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.
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.
BCA Financial Services, Inc. Better Business Bureau
Who is BCA Financial Services, Inc.?
BCA Financial Services, Inc. is third party debt collector located in Plametto Bay, Florida. BCA Financial Services collect debts for various creditors, particularly in the healthcare sector, utilizing innovative technology and ensuring compliance with regulatory standards. 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
BCA Financial Services, Inc. is often referred to or searched for by other names. These include:
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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
- 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.
BCA Financial Services, Inc. Collection Tactics
If BCA Financial Services, Inc. engages in any of the following tactics, you may have a case. BCA Financial Services 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):
- Using profanity or abusive language
- Calling you before 8:00 a.m. or after 9:00 p.m.
- Calling you multiple times per week
- Talking to others about your debt
- 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 a different number 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 (Experian, Equifax, and TransUnion)
- Review your credit report for any inaccuracies or errors
- 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 report to ensure that it’s accurate and up-to-date.
Common Questions
Is BCA a scam? No, BCA Financial Services, Inc., a debt collection agency, has been in business for 25 years.
Can BCA Financial Services, Inc. garnish my wages? Yes, BCA can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts.
Can BCA sue me? Yes, BCA can sue you so long as the debt is within the statute of limitations
Can BCA report my debt to the collection bureaus? Yes, Debt collectors are allowed to place the collection account on your credit report
Can BCA arrest me? Debt collectors don’t have the authority to have you arrested for a debt. However, if you violate a court order, e.g. an order to appear in court, the judge can issue a warrant for your arrest. Depending on the laws in your state, you may be arrested for certain debts like unpaid child support or traffic tickets.
The following is a sample list of complaints filed against BCA Financial Services, Inc. in the past and can be found on Pacer.org.
0:10-cv-60150-KMM Baar v. BCA Financial Services
0:11-cv-60768-XXXX Beetle et al v. BCA Financial Services
2:13-cv-02548-FSH-MAH Caprio v. BCA Financial Services
2:17-cv-03545-JMV-MF Fenty-Dey El v. BCA Financial Services
3:15-cv-00014-CAR Mayfield v. BCA Financial Services
About Us
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.
Consumer Rights Law Firm Better Business Bureau
If you are interested in learning more about how to safeguard yourself and prevent harassment from BCA Financial Services, Inc. call us at (877)700-5790 for immediate assistance or visit our website at www.consumerlawfirmcenter.com
Success Stories
“I would highly recommend the Consumer Rights Law Firm to anybody that has been harassed! They were very professional and straightforward about my rights”.
“I had the pleasure of dealing with Consumer Rights Law Firm PLLC on 2 different occasions the staff were very courteous and helpful, and they were familiar with the Collection Agency’s in question and the harassment calls stop, I was even compensated. I would recommend this company to anyone going thru this type of harassment a very satisfied customer”.
“Because of a lie from a third-party debt collector that threatened me financially I nearly made the mistake of paying the debt collector money I couldn’t afford. The people here were friendly, knowledgeable and settled my case quickly. THANK YOU SO MUCH!!”
Check out the links below for more information:
https://consumer.ftc.gov/articles/debt-collection-faqs
https://consumerlawfirmcenter.com/dell-financial-services-phone-harassment-stop-robocalls/
https://consumerlawfirmcenter.com/discovery-financial-services-phone-harassment/
https://consumerlawfirmcenter.com/atlas-collections-phone-harassment/
https://consumerlawfirmcenter.com/premier-monetary-solutions-phone-harassment/
https://consumerlawfirmcenter.com/louisiana-recovery-services-debt-collection-harassment/
https://consumerlawfirmcenter.com/communications-credit-recovery-phone-harassment/
https://consumerlawfirmcenter.com/jack-harris-phone-harassment/
https://consumerlawfirmcenter.com/collections-recoveries-of-pleasantville-phone-harassment/
https://consumerlawfirmcenter.com/advocates-professional-services-phone-harassment/
