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Systematic National Collections Inc


3608 Ocean Ranch Blvd
Oceanside, CA 92056

Contact Them:

Phone: (760)994-1109
Fax: (760) 994-1111

Many Americans like you are being contacted by collection agencies who are trying to get payments on defaulted accounts they have acquired or been assigned. Even though you may owe a debt, you still have rights.

You should dispute the debt in writing if you feel as if the dollar amount the collection agency is requesting is inaccurate, if you feel the debt is not owed or if you feel the debt is fraudulent. You can send a letter to the collection agency within thirty days of first being notified of the collection. You should send this letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. There are many things collection agencies cannot do or say when contacting you. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you repeatedly;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt;
  • threaten to have you arrested or imprisoned.

    If any of these things occur, your best option is to consult with a consumer protection attorney.


    1. Lisa Boyle on January 14, 2015 at 12:10 am

      On 1/12/15 I was contacted by Diane Scott from Systematic National Collections, INC. She informed me of debt collections in her office and wanted to collect payment. I explained to her that I was not employed and did not have a steady income to make payment arrangements. She then threatened legal action. Then proceeded to get hostile toward me, saying rude and insulting comments, such as “Why don’t you act like a lady and pay your bills,” “You just seem like a person who just moved around and leaves a trail of bills,” “you should be ashamed of yourself, I would be if I where you.” Every time I would try and respond she would just cut me off and say something rude. I asked her why she was being as hostile as she was towards me as I wasn’t behaving that way towards her. She replied that she was mad at me because I don’t pay my bills. Then I told if she couldn’t speak to me in courteous manner that she was not to call me anymore. She then told me that she was going to continue to call me every day until I paid my bills. At that point I hung up the phone. On 1/13/15 her office contacted me twice at 4:36pm and 4:37pm. Even though I owe this debt I don’t feel that I deserve to be harassed, belittled or insulted.

    2. Gloria P. on October 31, 2015 at 9:07 pm

      Systematic National Collections Inc is sending me collection letters. Systematic National Collections Inc is sending them to someone with a name similar to mine, but its not me.

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