Bull City Financial Solutions or BCFS is a third-party collection agency based in North Carolina. BCFS has received consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA), such as failing to verify debts and using false or misleading language in an effort to collect a debt. If BCFS has contacted you about past due collection items,make sure you understand your rights before responding.
The harassing company pays our fees.
They’re legit. According to the Better Business Bureau (BBB) , Bull City Financial Solutions was founded and incorporated in 1975. The BBB established a profile page for BCFS in 1997. The BBB lists Bull City Financial Solutions Collection Services as a collection agency BCFS also does business using the titles, J.L. Walston & Associates, and Professional Credit Service. Buzzfile estimates Bull City Financial Solutions‘ annual revenue at $400K and the size of its headquarters staff at 2 employees.
According to their website, Bull City Financial Solutions collects for a variety of industries, including healthcare, government and municipalities, financial, utility, communications education and retail. Offering what they call a “customer help desk,” BCFS is in the business of “helping” customers pay money to them.
In a practice that has become quite prevalent in the debt collection business, Bull City Financial Solutions has an entire section of the business devoted to what’s known as “first-party collections.” This implies their debt collectors call and write customers and never disclose that they work for a debt collection agency. Instead, they say they’re calling from the business, physician’s office, or hospital in which the customer had an account. Once an account is not collected, it is a simple pivot for the service provider to employ Bull City Financial Solutions to run third-party collections.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
As of April 2017, the Better Business Bureau reported 46 closed Bull City Financial Solutions complaints over the previous few decades, including 11 closed BCFS complaints over the past 12 months. The BBB provides Bull City Financial Solutions an A+ rating. Additionally, Justia lists three Bull City Financial Solutions complaints filed in federal court in the past year alleging violations of the Fair Debt Collection Practices Act. Moreover, the Consumer Financial Protection Bureau (CFPB) lists 40 closed Bull City Financial Solutions complaints for 2016.
Bull City Financial Solutions, Inc.
2609 N. Duke Street, Suite 500
Durham, NC 27704
Phone Number: 800-489-7999
Website: http://www.bullcityfinancial.com/
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely BCFS would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Absolutely. You can sue a debt collector. If you have been unjustly harassed by this debt collection agency, contact us for a free case evaluation
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
Consumers have reported this agency harassing them from the following numbers:
Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
You may have a case, if…
“We realize that ours is just one small case among many – and many more serious – but are heartened by the fact that you accepted it and represented us with a professionalism that belied the small dollar amount.”
“A belated thanks for your company. I still get an occasional call but when I ask them to not they stop. Hopefully sometime in the future all of the collection agencies will be emptied. The peace from the constant calls is refreshing.”
“I have tried several times to deal with debt collectors, but to no avail. Contacting you had been the best decision I have made. It was no more me contrary to the collectors. I was not alone. I had a group on my side. You truly care. Thank you so much for doing what I could not do by myself.”
“When I first emailed the office, I was not exactly sure what they could do for me. I had an idea, but they responded back with what I could expect to take place. I never believed I would be receiving a check, it was definitely a silver lining. They always had great communication. I highly recommend them to anyone seeking customer legal services.”
Give our office a call, and we’ll explain how we can help.
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Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."
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Please be aware that if Park Ridge Hospital intake person in the ER doesn’t get the insurance information entered properly that Radiology billing from Myrtle Beach area will just send to collections. I’ve had insurance and
HENDERSONVILLE RADIOLOGICAL WILL JUST SEND IT ON to collections even though you call Park Ridge billing repeatedly, X rays are contracted out and billed from another place.
I am highly confused about the operations of Bull City. In short, Sprint Phone put me into collections in 8/17. I’m assuming for the cost of 2 iPhones in which were given back to them on a promotional deal. After weeks of fighting with them I choose the charge off amount of almost $1000. Done deal? Wrong, I now have another collection agency wanting $500 for the same account. Of course this Company ERC along with Sprint can’t tell me what it is for!? It dawned on me I paid the monies to Bull City so I called them and they say they don’t deal with Sprint ever and they are not a collection agency?!? Please shed some light on this foolishness or contact me to pursue legal action. Thank you, Deborah Devoe