Southwest Credit Card Services is one of the oldest, largest, and most experienced private buyers of delinquent debt. To date we have bought well over a billion dollars in distressed debt.

SWCC was formed by a small group of debt collection professionals over ten years ago when we first purchased a Visa portfolio of more than $4 million of delinquent accounts.

Since then we have seen many new debt buyers come in with a bang and disappear a very short time later. We have succeeded where others have failed because of consistent growth, common sense acquisitions, and our "Kinder-Gentler" approach to the debtors of the accounts we have bought. We typically buy portfolios in the $4,000,000 to $200,000,000 range. The larger portfolios allow us to have plenty of accounts to manage during those periods when the newest inexperienced buyer is busy self-destructing by paying an unrealistic price for portfolios -- just to feed their machine.

For cooperative debtors, we will stop all interest if they will agree to, and comply with, a reasonable payment arrangement. In certain situations, we have settled debts for a lump sum payment of considerably less than the current balance.

We generally will only own and effect collection on our accounts for six to eighteen months. After that period those debtors who haven't settled their account, or committed to a reasonable payment arrangement, or that we have not obtained a judgment on, are resold to Collection Attorneys or other debt collection entities.

If you are an original creditor selling debt, click on the As Buyers button to the left and learn why we are can be your best buyer. If you are a collection attorney or collection agency looking for suit material in your region, click on the As Sellers button to learn why our honest reputation has made us a favorite Seller of debt. If you are one of our debtors, click on the As Debt Managers button to learn how we will work with cooperative debtors to find a reasonable repayment plan -- or even settle your debt in full with a one-time lump sum payment of a lesser amount.