BCA Financial Services Inc is a debt collection agency which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
What is BCA Financial Services?
BCA Financial Services , Inc. (BCA) is a third-party collection agency based in Florida. BCA has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including failure to verify debts and attempting to collect debts not owed. If you have been contacted by BCA, understand your rights before responding.
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Is BCA Financial Services a scam?
They’re legit. According to the Better Business Bureau (BBB), BCA Financial Services is a legitimate collection agency, incorporated and started locally in 1956, re-emerging as BCA Financial Services, Inc. in 1994. The BBB established BCA’s profile page in 2001. BCA is listed as a collection agency; unlicensed financial consultant; insurance claims processor; healthcare staffing provider; and medical billing, general billing, and financial services provider. Buzzfile estimates BCA Financial Services’ annual revenue at $10 million and the size of its headquarters staff at 135 people.
Who does BCA Financial Services collect for?
According to its website, BCA Financial Services began as a collection agency whose revenue “was derived from traditional delinquent account collection services provided to a small but distinguished number of retail and health care clients.” Subsequently, “as the health care industry began undergoing tremendous change, BCA understood the need for providing more than just traditional delinquent account collection services and began developing a complete outsourcing program for the healthcare industry.”
BCA’s goal “is to employ innovative technology and highly skilled personnel to maximize the return on clients’ accounts receivable investment, consistent with their philosophy and desired public relations image and to develop mutually beneficial partnerships with other organizations.”
BCA Financial Services operates primarily in the healthcare field. Their full-service agency “provides a myriad of receivable management services encompassing all phases of accounts receivable management, including extended business office; delinquent accounts; insurance follow-up programs; denials management; revenue cycle consulting; interim staffing and management; and conversion, backlog, and cleanup projects.”
As for compliance, BCA Financial Services indicates that its “management are engaged in legislative and regulatory activities at the state, federal, and international levels and have held leadership positions in a host of industry associations.” Furthermore, “BCA has been an active member of ACA International for more than 50 years.” However, their site does not provide links or references to consumer protection resources, laws, or enforcement agencies.
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.
How many complaints are there against BCA Financial Services?
The BBB has closed 21 complaints against BCA Financial Services in the past three years, with 9 closed in the past 12 months. All of those complaints allege problems with billing and collections. Since March 2015, the Consumer Financial Protection Bureau (CFPB) has received 14 complaints about BCA. Justia lists at least 15 cases of civil litigation involving BCA.
BCA Financial Services, Inc. 18001 Old Cutler Rd., #462 Palmetto Bay, FL 33157 Telephone: (800) 444-1944 Website: http://www.bcafs.com/en/
Can BCA Financial Services Sue Me or Garnish My Wages?
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely BCA 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!
In February 2012, in the United States District Court of Appeals for the Eleventh Circuit, a judge issued a Decision in a case in which BCA Financial Services had appealed an earlier finding that they had violated certain provisions of the Fair Debt Collection Practices Act (FDCPA). In the initial case, the plaintiff brought three charges against BCA: first, that BCA had failed to provide a written notice within five days of BCA’s initial communication with the plaintiff; second, that a BCA representative who had contacted and spoken with the plaintiff’s former spouse had failed to state that she was “confirming or correcting location information” for the plaintiff; and third, that a BCA representative had falsely stated that the plaintiff’s medical insurance would not cover the outstanding debt. The first charge violated FDCPA Section 1692g(a), which states that “a debt collector ‘within five days after the initial communication with a consumer . . . must send the consumer a written notice’ containing specified information unless that information was already included in the initial communication.” The second charge violated FDCPA Section 1692b(1), which states that “a ‘debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer,’ must… state that he or she ‘is confirming or correcting location information concerning the consumer.’” The third charge violated FDCPA Section 1692e(10), which prohibits the use of “false, deceptive, or misleading representation or means in connection with the collection of any debt.” In the initial case, BCA attempted to use the bona fide error defense, which excuses from liability “a debt collector that can show by a preponderance of the evidence that its violation ‘(1) was not intentional; (2) was a bona fide error; and (3) occurred despite the maintenance of procedures reasonably adapted to avoid any such error.’” The court disagreed with BCA, upheld the plaintiff’s charges, awarding the plaintiff $1,000 in statutory damages.
During the appeal hearing, BCA Financial Services requested that the court revisit its decisions on each of the three counts; reconsider the argument for a bona fide error defense; and lower the amount of the award. Although BCA offered new objections to the court’s initial findings, there was no new evidence, and BCA’s arguments were not substantial enough to overturn the decision. As a result, the plaintiff’s victory over BCA was upheld.
BCA Financial Services Calling You?
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).
Can I sue BCA for harassment?
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.
Want to Stop BCA Financial Services Debt Collection Harassment Now?
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Can You Help Me Delete BCA Financial Services from My Credit Report?
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About the Author:
Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. He has been repeatedly recognized as the “most active consumer attorney” in the country. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.