SCA Collections 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 SCA Collections Inc?
SCA Collections , Inc is a third-party collection agency based in North Carolina that specializes in collecting delinquent accounts for healthcare providers. SCA has received consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA) such as failure to verify debts and attempting to collect debts not owed. If you have been contacted by this debt collector, make sure you understand your rights before taking action.
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Is SCA Collections a scam?
They’re legit. According to the Better Business Bureau (BBB) SCA Collections is a legitimate collection agency founded in 1980 and incorporated in 1981 in Greenville, NC. The BBB opened SCA’s profile page in 1998. Manta estimates SCA Collections’ annual revenue at $854,373 and the size of its headquarters staff at 8 employees.
Who does SCA Collections collect for?
According to its website, SCA Collections “specializes in accounts receivable services and debt recovery in the medical industry,” and offers “a portfolio of customized collections services designed to maximize recovery results, improve cash flow, and strengthen profitability.”
SCA’s healthcare specialists “capitalize on revenue generation while also ensuring a great consumer experience.” They offer “Health Information Portability and Accountability Act (HIPAA)-compliant collections services to hospitals, physician offices, large national healthcare systems, small rural hospitals, and government facilities.” SCA offers full service third-party collections, pre-collection letters, early-out programs, skip tracing, accounts receivable consulting, and payment monitoring.
As for compliance, SCA cites a staff that “stays on top of industry trends, uses the most up-to-date technology and receives on-going training.” However, SCA’s website is almost entirely client-facing and does not contain any links or references to consumer protection laws or consumer resources. The only resource for consumers is a link in the top left corner labeled, “Received a call or letter?” This link leads to a payment portal, but does not notify site visitors of their rights under laws such as the Fair Debt Collection Practices Act (FDCPA).
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 SCA Collections Inc?
As of September 2017, the BBB has given SCA Collections a rating of B. The BBB has closed 41 complaints against SCA in the past three years, with 14 closed in the past twelve months. Almost all of these complaints alleged problems with billing and collections. Since March 2015, the Consumer Financial Protection Bureau (CFPB) has closed 36 complaints against . Justia lists at least 4 cases of civil litigation listing SCA as a defendant.
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely SCA 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!
Many of the complaints against SCA Collections allege problems associated with reporting inaccurate information to the credit reporting agencies. In addition, because SCA collects past due medical bills, many consumers have expressed concerns about SCA’s access to medical information. In August 2017, a complainant alleged that SCA had placed fraudulent reports of delinquencies on his credit report, and that their presence there for several years had done irreparable harm to his credit. The complainant alleges further that he never received any notification of the delinquencies, nor did SCA Collections ever attempt to provide verification of the debts. SCA responded to the consumer’s complaint by indicating that after researching the account, they discovered that the debts belonged to someone else with a similar name and that they would request the credit reporting agencies to remove the erroneous information, which may take 30 to 45 days.
In July 2017, a complainant indicated that SCA had reported a collection account to the credit reporting agencies that did not belong to him. In addition, the complainant indicated that SCA had accessed private medical information associated with the alleged debt in violation of HIPAA legislation. In response, SCA indicated that they mailed verification of the debt to the complainant and that as a Business Associate, they are allowed access to medical information held by the complainant’s healthcare provider. The consumer continued to dispute SCA’s effort; furthermore, although HIPAA does allow Business Associates to have access to medical information necessary for them to fulfill their business function, billing and collection agents should not have any need to access treatment or diagnosis information.
SCA Collections Inc 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 SCA Collections 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.
“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.”
“If you are unsure about this company…DONT BE!!! They are for real when they say they are here to help you. It only takes a few short minutes of your time to talk to a rep. I was a skeptic, but you did everything you said you would! I can’t say thank you enough!”
”Lemberg Law has saved me from the endless calls, and harassing voicemails. They really do go to bat for you. I didn’t know that debt collection agencies can end up paying your legal bill. What a surprise, to receive free legal help. I’m very grateful for all the hard work they did to finally give me my life back.”
Can You Help Me Delete SCA Collections Inc from My Credit Report?
Chances are good that we can help. Call us today and we’ll explain.
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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.