Are you being called By BC Services, Inc.? Learn how to protect your rights!
The US debt collection industry generates billions of dollars a year. Most of this revenue comes from people who fall behind on credit card payments, mortgages, medical bills, and student loans. For these consumers, it’s a stressful situation made worse by calls from collection agencies.
If you have been contacted by a collection agency, bear in mind that under the FDCPA, you have certain rights that include freedom from harassment.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) forbids debt collectors from using abusive, and / or deceptive means to obtain money from you. Illegal actions include:
- Refusal to provide you with information about the debt upon request
- Calling you at work after you indicate that your employer does not allow personal calls
- Threatening to have you arrested or imprisoned
- Contacting you when you are being represented by an attorney in the matter
- Using abusive language
- Calling you before 8:00 a.m. and after 9:00 p.m. your time
Company Profile: BC Services, Inc.
If you are being called by BC Services, Inc., information about the company is below.
BC Services, Inc. is a debt collection agency located in Colorado Springs, Colorado. It was established in 1925, has less than 10 employees, and is managed by its President, Steve Boettcher.
Records retained by the PACER (Public Access to Court Electronic Records) website confirm that many people who believed they were being harassed by BC Services, Inc. hired consumer attorneys and faced the company in court.
Alleged Violations By BC Services, Inc.
According to PACER**, on or about August 12, 2013 BC Services, Inc. sent a Colorado resident a collection letter about a debt allegedly owed to Centura-Littleton.
In this letter, which was later produced as an exhibit, the agency stated:
“[u]nless, within 30 days after the receipt of this notice you dispute the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the creditor and by the Firm. If you notify us in writing within said 30 days that the debt or any portion thereof is disputed, we will obtain verification of the debt, or obtain a copy of a judgment against you, and we will mail such verification to you.
In addition, upon your written request within said 30 days, this Firm will provide the name and address of the original creditor if the original creditor is different from the current creditor.”
On or about September 9, 2013, BC Services, Inc. sent another collection letter. The Colorado resident replied by disputing the debt in writing and asking for documentation to validate the debt.
No documentation allegedly arrived, but BC Services, Inc. sent her another collection letter dated December 12, 2013.
On or about January 15, 2014 the Colorado resident notified BC Services, Inc., through her counsel, that she was represented by an attorney and provided the attorney’s contact details.
BC Services, Inc. acknowledged the representation by sending correspondence to her counsel dated February 7, 2014, but allegedly sent another collection letter to the Colorado resident directly.
Feeling harassed by BC Services, Inc., she hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Contacting her directly when she was represented by an attorney
- Failing to send a debt validation letter after the first communication
The matter was later dismissed.
Hire an Attorney
The phone numbers for this collection agency are:
If either of these numbers appear on your caller ID, be aware that you may be getting a collection call from BC Services, Inc. If they keep trying to collect a debt from you directly after you retain legal counsel, hire a consumer attorney.
If you file a claim against BC Services, Inc. with your attorney’s assistance and win, you could potentially be awarded $1,000 per violation as well as attorney's fees, court costs, and any actual damages. Don’t let the fact that you owe a debt make you forget that you have rights.
**Case taken from PACER (www.pacer.gov). File number is Case 1:14-cv-00571-KLM from the United States District Court for the District of Colorado.
*Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against BC Services, Inc., or any other third-party collection agency, you may not be entitled to any compensation.