Business and Professional Collection Service or BPCS 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 Business and Professional Collection Service – BPCS?
Business and Professional Collection Service , Inc. (BPCS) is a third-party collection agency based in Nevada. BPCS has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), such as threatening to take actions that cannot legally be taken and attempting to collect debts not owed. If BPCS has contacted you about past due collection items,make sure you understand your rights before you take action.
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Is Business and Professional Collection Service a scam?
They’re legit. According to the Better Business Bureau (BBB), Business and Professional Collection Service, Inc.was incorporated in 1955 and started in 1961. The BBB established a profile page for BPCS in 1965, and BPCS has been a BBB-accredited agency since 1970. The BBB lists BPCS as a collection agency that uses the alternate business name, Hospital Collection Services. Manta estimates BPCS’s annual revenue at $2.5 million to $5 million and the size of its headquarters staff at 20 to 49 employees.
According to its website, BPCS’s “mission is to provide superior collection and accounts receivable services, built on a foundation of trust and many years of experience.” BPCS “helps businesses improve their cash flow…and is dedicated to being a professional third-party collection agency.”
Business and Professional Collection Service accepts delinquent collection accounts from a wide variety of businesses and industries, including small businesses; medical and healthcare providers such as hospitals and doctors’ offices; financially related companies such as casinos and accounting firms; utility service providers; manufacturers; and “virtually any organization that accepts checks or extends credit.”
BPCS’s medical collections division services accounts for slow self-paying patients and unresolved insurance claims. BPCS also has a “fully staffed legal department that uses innovative and effective techniques to collect on unsecured debt.” BPCS states that its “recovery rates on NSF checks are unsurpassed in the area.” BPCS also offers skip tracing and additional client services such as client web access and electronic account transfer.
BPCS states that its “collection methods are in full compliance with the FDCPA as well as all state and federal laws.” They also cite compliance with healthcare-related legislation such as HIPAA and HITECH. BPCS is affiliated with several professional associations, including ACA International, the Consumer Data Industry Association, and the Nevada Collectors Association. However, their website is client-facing and does not include 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 Business and Professional Collection Service?
As of August 2019, The BBB has closed 5 complaints against Business and Professional Collection Service in the preceding three years, with 3 complaints closed in the previous 12 months. Three of those complaints alleged problems with billing and collections; the other 2 complaints cited problems with advertising or sales.As of August 2015 , the Consumer Financial Protection Bureau (CFPB) has closed 21 complaints against BPCS. Justia lists at least 1 case of civil litigation involving BPCS.
Business and Professional Collection Service, Inc. 816 South Center Street Reno, Nevada 89501 Telephone:(775) 333-4250
Can Business and Professional Collection Service 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 BPCS 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!
Complaints against Business and Professional Collection Service cite problems resulting from disputes about the validity of debts, the accuracy of information reported to the credit reporting agencies, and allegations of rude and overly aggressive collection staff. In January 2019, a complainant stated that he had “received a summons from BPCS.” According to the complainant,he “called a few days later to discuss the debt.” After the call, he “wasn’t sure about the debt, so he sent a ‘debt validation letter.’” BPCS sent him a reply with an itemized statement, and he called to arrange a settlement. Allegedly, “after some back and forth, BPCS offered to settle for” about $800.00 BPCS also stated that they would not charge the complainant any filing fees or court fees. The complainant “asked for a few days to get paid and ‘check his finances.’He used that time to contact the original hospital… to confirm that” BPCS had a legitimate claim to control the debt. However, when he called back to finalize the settlement agreement, BPCS told him they had “rushed out just after the previous call to get a judgement.”BPCS rescinded the earlier offer and now demanded an additional $200 in fees to settle the same account. The complainant stated that BPCS had originally expressed their willingness to “settle in full and then rushed out to increase… the debt by 25% just to get more money.” As a result, he felt that their “negotiations were not in good faith.” Instead, they had “created an artificial timeline, and once they saw an opportunity, they rushed to increase the amount.” The complainant had looked at other reviews and concluded that “this is a common business practice for” BPCS.
In September 2017, a complainant stated that she had gone to the hospital “and incurred a large bill that her insurance paid,” except for about $600.00, which remained her responsibility. That amount was not paid, and “now shows on her credit report as being placed for collection,” which she stated was inaccurate. She said that the healthcare provider had sent late notices. Although she didn’t have copies of the notices themselves, she did“have copies of a bill from one of their bill collectors, …showing the debt amount, and that they are charging interest on the debt.” She said she believes Business and Professional Collection Service had “knowingly ‘re-aged’ this debt, which is a violation of the Fair Credit Reporting Act by reporting inaccurate information about her accounts to credit bureaus…She sent a letter of dispute to the credit reporting agencies, claiming their practices were unscrupulous,”and that “they should be punished for it, as it has adversely affected her credit rating and increased the cost of credit she had obtained over the last couple years.” She also said that “other debt she had incurred from the same hospital visit had been removed from her credit file.”
Business and Professional Collection Service 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).
But here’s the rub: If you want to enforce your rights, or recover money for violations — you need to sue. These 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.
“With your help the nagging collection calls have ceased! I was thrilled I was also able to get damages from the collection agency. I am unable to adequately express my joy. I am so thankful I made the call.”
“I would recommend your company to anyone. You have the debt collectors off my back, and I will finally see the light at the end of the tunnel. Throughout the entire procedure your employees were courteous and professional. I was blown away by their efficacy also.
“After speaking to one of the partners, and going over the plan of action, I felt I’d chose the perfect company to go to work for me. He was very accommodating in describing what was going to happen. I would strongly recommend Lemberg Law to anybody being hassled by debt collectors”
“Prior to contacting you, we had tried repeatedly to handle this matter without threatening litigation. In the end, not only were they unapologetic, but they were dismissive – even of an attorney friend who called on our behalf. Sincerest thanks for resolving this matter for us!”
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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.