If you’re getting badgered by debt collectors, stay calm, we’re here to help. Calls and letters from BCA Financial Services can be scary, but there are tools at your disposal that can help. Let us guide you through who BCA Financial Services is, what rights you have, and how you can stop the calls for good.
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What is BCA Financial Services?
BCA Financial Services is a debt collection agency based in Palmetto Bay, Florida. They’ve been operating for over 75 years and specialize in collecting unpaid debts on behalf of other businesses or parties.
Other names for BCA Financial Services
BCA Financial Services may show up on your credit report under various names, including:
- BCA Financial Services
- BCA Financial Services, Inc.
- BCAFS
Who does BCA Financial Services collect for?
BCA Financial Services collects debt from unpaid accounts on behalf of businesses or individuals. They may collect debts including:
- Service fees
- Credit accounts
- Loans
- Utilities bills
- Medical bills
These are only a few examples of the kinds of debt BCA Financial Services may be pursuing from you. Make sure you receive a debt validation letter that clarifies exactly what and who you owe before you pay anything to BCA Financial Services.
Is BCA Financial Services a real company?
Yes, BCA Financial Services is a real company. They’ve been incorporated since 1956 and accredited by the BBB since 2017. 1 However, just because they’re a legitimate company doesn’t mean they’re using ethical practices to collect debts.
Many debt collectors engage in behavior that violates the Fair Debt Collection Act, such as harassing debt holders with persistent phone calls and letters. If you’re being contacted by BCA Financial Services, understand your rights so you can deal with them on your own terms and not be unfairly pursued by a debt collector.
How to deal with BCA Financial Services
Ready to take control of your debt with BCA Financial Services? Choose the methods you want to attempt below.
Dispute Collections If the debt is inaccurate, learn how to remove the collection from your credit report. | Stop Harassment If your rights are being violated, learn how to fight back using protections under federal law. |
Verify Debt If you're not certain the debt is yours, request more information (and temporarily stop collection efforts). | Pay Debt Collector If you're ready to pay up, learn how to do it in a way that keeps you on better financial footing. |
