Settle BC Services Debt for Less: Step-by-Step Guide

BC Services is a large account receivables management company headquartered in Colorado. Receiving communication from a debt collector is never pleasant. Most people feel overwhelmed and ignore collection activities. The results can be catastrophic.

You can resolve your debt with BC Services. If they’ve contacted you by phone, mail, or lawsuit, you still have time to take action.

Settle Your BC Services Debt for Less

Don't let BC Services garnish your wages. Our partner Solo helps you negotiate a lower settlement amount and respond to lawsuits within your court deadline.

Settle Your Debt Now

What Is BC Services?

BC Services, Inc. (BCS) is a Colorado-based collection agency. BCS provides payment resolution and collection services to various businesses, including:

Utility companies
Financial service providers
Government entities
Commercial entities
Healthcare providers

Like all debt collectors, BCS is bound by the Fair Debt Collections Practices Act (FDCPA). The law outlines consumer protections you can use.

Who Does BC Services Collect For?

BCS collects for customers in the following industries:

Healthcare: hospitals, labs, and enterprise-level healthcare customers
Government entities: local, state, and federal agencies
Utilities: electric companies and telecommunication providers
Financial Services: commercial and investment banks nationwide

If you owe a debt to a company in these industries, BC Services may contact you. Understanding your rights before responding is critical. Here are some important protections.

Ask for Written Communication

Federal law allows you to request that BC Services Inc. communicate solely in writing. Doing so prevents voicemail harassment and holds them accountable. Keep a paper trail of all correspondence for future reference.

When BC Services calls you next, tell them you prefer certified mail. The CFPB’s debt collection rule requires creditors to provide certain information when communicating with you.

Send a Debt Validation Letter

A debt validation letter is the best way to respond to BC Services. It helps you determine if the debt is yours. If it’s not, you can dispute it. The letter should ask for:

A confirmation statement that this is a debt collection communication
Debt collector contact information
Original creditor’s name (more than one creditor may be listed)
The account number (if any)
Debt amount as of validation
The date of the last activity on the account

If BC Services did not provide the validation information, contact the Consumer Financial Protection Bureau online. You can also call (855) 411-CFPB.

Negotiate a Debt Settlement With BC Services

If you owe the debt, negotiating a settlement agreement can ease your financial burden. Our partner Solo can help you negotiate and reduce your debt. Debt collectors are often willing to settle for less instead of getting nothing.

Consider these factors before settling your debt:

Can I afford to pay the negotiated amount?
Is it worth stopping payments to save up for a lump sum?

Don’t contact BC Services immediately with an offer. Instead, follow these steps to improve your odds of successful settlement:

Learn about your debt: Gather all information (receipts and invoices) to understand the debt status
Clearly define your terms: Make an offer less than what you’re comfortable paying in full
Complete the deal in writing: Send a letter to BC Services detailing the settlement terms
Make your payment: Follow the debt settlement terms and pay on time
Follow up with the credit bureaus: Get a free copy of your credit reports from AnnualCreditReport.com

What Happens If You Don’t Respond?

BC Services can file a lawsuit against you. If you fail to respond in a timely manner, the court may award BCS a default judgment. They could garnish your wages or your bank account.

Respond to a Debt Lawsuit Against BC Services

If BC Services takes you to court, responding is the first step. Our partner Solo can help you draft an Answer and protect your rights. Follow these three steps:

Answer each allegation or claim listed in the Complaint
Assert your affirmative defenses
File the Answer with the court and send a copy to BC Services

You typically have 14 to 30 days to respond to a lawsuit. Missing this deadline can result in automatic judgment against you.

Read BC Services’ Online Reviews

Online reviews show how other consumers rate their experiences with BCS. The Better Business Bureau accredits BC Services, Inc. and maintains an A+ rating. You can see what other consumers are saying:

BC Services reviews with the Better Business Bureau
BC Services reviews submitted on the CFPB consumer database
BC Services reviews on Google

While most debt collectors get a bad rap, BC Services reviews show that communicating with the company’s agents helps. Negotiation is the best way to resolve a debt issue. Here’s a real example from Mike:

“The bad reviews made me not want to call these guys. But I am currently applying for a home loan. I was told that I have a $6,XXX medical bill in collections. I decided to call BC and the representative Viviana was very kind and professional. I offered her a settlement agreement of $3,500 to have my account paid off. She put me on hold for a few minutes. She came back and told me they accepted that offer! Her compliance team manager Ben emailed me with a full written copy. I made my settlement agreement payment and within minutes received an emailed receipt. I am pleased with my experience. Thank you guys for making this a quick and easy resolution!”

Mike’s example shows that BC Services is willing to negotiate and settle debt for less. But you must communicate openly and honestly to take advantage of debt resolution options.

If you don’t feel comfortable negotiating with BC Services debt collectors, you have options. Our partner Solo can help you negotiate online and protect your legal rights. They document the whole process while also streamlining it.

Frequently Asked Questions

What is BC Services?

BC Services, Inc. is a Colorado-based debt collection agency that provides payment resolution and collection services for healthcare providers, utility companies, government entities, and financial service providers. They are bound by the Fair Debt Collection Practices Act (FDCPA).

How do I validate a debt with BC Services?

Send a debt validation letter requesting confirmation that this is a debt collection, collector contact information, the original creditor's name, account number, debt amount, and the date of last activity on the account. BC Services must provide this information within five days of initial contact.

Can I settle my BC Services debt for less than I owe?

Yes, BC Services often accepts settlement offers for less than the full amount. Gather information about your debt, make an offer lower than what you can afford, get the agreement in writing via certified mail, and make your payment on time according to the settlement terms.

What happens if BC Services sues me?

If BC Services files a lawsuit against you, you typically have 14 to 30 days to respond. You must answer each allegation in the complaint, assert your affirmative defenses, and file your Answer with the court. Failing to respond can result in a default judgment, allowing BC Services to garnish your wages or bank account.

How do I stop BC Services from calling me?

You can request that BC Services communicate with you only in writing. When they call, tell them you prefer all correspondence via US-certified mail. Under federal law, they must honor this request.

How to Settle Your Debt With BC Services For Less