SC Associates

d.b.a. Southern Capital Associates, Inc.
a.k.a. Lockport Collections
Address 6929 Williams Road, #127
City Niagara Falls
State  New York
Zip Code 14304
Phone 1 800-440-2296
Phone 2 716-297-3922
Phone 3 800-440-2295
Fax 716-297-6668


Ratings for
  1. Elizabeth Bedillion says:

    I have a file number with Southern Capital Associates, Inc. and i have been paying every month since February of 2008 via my checking account. But for some reason for the month of April no payment has been taken out. I have tried all phone numbers available and they are all busy all the time.

  2. Sara says:

    I paid this account off march 2008, even have a conformation letter stating that but I keep getting calls from different collectors saying they are going to garnish my wages for non payment. Have called may times & the lines are busy or they just ring non stop. What is going on?

  3. Mitiya says:

    I made one payment then I asked for a letter confirmation . They kept giving me the run around saying they sent it. So I asked them to fax it to me. Then the guy I was working with told me like 4 times that the guy is already gone for the day who does all the letters which it was only 10:00a.m. in the morning. Then I never recieved a letter so I called my bank to file a claim and did not make my final payment. I read on numerous websites that This company is fraud. Still no letter, And the payday loan they say I owe is not on my credit report. I also tried calling recently the 1-888-594-0074 and they number is disconnected. I called back a day later and its busy. Something just does not feel right about this company.
    The guy name was Caesar very nice but never sent me my agreement letter.

  4. Joe says:

    I just received a call from another collection agency about an account that was paid in June of 2007. I sent in a check to Southern Capital to pay off the account and now this other company is showing no record of it! Does anyone have any new contact info for S.C.

  5. Sam says:

    I settled a collection account in June of 2007 with Southern Capital. I was told I would recieve a payoff letter and I have never recieved it. Now, over 2 years later I recieve a letter from another collection agency requesting payoff for the same account that I thought was finished. After exhausting every idea of how to get ahold of these people I have decided to call a lawyer. If you google their name you will find numerous articles about how they keep changing their name to avoid law suits and I did find out that the Owner of the company/ companies is named David Dwyer. I am going to continue my search for the people who have apparently scammed me. I have my documentation in order and I hope to clear my name of this debt that until yesterday, I thought was a finished deal. Good luck to anyone who finds themselves in the same situation as me… I guess I should check my credit report more often.

  6. Jess says:

    I paid off an account in 2005 and I never received a letter stating I paid it off. I am now being sued for the same bill and I have no way to contact them to get that letter. I have the letter they sent me stating to settle and my bank account confirmation that I paid it off. Is there anything that I can do now? I have 48 hours to come up with the proof and there numbers are disconnected. I am going to have to pay four times what I already did pay. I am glad people can sleep knowing that they are scamming a single mom of three trying to fight her way through nursing school!!

  7. Faith says:

    Well, welcome to the club. I paid them a settlement for a credit card company in 11/08, also received no letter and it is still on my credit report as unpaid in two different accounts. I tried to contact the second account today and they said it was in SC’s hands. I never received any letters or documentation about this second account and I do not remember it (I do remember the first one). I guess I’m going to have to deal directly with the credit companies and if I can’t get them to clear it, go the lawyer route as well. Like Sam, I guess I need to check my credit reports more often too.

  8. Melodu says:

    I am in the same boat with these fraudulent companies. Summer Matthews the \”Account Supervisor\” was supposed to send me a letter requesting a copy showing I paid it off and never received anything. I have tried several times contacting them with no luck. I am very upset that till this day its still not paid.

  9. oretta durham says:

    this happened about a year ago….original account was with HSBC AUTO….turned over to southern capital….i made my payments then called to see how much it would take to pay it off….i was told they didn’t have account anymore it had been given to oxford financial a month before…i had even sent sc a payment in the meantime not knowing of the transfer which they refused to give back or send on to oxford…sc even gave me the phone number of oxford….i called oxford and set up the final settlement payment and asked them to let sc know….they couldn’t do i called sc…they insisted they still had the account and if i didn’t pay them they would report i refused to pay…after oxford took the last payment out of my bank account i asked for a settlement payed statement…they refused even when i told them i had gone into the attorney generals office to lodge a complaint…in checking my credit reports i found oxford had never gave me credit for the last payment and showed me owing them the full amount….sc showed me owing the full amount…hsbc showed me owing a balance

  10. TC Jenkx says:

    Does anyone have thier number by chance.

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