Who is BCA Financial Services?
BCA Financial Services, Inc. is a debt collection agency located in Miami, Florida. Their primary business involves the recovery of outstanding debts on behalf of their clients.
If you have an outstanding unpaid bill, you might notice BCA Financial Services reflected as a collections account on your credit report.
Who does BCA Financial Services collect for?
BCA Financial Services primarily collects debts for companies operating in the healthcare industry. Their clients include hospitals, doctors, clinics, and other healthcare providers. When patients do not or cannot pay their medical bills, these healthcare providers may hire BCA Financial Services to collect the debts.
Is BCA Financial Services legit or a scam?
BCA Financial Services is a legitimate debt collection agency, not a scam. It is licensed and operates in compliance with the Fair Debt Collection Practices Act (FDCPA), which is enforced by the Federal Trade Commission (FTC).
How can I remove BCA Financial Services from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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BCA Financial Services, Inc. Contact Information
Address:
BCA Financial Services, Inc.
18001 Old Cutler Road, Suite 462
Miami, FL 33157
Phone number: (800) 444-1944
Should I contact or pay BCA Financial Services?
Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.
The most effective way to deal with BCA Financial Services is to work with a credit repair professional. They help remove millions of negative items every year from companies like BCA Financial Services, Inc. on behalf of their clients.
Will BCA Financial Services sue me or garnish my wages?
BCA Financial Services does have the ability to sue you in court for unpaid debts. If they win the lawsuit, they may obtain a judgment against you, which could potentially allow them to garnish your wages, levy your bank accounts, or put liens on your property, depending on your state’s laws. However, these measures are usually considered last resorts and not all debt collectors will choose to go this route.
BCA Financial Services, Inc. Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with BCA Financial Services
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for BCA Financial Services to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
- BCA Financial Services cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- BCA Financial Services must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- BCA Financial Services cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove BCA Financial Services From Your Credit Report Today!
Credit Saint offers assistance with disputing BCA Financial Services collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
