Respond to BCA Financial Services Debt Collector

BCA Financial Services claims you owe money. You don’t have to panic or pay immediately.

You have rights under federal law. You can challenge the debt and potentially reduce what you owe.

BCA Financial Services Filed a Lawsuit Against You?

Don't let BCA win by default. You have 14-30 days to respond to the court summons. Draft your Answer today and force BCA to prove their case.

Respond to BCA Now

What Is BCA Financial Services?

BCA Financial Services is a Florida-based debt collection agency operating since 1944. The company primarily collects medical debts for healthcare providers.

BCA handles collections for hospitals, urgent care centers, and doctor’s offices. Medical debt collectors can add stress to already difficult situations.

Here’s how to contact BCA Financial Services:

Address: 18001 Old Cutler Road #462, Palmetto Bay, FL 33157
Phone: 305-909-2200
Email: info@bcafs.com

Is BCA Financial Services Legitimate?

Yes, BCA Financial Services is a real company. The Better Business Bureau has accredited them since 2017.

BCA holds an A+ BBB rating with relatively few complaints. However, consumers have reported issues with the company.

The Consumer Financial Protection Bureau shows 145 complaints filed against BCA between 2011 and 2023. Common issues include:

Refusing to verify debts when requested
Harassing consumers about debts they don’t owe
Failing to remove collection accounts from credit reports

Google reviews give BCA an average 3.5 out of 5 stars. Some consumers report positive experiences, while others describe problems.

Your Rights Under the Fair Debt Collection Practices Act

The FDCPA protects you from unfair debt collection practices. Debt collectors must follow specific rules when contacting you.

You can demand proof that you actually owe the debt. Collectors must stop contacting you until they provide verification.

The law prohibits harassment, false statements, and unfair practices. Violations can result in penalties for the collection agency.

Send a Debt Validation Letter to BCA

Your first step is requesting debt validation in writing. Our partner Solo can help you create this letter quickly.

Don’t make any payments before receiving validation. BCA must prove several key facts about your debt.

What to Request in Your Validation Letter

Your letter should demand the following information:

Name of the original creditor you supposedly owed
Exact amount BCA claims you owe
Copy of the original contract or agreement
Date and amount of the last transaction
Proof BCA has legal authority to collect
BCA’s collection license number for your state

BCA must respond with documentation proving the debt is yours. Many collection agencies can’t provide adequate proof.

If BCA can’t validate the debt, they must stop collection efforts. The debt may disappear entirely from your record.

What Happens After You Request Validation

BCA has 30 days to respond to your validation request. They cannot contact you during that time period.

Several outcomes are possible after you send your letter:

BCA provides proof and you negotiate a settlement
BCA can’t prove the debt and stops contacting you
BCA ignores your request, violating the FDCPA
BCA sells the debt to another collector

If BCA validates the debt, you’ll need to address it. You still have options beyond paying the full amount.

Negotiate a Settlement With BCA Financial Services

Debt settlement can save you significant money. Collection agencies often accept less than the full balance.

Our partner Solo helps you negotiate settlements with BCA and other collectors. You might settle for 40-60% of the original amount.

How Debt Settlement Works

You make an initial offer below the full balance. BCA reviews your offer and responds with acceptance or counteroffer.

Negotiations continue until you reach an agreement. Get any settlement in writing before sending payment.

Settlement typically requires a lump sum payment. Some collectors allow payment plans for settled amounts.

Settled debts may show on your credit report. The impact is less severe than unpaid collections or judgments.

Alternative Options for Resolving Your Debt

You can request a payment plan if you can’t pay immediately. BCA may agree to monthly installments you can afford.

Paying the full amount ends the matter quickly. You’ll have proof the debt is satisfied.

You can dispute the debt if you believe it’s inaccurate. BCA must investigate your dispute with the credit bureaus.

Never ignore communication from BCA Financial Services. Ignoring collectors can lead to lawsuits and wage garnishment.

What If BCA Financial Services Sues You?

BCA may file a lawsuit if you don’t respond. You’ll receive a court summons with a deadline to answer.

You must respond to the lawsuit within the deadline. Failing to answer results in a default judgment against you.

Our partner Solo helps you draft and file an Answer to debt collection lawsuits. An Answer is your written response to the court.

Your Answer should include defenses against the lawsuit. Common defenses include statute of limitations and lack of proof.

Responding to the lawsuit forces BCA to prove their case. Many collectors can’t meet the burden of proof in court.

Protect Yourself From Collection Harassment

BCA cannot call you at unreasonable hours. Calls before 8 AM or after 9 PM violate federal law.

You can tell BCA to stop calling you at work. Put your request in writing for documentation.

Collectors cannot threaten you with arrest or violence. They cannot falsely claim to be attorneys or government officials.

Document every interaction with BCA Financial Services. Keep records of calls, letters, and payment attempts.

Report FDCPA violations to the CFPB and your state attorney general. You may have grounds to sue for damages.

Check Your Credit Report for BCA Collections

Collection accounts damage your credit score significantly. Check your credit reports from all three bureaus.

You can dispute inaccurate information on your credit report. Credit bureaus must investigate disputes within 30 days.

Paid collections remain on your report for seven years. Unpaid collections also stay for seven years from the original delinquency date.

Removing collection accounts can boost your credit score. Negotiate removal as part of your settlement agreement.

Take Action on Your BCA Financial Services Debt Today

Dealing with debt collectors creates significant stress. The sooner you address the issue, the better you’ll feel.

Start by requesting debt validation from BCA. Don’t let collectors pressure you into immediate payment.

You have more power than you think. Federal law protects you from abusive collection practices.

Take control of your financial situation now. You can resolve debt with BCA on your terms.

Frequently Asked Questions

What is BCA Financial Services?

BCA Financial Services is a Florida-based debt collection agency that has been collecting debts since 1944. The company primarily handles medical debt collections for hospitals, urgent care centers, and doctor's offices. BCA holds an A+ BBB rating but has received complaints about refusing to verify debts and collection harassment.

How do I validate a debt with BCA Financial Services?

Send a written debt validation letter to BCA requesting proof of the debt. Your letter should ask for the original creditor's name, exact amount owed, copy of the original contract, date of last transaction, proof of BCA's legal authority to collect, and their state license number. BCA has 30 days to respond and cannot contact you during that period.

Can I settle my debt with BCA for less than I owe?

Yes, BCA Financial Services often accepts settlement offers for less than the full balance. Many consumers successfully negotiate settlements for 40-60% of the original debt amount. Make your initial offer in writing and continue negotiations until you reach an agreement. Always get the settlement terms in writing before sending payment.

What happens if BCA Financial Services sues me?

You must respond to the lawsuit by filing an Answer with the court before the deadline stated in your summons. Failing to respond results in a default judgment against you. Your Answer should include defenses such as statute of limitations or lack of proof. Responding forces BCA to prove their case in court, which many collectors cannot do.

How do I remove BCA Financial Services from my credit report?

You can dispute inaccurate collection accounts with the credit bureaus, who must investigate within 30 days. If BCA cannot verify the debt, it must be removed. You can also negotiate removal as part of a settlement agreement. Collection accounts remain on credit reports for seven years from the original delinquency date, whether paid or unpaid.

How to Respond to BCA Financial Services Debt Collector