BCA Financial Services

Is BCA Financial Services hurting your credit score?

Schedule a complimentary credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

Who is BCA Financial Services?

BCA Financial Services, Inc. is a debt collection agency located in Palmetto Bay, 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?

Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(While debt collectors may not want this information to be widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

Some clients have raised their credit scores
by 100 points* or more.

[*] Results are not typical or guaranteed.

Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.

In addition to collections, they can work with you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

BCA Financial Services, Inc. Contact Information


BCA Financial Services, Inc.
18001 Old Cutler Rd Ste 462
Palmetto Bay, FL 33157

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?

It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.

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

Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If a debt collector is harassing you, you may want to 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 the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

Your Rights When Dealing with BCA Financial Services

Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

  • 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • BCA Financial Services may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • BCA Financial Services must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
  • BCA Financial Services cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove BCA Financial Services From Your Credit Report Today!

Lexington Law can assist you in disputing BCA Financial Services collection accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website for a free credit consultation to see what they can do for you.

Ready to Repair Your Credit?

Some clients have raised their credit scores
by 100 points* or more.

[*] Results are not typical or guaranteed.