About Us

We are leaders in our industry who are passionate about helping others manage their outstanding balances and achieve financial peace.

An Industry Leader

North American Credit Services believes that conducting business ethically and striving to do the right thing are vital to the success of our company. The corporate philosophy of our company is centered on the Christian values of respect, fairness, loyalty, perseverance, and compassion. These values extend to every aspect of operations relating to our clients, employees, consumers, vendors, and community. Our company has experienced, and in many cases battled against, the many economic, technological, and legislative changes that have occurred during the past 40 years. Not simply enduring challenges, our company has far surmounted obstacles, achieving tremendous success, which we attribute directly to our solid and longstanding corporate philosophy. As we move into the future, we will continue to center our goals and enterprise on these principles.

Dallas S. Bunton, Sr.

Our founder, served as a Certified Instructor through ACA, held a Fellow Degree in Collection Business Management and Master Credit Executive designation prior to his passing in July 2019. For over four decades, our team has served our clients, our consumers, and our community with a spirit of excellence and service that has allowed our organization to grow and flourish in a competitive healthcare market.

Now led by the Bunton Family, the business continues to adhere to serving clients and consumers with faith, integrity, and service.


A Passion for Our Work

We believe it is essential to take a stand on issues to support our business because it is who we are and how we operate. We have a responsibility to advocate both internal and public policies that support the health of our business, our employees, and the communities we serve.

Meet Our Team

Our Excellence Shows

North American Credit Services has been recognized as an industry leader for decades. Along with our corporate and community partners, we are proud to have been recognized for our integrity and service.

  • BBB Torch Ethics in the Marketplace

    Winner, 2020

  • Chattanooga Chamber Healthiest Business

    Winner, 2020

  • Best Place to Work in Collection Industry

    Winner, 2020, 2021

Dynamic Reporting Solutions

Our service offers complete 24/7 accessibility through our portals which are fully integrated into our systems. Clients can access their information thanks to our interactive dynamic reporting systems.

Request a Sample Report


North American Credit Services is a leader in the technology used for processing and collecting insurance and self-pay accounts. We provide online communications, allowing them access to their accounts seven days a week, twenty-four hours a day. We can work off or in centralized hospital systems as necessary.

Compliance and Security

Our Ethics and Compliance program supports our mission statement and helps protect our culture and our reputation by providing resources that help employees make ethical decisions in the workplace. The program develops and distributes awareness materials, including the Standards of Conduct, facilitates legal compliance and ethics training, investigates sensitive issues such as potential conflicts of interest, and provides additional channels for employees to voice concerns. Employees are encouraged to report all situations to the program by choosing the offered communication channels.

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Regulated Operations

Our company consistently operates under the following standards:

• Fair Debt Collection Practices Act
• All Federal and State laws relating to our industry
• Consumer Protection Act of the states in which we operate
• Consumer Federal Protection Bureau (CFPB)
• No license ever suspended, revoked, or denied

The associations of which we are a part require annual recertifications and conduct business audits of our employees and our processes to ensure our ethical business practices. Additionally, in late 2019, we received the recognition as an elite agency with our SOC2 Compliance certification.