BC Services Inc Debt Collection Harassment?
Is **BC Services Inc**calling you repeatedly? If so, you may be experiencing BC Services debt collection harassment. In case you’re wondering who, BC Services is and why they are calling you, BC Services is a third-party collection agency and they most likely are calling you to talk about some money they think you owe. BC Services Inc is a company and a business entity specializing in debt collection. The company is also known for collecting debts in the healthcare industry. When an individual falls behind on their bills, their original creditor begins to pursue them in an attempt to retrieve the money they owe, but this is short-lived. Usually, creditors who pursue debts, pursue it for only about 100-120 days, after this time, they hire a professional debt collector like BC Services debt collection and hand over the account with the delinquent debt to them. These professional debt collectors are called third-party collection agencies or third-party debt collectors.
When an account gets sent to a debt collector like BC Services collections, your credit report gets affected because a collection begins to appear on it which automatically affects your credit score. If the balance reported is wrong or there is a mistake on your credit report, it can negatively impact your credit score and financial opportunities. For example, some consumers have never heard from BC Services until they saw a collection account appear on their credit report. After this happens, the calls from the collection agency begin to come in. Many times, these calls are not the nicest. Debt collectors have successfully built a reputation for themselves as scary and dreadful entities. Sometimes, consumers are asked for sensitive personal information, raising security concerns about how their data is handled.
Only a few people can attest to having great experiences with debt collectors. If you are currently experiencing harassment from a collection agency, know that it is illegal and can be stopped. You do not have to put up with BC Services debt collection harassment; the FDCPA says so. The Fair Debt Collection Practices Act puts a limit on what debt collectors can do to you. According to the FDCPA, debt collectors are not allowed to use any unfair, deceitful, or harassing method when trying to recover a debt from you. If a BC Services collection agency begins to harass you with calls, threaten to send you to jail, harm you, or call your loved ones, they may be committing violations of the FDCPA, and you can sue them and get awarded damages. Failing to comply with the law can result in serious legal consequences for the company, including court orders to stop improper practices. If you notice any wrong information reported by a debt collector, you have the right to dispute it and protect your credit.
Call us immediately at 877-700-5790 to begin the process. Take a moment to contact us for help today.
Understanding Debt Collection
Debt collection is a process where a debt collector, such as BC Services, works to recover unpaid debts from consumers on behalf of a creditor. Debt collectors may reach out through phone calls, letters, or even take legal action in an attempt to collect what is owed. Under the Fair Debt Collection Practices Act (FDCPA), consumers are protected from unfair debt collection practices, and debt collectors must follow strict guidelines when contacting you. This means that while BC Services and other debt collectors are allowed to contact you about a debt, they must do so in a way that respects your rights and avoids harassment. Understanding your rights under the FDCPA is crucial, as it empowers you to recognize when a debt collector’s actions cross the line. If you receive calls or letters from BC Services, take the time to review your rights and ensure that all communication and actions taken by the collection agency are in compliance with fair debt collection practices.
What to do when debt collectors call
If you’re going through BC Services debt collection harassment, you need to know what to do and say when they call.
When a BC Services debt collector calls you, the first thing you should do is to get as much information as possible. Ask for details like the name of the caller, the agency they represent, their address, the debt they speak of, who the original creditor is, and so on. Be aware that you may be asked for personal or sensitive information by the debt collector. Always consider the security of your personal information and do not provide details unless you are certain of the caller’s legitimacy. For example, a debt collector might improperly ask for your full Social Security number or bank account details before verifying their identity, which is not appropriate.
You should also go further to ask them to send you a letter of validation to prove that you actually owe as they claim. Failing to provide proper validation is a violation of your rights under the FDCPA. When you receive validation, carefully check the balance they claim you owe and dispute any mistake or wrong information you find.
Do your best to speak calmly and logically. Debt collectors may say things that will infuriate you, but the knowledge of your rights will help you keep them under control. BC Services debt collection harassment is unlawful and a violation of your right under the FDCPA. So do not cower in fear if you’re being harassed during a BC Services debt collection call, stand firm on your rights.
If the debt is validated and you confirm that it is yours, immediately make plans to negotiate. Proceed to make negotiations with BC Services collections on better payment options for you and possibly installments. A credit counselor or consumer rights attorney will be in the best place to negotiate with BC Services collection on your behalf. In some cases, a court order may be required for certain collection actions, so be sure to understand your legal rights.
What to do if a Debt Collector sues you.
How bad does debt get before you get sued for it? A debt collector can sue you when your debt becomes delinquent and has passed through the debt collection process. There are a few tips that can help you pass through the hard process of being sued. But first of all, attempt negotiating with the debt collection agency. While the BC Services Inc Debt Collection Harassment process is still ongoing, and before it gets to the point of becoming a full-blown lawsuit, try negotiating a repayment plan with BC Services. Maybe you can pay less. If that does not work, do the following:
- Brace up and face the lawsuit. Respond to the debt claim and don’t ignore it, as ignoring it could attract a more severe action against you. Ignoring a BC Services lawsuit could give BC Services an automatic judgment against you, and in some cases, a court order may be issued for wage garnishment or other enforcement actions if you do not respond.
- Retrieve all documents and information in your possession that has anything to do with that particular debt. During BC Services debt collection, you must put together certain documents like information about the debt, and evidence of BC Services debt collection harassment (if there was any). Make sure to keep your documents secure, as protecting your personal information is important for your security.
- Demand more proof from BC Services collections that you actually owe. The suing party should produce proof that you are in debt and that they have the right to sue you over it. You may be asked for documentation to support your case. For example, there have been cases where a debt collector failed to provide proper documentation of the debt, resulting in the case being dismissed.
- Hire an attorney. If you are sure you have paid up the debt that you are being contacted over and this is a case of zombie debt, you can submit your evidence of payment to your attorney and get the case dismissed. But if you do owe, your attorney can still step in and defend your case.
When disputing the debt, check the balance reported by the collector and ensure it is accurate. If you find a mistake or wrong information, you have the right to dispute and correct it.
You equally stand a chance to file a countersuit if the creditor breached any agreement, harassed you, or if the debt was settled, discharged in bankruptcy, or is too old. Violations of the FDCPA, such as failing to verify the debt or improper collection practices, can also be grounds for legal action. If you have settled or completely resolved the debt, then bring proof of payment or your debt settlement agreement along with you to court.
Finally, if you really cannot pay off your debt even after being sued (and only if you can really not afford to pay it off), you should strongly consider filing a petition of Bankruptcy. The entire debt will be discharged in bankruptcy; this will halt the entire collection process.
Is BC Services, Inc. a Scam?
According to the Better Business Bureau website, BC Services, Inc. is a company and legal entity that has been in business since 1925. This entity primarily collects debts for various industries, including healthcare. There have been 28 customer complaints closed in the last 3 years and 10 customer complaints closed in the last 12 months, as shown on the BBB page. Some of these complaints involve alleged violations of consumer rights under debt collection laws. For example, a typical complaint may describe a consumer being contacted repeatedly about a debt they do not owe. Read more information here: BC Services, Inc
Who are BC Services, Inc.?
According to their website, BC Services, Inc. is a company and legal entity specializing in accounts receivable management, with corporate headquarters located in Longmont. This entity is known for collecting debts for various industries, including the healthcare sector. For more information, you can visit their company page.
Address:
550 Disc Dr.
Longmont, CO 80503-9343
Phone: (303) 532-3500
Fax: (303) 532-3544
Alternate Business Name(s)
- Bonded Collection Service of Longmont
- Bonded Collection Service, Inc.
- Accounts Receivable Management Co Inc.
Consequences of Debt Collection Actions
When a debt collector like BC Services takes action to collect a debt, the consequences can be far-reaching for consumers. Debt collection actions—such as repeated phone calls, letters, or even threats of legal action—can negatively impact your credit score, cause financial strain, and lead to emotional distress. In some cases, debt collectors may cross the line by engaging in harassing or deceptive practices, such as calling you repeatedly, attempting to collect a debt you do not owe, or using misleading information. If you believe BC Services or any other debt collector has violated your rights under the FDCPA, you may have grounds to sue for damages. The Better Business Bureau (BBB) and other consumer protection organizations can offer guidance and support if you are facing aggressive or unfair collection tactics. Remember, you have the right to fair treatment, and there are resources available to help you protect yourself from unlawful debt collection actions.
Resolving Disputes with BC Services
If you find yourself in a dispute with BC Services, it’s important to act quickly and assert your rights as a consumer. You have the right to request verification of the debt and to dispute any information you believe is inaccurate or unfair. As a collection agency, BC Services is required by law to provide clear details about the debt, including the name of the original creditor, the amount owed, and the terms of repayment. If you suspect that BC Services has violated your rights or engaged in unfair practices, you can seek help from a consumer protection attorney or file a complaint with the Better Business Bureau (BBB) or other regulatory agencies. Taking these steps can help you protect your credit, resolve disputes, and ensure that your rights under the FDCPA are upheld. For more information about BC Services’ debt collection practices or to address a dispute, you can visit their website at www.bcservice.com or contact their business office in Longmont, Colorado. By staying informed and proactive, you can effectively deal with debt collectors and safeguard your financial well-being.
is a law firm that specializes in helping clients who are facing harassment from debt collectors. If you suspect that your debt collection rights are being trampled upon, contact our office to begin the process to stop the harassment you may currently be receiving from BC Services, Inc. Our office has been assisting consumers since 2010, and we have an A+ rating with the Better Business Bureau.
Call us at 877-700-5790 for immediate assistance.
Take a moment to contact us today and let us help you put an end to debt collector harassment.
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