agreeing and completing your online payment.

    *** NOTICE ***

    This is an attempt to collect a debt and any information obtained will be used for that purpose. This communication is from a debt collector. If you have any questions or would like to talk to a live Collections Specialist, please call us at (866) 558-3328 during standard business hours: Monday thru Friday 8am-6pm CST. You can also mail your payment directly to Southwest Recovery Services LLC, 16200 Addison Road Suite 260, AddisonTX 75001.

    Credit Card Transaction

    By submitting payment information through this Service you agree to the terms and conditions of this Agreement and any documents incorporated by reference. You further agree that this User Agreement forms a legally binding contract between you and Southwest Recovery Services Inc. and that this Agreement constitutes "a writing signed by You" under any applicable law or regulation. Any rights not expressly granted herein are reserved by Southwest Recovery Services Inc.. By clicking on the "I Agree" button and by clicking on the “click here to pay by credit card” button, you are accepting these terms and the stated fees for using this service.

    IMPORTANT:  Please make sure that you have correctly inputted your account number and creditor’s name in the payment form. This information can be found on your bill. For assistance, please contact us at (866) 558-3328. 

    This site provides a secure payment portal for making online payments. Please ensure that you are paying the correct party and that you have a valid account number received from us.

    If you do not know your account number, please do not make a payment through this web site at this time. Instead, please Contact Us to obtain your account number before returning to make the payment. Without the account number we cannot credit your account with the payment you make on this site, which would result in a significant delay in processing of your payment.

    • This is a web site of a collection agency.
    • This is an attempt to collect a debt.
    • Any information obtained will be used for that purpose.

    Question? Contact Us:

Make A Payment