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. 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. 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.
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 violating the FDCPA, and you can sue them and get awarded damages.
Call us immediately at 877-700-5790 to begin the process.
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 and who the original creditor is, and so on.
You should also go further to ask them to send you a letter of validation to prove that you actually owe as they claim. As you do this, refrain from making any statement that connotes that you agree that the debt is yours.
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.
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.
- 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)
- 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.
- 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.
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. 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. has been in business since 1925. There have been 28 customer complaints closed in the last 3 years and 10 customer complaints closed in the last 12 months. Read more information here: BC Services, Inc
Who are BC Services, Inc.?
According to their website BC Services is one of the largest accounts receivable management companies in Colorado with corporate headquarters located in Longmont.
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.
About Us
Consumer Rights Law Firm, PLLC 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.
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