Be informed about your consumer rights! If BCA Financial Services calls, you may want to be prepared.
If you are so deep in debt that your credit cards, student loans, and other accounts have gone into collections, debt collectors will soon start reaching out to you, and not always politely.
Don’t let them pressure you into payments you can’t afford: if they go so far as to harass you, you have the legal right to tell them to stop.
Your Rights Under the FDCPA
In 1977 Congress passed the Fair Debt Collection Practices Act, or FDCPA. This consumer protection law gave indebted consumers the right to dispute a debt and made it illegal for third-party debt collectors to use pressure tactics like those below:
- Calling at unreasonable and inconvenient hours
- Using obscene or profane language
- Threatening action they are not in a position to legally take
- Contacting you after you have formally requested that all communications cease
- Calling you before 8:00 a.m. and after 9:00 p.m. in your time zone
- Reporting false information to the credit bureaus
Company Profile: BCA Financial Services
BCA Financial Services is a debt collection company located in Palmetto Bay, Florida. It was established in 1956, has approximately 135 employees, and is managed by its President, Pamela Kirchner.
Records on file at the PACER (Public Access to Court Electronic Records) website indicate that many consumers who believed they were being harassed by BCA Financial Services refused to pay debts they did not owe or could not afford.
Alleged Violations against BCA Financial Services
According to PACER**, in May 2015 a Florida resident received a collection letter from BCA Financial Services that demanded payment of a medical debt she had already settled with the original creditor.
Despite her insistence that she did not owe it, the agency allegedly sent another demand letter the following month.
Feeling harassed by BCA Financial Services, she hired a consumer attorney and sued the company for allegedly violating the FDCPA by using false, deceptive and misleading means to collect a debt.
The matter was later closed.
Hire an Attorney
The phone numbers for this debt collection agency are as follows:
If any of them appear on on your caller ID when the phone rings, be aware that you are being called by BCA Financial Services. If they demand payment of a settled debt, hire a consumer attorney.
If you decide to file a claim against BCA Financial Services, the court could award you $1,000 per FDCPA violation plus legal costs.
When you know you don’t owe a debt, a consumer attorney can help you stop a collection agency from harassing you for good.
**Case taken from PACER (www.pacer.gov). File number is Case 9:15-cv-81090-DMM from the United States District Court for the Southern District of Florida.
*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 BCA Financial Services, or any other third-party collection agency, you may not be entitled to any compensation.