BCA Financial Services, Inc. Debt Collection Harassment?
Is BCA Financial Services, Inc. (BCA) calling you? Stop BCA Financial Services, Inc. phone harassment. Do they threaten to take legal action or garnish your wages? Are they calling you at all hours or several times a day? Are they telling your family and neighbors that you owe a debt? If so, what they are doing is illegal and needs to stop. Debt collection agencies, including BCA, often engage in phone harassment, which is against the law. You have the legal right to stop BCA phone harassment. If a collection agency violates the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees.
Introduction to Debt Collection
Debt collection is a process in which a debt collector or collection agency seeks to recover funds that are owed by individuals or businesses. This process can be initiated by the original creditor or by a third party, such as BCA Financial Services, Inc., which specializes in collecting outstanding debts on behalf of other companies. Debt collection agencies play a vital role in the financial services industry by helping creditors recover money that is past due. However, to protect consumers from abusive or unfair practices, debt collection is strictly regulated by federal laws, including the Fair Debt Collection Practices Act (FDCPA). These laws ensure that debt collectors and collection agencies like BCA Financial Services, Inc. follow fair debt collection practices and treat consumers with respect. Whether you owe a debt to a creditor or are being contacted by a third party debt collector, it’s important to understand your rights and the legal standards that govern debt collection practices.
Is BCA Financial Services, Inc. a Legitimate Debt Collection Agency?
According to the Better Business Bureau website, BCA Financial Services, Inc. is recognized as a legitimate debt collection agency and has been in business for 25 years. There have been 13 complaints filed against BCA with the BBB. Each complaint typically details consumer experiences with BCA’s debt collection practices, and the number and nature of these complaints can impact the company’s reputation. Read more here: BCA Financial Services, Inc. Better Business Bureau.
Who is BCA Financial Services, Inc.?
BCA Financial Services, Inc. is a third party debt collector located in Plametto Bay, Florida. BCA Financial Services collect debts for various creditors, particularly in the healthcare sector, with these debts often originating from unpaid medical bills issued by a healthcare provider, utilizing innovative technology and ensuring compliance with regulatory standards. BCA may be attempting to recover outstanding debt on your account, and these accounts can be reported to credit bureaus if not resolved. BCA has been a party to a Federal Court case over 50 times. They have been accused of violating consumer’s rights and illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer.
🏛️ Address: 18001 Old Cutler Rd STE 462 Palmetto Bay, FL 33157-6437
📞 Phone: (305) 909-2200
Understanding Debt Collection Harassment
Debt collection harassment is a serious issue that affects many consumers. It occurs when debt collectors engage in abusive, deceptive, or unfair practices to collect debts. This can include frequent phone calls, threatening letters, and false statements. Debt collection harassment can be stressful and overwhelming, but there are laws in place to protect consumers.
The Fair Debt Collection Practices Act (FDCPA) is a federal law that regulates the behavior of debt collectors. It prohibits debt collectors from engaging in abusive or harassing behavior, such as:
- ➡️ Using profane or abusive language
- ➡️ Making false or misleading statements
- ➡️ Threatening to take action that is not intended to be taken
- ➡️ Contacting consumers at unusual times or places
- ➡️ Contacting consumers at work if the employer does not allow personal calls
If you believe that a debt collector is harassing you, it’s essential to know your rights and take action to stop the harassment.
Your Rights Under Fair Debt Collection Practices
As a consumer, you have rights under the Fair Debt Collection Practices Act (FDCPA). These rights include:
- ➤ The right to be free from abusive and deceptive debt collection practices
- ➤ The right to receive certain information from debt collectors, including the amount of the debt and the name of the creditor
- ➤ The right to dispute the debt and request verification of the debt. You can request a debt validation letter from the debt collector, and this request should be made in writing to ensure you have a record of your communication.
- ➤ The right to request that debt collectors cease communication
If a debt collector is violating your rights under the FDCPA, you may be eligible to receive damages, including actual damages and statutory damages.
How to Stop Debt Collection Harassment
If you’re experiencing debt collection harassment, there are steps you can take to stop it. Here are some tips:
- ▶️ Keep a record of all communication with debt collectors
- ▶️ Do not engage with debt collectors who are using abusive or harassing language
- ▶️ Do not provide debt collectors with personal or financial information
- ▶️ Do not make payments to debt collectors who are not licensed or registered
- ▶️ Consider seeking the help of a consumer protection attorney
If you believe that a debt collector is harassing you, it’s essential to take action to stop the harassment. You can start by sending a cease-and-desist letter to the debt collector, which will instruct them to stop contacting you.
Taking these steps can help you resolve the situation and reduce the stress associated with debt collection harassment.
BCA Financial Services, Inc. Collection Tactics
BCA Financial Services, Inc. is a legitimate debt collection agency based in Palmetto Bay, Florida, providing debt collection services to a range of creditors, including healthcare providers. As a business with years of experience in the financial services sector, BCA Financial Services, Inc. uses various methods to collect debts, such as phone calls, written correspondence, and emails. While their goal is to help creditors recover funds, BCA must comply with federal laws like Fair Debt Collection Practices Act (FDCPA), which are designed to protect consumers from unfair or deceptive collection practices. If you are contacted by BCA Inc, you have the right to dispute the debt, request verification, and ensure that the company follows all legal requirements. If you believe the company is not adhering to fair debt collection practices, you can file complaints with organizations such as the Better Business Bureau or the . Staying informed about your rights and the proper procedures can help you address any concerns about debt collection and ensure that your interactions with collection agencies remain fair and lawful.
BCA Financial Services, Inc. Collection Examples
If BCA Financial Services, Inc. engages in any of the following tactics, you may have a case. BCA provides debt collection services to various clients, including healthcare providers and government agencies, ensuring compliance with federal laws like the Fair Debt Collection Practices Act (FDCPA). BCA must also comply with state and federal laws that protect consumers from unfair collection tactics:
- ➢ Using profanity or abusive language
- ➢ Calling you before 8:00 a.m. or after 9:00 p.m.
- ➢ Calling you multiple times per week
- ➢ Calling your workplace
- ➢ Threatening to sue you, harm you, or destroy your credit
- ➢ Telling you or anyone else that you’ve committed a crime
- ➢ Calling repeatedly for the wrong person
- ➢ Failing to notify you of your right to dispute the debt
- ➢ Trying to collect more than legally allowed
BCA Financial Services, Inc. Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
- 📞 305-909-2200
- 📞 800-444-1944
- 📞 305-777-7100
- 📞 (305) 909-2200
- 📞 (800) 444-1944
- 📞 (305) 777-7100
- 📞 3059092200
- 📞 8004441944
- 📞 3057777100
If the answer is yes, then you are receiving calls from a known BCA number. You may be a victim of BCA phone harassment. The list above is not all the numbers that BCA uses. The calls can be from different phone numbers and it still be BCA Financial Services, Inc. calling you. Contact our office right away so we can start the process to stop BCA from calling you illegally. Above all, no one should live with harassment!
Deleting Inaccurate Information from Your Credit Report
If a debt collector is reporting inaccurate information on your credit report, you have the right to dispute the information and have it deleted. Here are the steps to follow:
- ➡️ Obtain a copy of your credit report from the three major credit reporting agencies (also known as credit bureaus) (Experian, Equifax, and TransUnion)
- ➡️ Review your credit report for any inaccuracies or errors, paying special attention to any account reported by BCA Financial Services
- ➡️ Dispute the inaccuracies with the credit reporting agency
- ➡️ Provide documentation to support your dispute
- ➡️ Follow up with the credit reporting agency to ensure that the inaccuracies have been deleted
It’s essential to regularly review your credit reports to ensure that they’re accurate and up-to-date.
Compensation for Debt Collection Harassment
If you experience harassment or unfair treatment from a debt collector like BCA Financial Services, Inc., you may be entitled to compensation under federal law. The Fair Debt Collection Practices Act (FDCPA) allows consumers to seek statutory damages of up to $1,000, as well as actual damages and attorney’s fees, if a debt collector violates your rights. In addition, the Fair Credit Reporting Act (FCRA) provides further protections related to credit reporting and the accuracy of information on your credit report. If you believe you have been subjected to debt collection harassment, it’s important to keep detailed records of all communication with the debt collector, including dates, times, and the content of conversations. You may also want to seek immediate assistance from a consumer protection attorney, who can help you understand your rights and take legal action if necessary. By knowing your rights and the remedies available under the law, you can protect yourself from abusive debt collection practices and ensure that your credit and financial well-being are safeguarded.
Complaints Against BCA Financial Services
The following is a sample list of complaints filed against BCA Financial Services, Inc. in the past and can be found on Pacer.gov.
- 🔗 0:10-cv-60150-KMM Baar v.
- 🔗 0:11-cv-60768-XXXX Beetle et al v.
- 🔗 2:13-cv-02548-FSH-MAH Caprio v.
- 🔗 2:17-cv-03545-JMV-MF Fenty-Dey El v.
- 🔗 3:15-cv-00014-CAR Mayfield v.
Consumer Rights Law Firm PLLC
Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Rather than suffer alone, contact our office to begin the process to stop the BCA Financial Services, Inc. harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
If you are interested in learning more about how to safeguard yourself and prevent harassment from BCA, Inc. call us at 877-700-5790 for immediate assistance or visit our website.
Success Stories
- 🏆 As always with dealing with someone you don’t see face to face, I was iffy. But Scott never gave me any reason to worry! No account numbers were given, no address was required and no personal information aside from what the company knew me as. And I didn’t pay a cent out of pocket! The calls stopped, my debt was paid, and they were even able to get me a 500$ check for the annoying calls! I am so grateful i came across them, and it really helped me get back to where I knew I could be. The process was quick, Scott answered my questions quickly and was super easy to work with! As soon as the case was settled he called and gave me the good news! I highly recommended them!
- 🏆 Was being harassed by a shady debt collector for months, then they stated calling family members harassing them as well non stop called consumer rights law firm was connected with Matthew he did a fantastic job. Was very professional explained the whole process to me and best of all he guaranteed me I’d never pay anything out of pocket. The calls stopped immediately and he was able to get my debt waived. Whole process took less than 10 days 10/10!!! So glad I found this law firm.
- 🏆 I was harassed by a collection agency who refused to even tell me what it was about. They were very nasty. I contacted Consumer Rights Law firm. They reviewed my case and immeadiately took over. They stopped the calls and dealt with the collection agency. Consumer Rights promised I would have no out of pocket expenses and they kept their word. They kept in constant contact with me and explained everything. They did a great job. They are very professional and easy to speak with and contact. They settled my case favorably for me within 30 days. I highly recommend Consumer Rights Law firm for any consumer needs you may have or any problems where you are unfairly treated. They are very honest and responsive to your needs.
Common Questions
Is BCA Financial Services a legitimate company or a scam?
BCA Financial Services is a legitimate debt collection agency, but many consumers report aggressive and repeated calls that may feel like harassment.
Can BCA Financial Services call me before 8 AM or after 9 PM?
No. Under the Fair Debt Collection Practices Act (FDCPA), debt collectors are not allowed to call before 8 AM or after 9 PM.
What should I do if BCA keeps calling without verifying the debt?
You can send them a written request to verify the debt. Until they provide proof, they must stop contacting you.
Is it harassment if BCA Financial Services keeps calling me multiple times a day?
Yes. Repeated or continuous calls intended to annoy or pressure you are considered harassment under the FDCPA.
Can I dispute false information reported by BCA Financial Services on my credit report?
Yes. You have the right to dispute inaccurate debt or credit reporting, and they must provide proper validation of the debt.
