If a company called BC Services has been calling you demanding payment, you may be pretty confused.
Who is this company? How did they get my information?
BC Services is a third-party debt collector that has been hired by a healthcare provider to whom you owe money to get you to make payments on a debt.
They are completely legitimate and can have a detrimental effect on your credit score.
To legally collect a debt from you, they must first report the debt to the major credit bureaus.
This will open a collection account on your credit report, which can cause your score to drop as much as 100 points.
Collection accounts are bad news for your credit score and your loan prospects. Lenders can see this account and make loan decisions because of it.
You may be turned down for loans and credit cards all because of this.
The best way to simultaneously stop their calls and improve your credit is to remove the collection account from your credit report.
What is BC Services?
Founded in 1925, BC Services is a small debt collection agency headquartered in Colorado Springs, CO.
They have about 10 employees at the headquarters location and are managed by president, Steve Boettcher.
BC Services mainly services health care providers and doctors’ offices. You will likely hear from them if you have an outstanding debt from a hospital or medical professional.
Much like other debt collectors, BC Services is not a welcome presence in the lives of its customers.
In recent years, they have accrued 26 complaints from the Better Business Bureau and 26 complaints from the Consumer Financial Protection Bureau (CFPB).
They were also served six civil lawsuits in 2016 alone.
When it comes to BC Services, the major issue is that they seem to have problems adhering to FDCPA guidelines.
The Fair Debt Collection Practices Act (FDCPA) protects consumers from aggression and intimidation by debt collectors.
If BC Services has violated your rights under the FDCPA, reach out to the CFPB and file an official complaint.
They will investigate the situation, and you may even be eligible for damages payouts.
If you are overwhelmed by dealing with negative entries on your credit report,
we suggest you ask a professional credit repair company for help.
Steps to Get BC Services off Your Credit Report
Here are the three steps to take in order to get the collection off your credit report and BC Services out of your life:
Know Your Federal Rights
Collection agencies don’t want you to know this, but the law actually protects you from their harassment.
The first thing you should do when you hear from BC Services is get to know your federal rights.
The Fair Debt Collection Practices Act (FDCPA) is a law that limits what debt collectors are permitted to do and say in pursuit of payment.
It prevents intimidation, harassment, deception, and obscenity as a means to coerce customers into paying up.
BC Services tends to disregard these rules under the assumption that you don’t know any better.
After all, they won’t get reported to the CFPB if you don’t know the rules in the first place.
Here are some of the things that BC Services is not allowed to do when they are collecting a debt:
- Use obscene or profane language
- Call at unreasonable hours
- Fail to respond to debt validation requests
- Threaten physical violence
- Intimidate you with legal action that they can’t take
- Threaten criminal charges
- Call after you’ve requested written communication
If BC Services does any of the above when trying to collect a debt, you have a right to report them to the CFPB.
You can also work with a lawyer and pursue financial damages if the abuse is extensive enough.
The importance of the FDCPA is to keep the debt collection process fair and professional.
Remind BC Services that you are aware of your rights and call them out if they overstep their bounds.
Send BC Services a Section 609 Letter
Among limiting collection tactics, the FDCPA also grants you the right to verify your debt with BC Services and the credit bureaus.
This is known as debt validation and can prevent you from paying a debt that isn’t yours.
Debt validation is an important step that many people neglect. It can identify any issues or errors on your credit report and remove them before they take too much of a toll.
BC Services may have some bad information on your collection account, which means you can have it removed from your record entirely.
You just need to act fast and make your request official.
To request debt validation, start by writing a debt validation letter.
Fill in the blanks with information from your account and send it to BC Services within 30 days of first contact.
BC Services should respond to your request within a month of receiving your letter.
If they are unable to provide validation, they must contact the credit reporting agencies and remove their account from your credit report.
Make a Pay-For-Delete Agreement
If BC Services is able to come back with validation, this is both good and bad news. The good news is that the debt is legitimate, and they aren’t attempting to swindle you.
The bad news is that you now have to pay up.
Despite this, you can use this as an opportunity to work with BC Services to delete their collection account from your credit report.
You may even be able to get away with paying less than the full balance.
Known as a pay-for-delete, this type of settlement strategy involves negotiating with a debt collector in order to clean up your credit report.
BC Services may be willing to remove the account if you agree to pay all or most of your debt balance.
To start negotiations, offer to pay BC Services around half of the total debt balance.
Work with them to come to a compromise on how much to pay in exchange for a full account deletion.
Once you come to a compromise, have them send you the full terms and conditions of the agreement on a company letterhead.
This will serve as proof that there is an agreement in place. God forbid things escalate to court, you can hand the judge this piece of paper.
BC Services should delete their account within a month of receiving your initial payment. Account deletions take time, but it shouldn’t take longer than 30 days.
If it does, reach out and remind them to uphold their end of the deal.
Ask For Help Dealing with BC Services
Debt collectors are tough eggs to crack. If you are having trouble reaching a settlement with BC Services, it may be time to bring in a professional.
Credit repair companies are professional negotiators that know exactly what it takes to get a collector to delete a collection account.
They will locate damaging accounts on your report and work with the agencies directly to remove the entry.
The trick when it comes to credit repair companies is picking the right one.
I recommend working with Lexington Law because of their track record of success and excellent customer service.
If you’re feeling lost when it comes to your credit, you’ve come to the right place.
We have plenty of helpful articles to help you improve your financial health and boost your credit score.