April, 2019

BCA Financial Services, Inc. Named Finalist in Business Excellence Awards

BCA Financial Services, Inc. (BCA) was named one of seven finalists in the Family Owned Business category in the 2019 Business Excellence Awards sponsored by Chamber South, the chamber of commerce for greater south Miami-Dade County.

The ninth annual Business Excellence Awards honored local businesses for their great achievements and outstanding business practices in the South Miami community. The Family Owned Business category acknowledges businesses, second-generation or older, where executive leadership has been passed down, and show prospects of thriving through the next generation.

"We are honored to receive this nomination as we celebrate our 75th year in business," said Pam Kirchner, Chief Executive Officer. "Much of our company's success can be attributed to the solid foundation built by the company's founders. Due to the fundamental purposes and guiding principles that our organization was built upon, BCA has successfully passed through three generations of family ownership, and has been able to build mutual trust and respect amongst our clients and our staff resulting in a loyal team and strong partnerships."

April, 2019

BCA Financial Services, Inc. Celebrates 75th Anniversary

BCA Financial Services, Inc. (BCA) has reached an exciting milestone as the company celebrates 75 years in business.

Bureau of Credit Administration (later renamed as BCA Financial Services, Inc.) was founded in 1944 and purchased by William Hearne Sr. in October of 1950. In the 1960s, Hearne's son, William (Bill) Hearne Jr. put his mark, and name, on the business by becoming the next owner. In 1997, ownership was transferred to the current leadership team consisting of Pam Kirchner, Chief Executive Officer, and third generation owners, Kathy Kinggard, Chief Operating Officer, and Cindy Darley, Chief Financial Officer.

BCA is a company rich in history and family values. BCA's founding fathers, respected industry leaders, laid a foundation for a sustainable business based on a firm set of principles and values. They believed in fair, honest and ethical business practices and as a result, what started out as a small firm with 4 or 5 staff members, grew into a company that provides valuable services and employs nearly 200 people.

"There are a variety of factors that contribute to our success, including long-term dedicated staff members with a solid work ethic, always doing what is right especially when no one is watching, and our dedication to delivering an exceptional customer experience," said Pam Kirchner, Chief Executive Officer.

Today, BCA has a growing client roster, close to 200 employees, two office locations, and a bright future ahead.

March, 2019

BCA Financial Services, Inc. Applauds Staff on Employee Appreciation Day

BCA Financial Services, Inc. (BCA) celebrated the achievements and contributions of staff members on Employee Appreciation Day.

The BCA Management Team created custom notecards and hand delivered them to each staff member. These came with a personalized message of gratitude for the company's greatest assets who go above and beyond every day. Staff members also enjoyed donuts to start their mornings off right.

"Our staff members are the heart of our business," said Pam Kirchner, Chief Executive Officer. "We are grateful to have such a great team and were excited to have this day to show our appreciation for their hard work."

February, 2019

BCA Financial Services, Inc. Sponsors South Miami Arts Festival

BCA put its corporate culture on display, complete with branded banners, brochures, giveaways and for the challenge - a cornhole game that provided attendees an opportunity to get to know BCA staff while tossing bean bags. BCA displayed a colorful prize wheel that provided attendees the chance to score an Echo Dot.

The event provided BCA with a new platform to reach job seekers to discuss career opportunities, corporate values, and BCA's workforce.

"BCA has a passion for supporting our local community and the South Miami Arts Festival has been a staple in the community for 35 years," said Pam Kirchner, Chief Executive Officer. "We were delighted to sponsor this event and have the opportunity to connect and engage with our community while showing our support for the South Miami Rotary Club and local creatives and artists."

The South Miami Arts Festival is presented by the South Miami Rotary Club, a non-profit organization that sponsors local service projects with the goal of transforming the South Miami community into a better place. The proceeds from the festival fund college scholarships for local students and other local, national, and international service projects.

January, 2019

Pam Kirchner, CEO of BCA Financial Services, Inc. Featured in Daily Digest Article

Pam Kirchner, CEO of BCA Financial Services, Inc., was recently featured in Daily Digest, a comprehensive summary of everything going on in the collections industry published by

In the interview, Ms. Kirchner shared how she began her career in the accounts receivable management industry, some insight into her life as a CEO, and the best advice she's ever received.

To read the full article, click here.

November, 2018

BCA Financial Services, Inc. Celebrates Staff Milestones

BCA Financial Services, Inc. (BCA) recognized twelve employees who recently reached notable milestones of service with the organization. The years of service celebrated ranged from 10 to 35 years. These employees were honored at the company's annual milestone luncheon.

"When I first started with BCA, there were only 17 employees," said Odalys Alfonso, Director of Client Services who celebrated her 35th year with BCA. "I have truly enjoyed watching this organization grow and I trust the executive leadership team to further propel the company. I feel lucky for the opportunity to work for an organization that is built on integrity and honesty."

The milestone celebration served as a unique opportunity to bring the executive leadership team and BCA's tenured staff members together to celebrate their achievements, dedication, and loyalty through the years.

"We are deeply committed to maintaining longstanding relationships with our staff," said Pam Kirchner, Chief Executive Officer. "No matter which number is attached to the milestone, we are incredibly fortunate to have staff members who are so dedicated to our mission and values and who continue to want to grow with us."

November, 2018

BCA Financial Services, Inc. Hosts Thanksgiving Food Drive for Fifth Consecutive Year

Over 400 non-perishable food items were donated to The Miami Rescue Mission by BCA Financial Services, Inc. employees.

During the month of November, BCA hosted their annual Thanksgiving Food Drive to benefit The Miami Rescue Mission's "Pack the Pantry" initiative to help feed the homeless during the holiday season.

This is the fifth consecutive year BCA has hosted a food drive to benefit the non-profit organization. Since its first donation in 2013, BCA and its staff have donated thousands of food items to the Miami Rescue Mission.

Each year, The Miami Rescue Mission hosts a Thanksgiving banquet and a Christmas outreach to provide the homeless with the opportunity to join a holiday meal. During these two events, nearly 220,000 meals are served to the hungry and homeless in the South Florida area.

"It is especially gratifying during the holiday season to be able to help feed those in need," said Pam Kirchner, Chief Executive Officer. "We are so proud that our employees come together, especially during the holiday season, to support the hungry and homeless."

October, 2018

BCA Financial Services, Inc. Launches Fall into Wellness Program

Each year, BCA Financial Services Inc. (BCA) launches a voluntary wellness program to encourage and support staff members on their wellness journey. This past October, BCA began its annual wellness initiative with a month-long program entitled Fall into Wellness. During this program, staff members were encouraged to participate in different activities that created opportunities to put their wellness first.

As part of the program, BCA employees were encouraged to post a staff shoutout. Providing an avenue for staff members to recognize their peers helped cultivate meaningful workplace relationships. The staff shoutouts were posted on a board in the employee breakroom.

In addition, BCA offered a fun twist on the popular BINGO game to help increase levels of physical activity, improve eating habits, and enhance mental health. The BINGO game was a 30-day challenge with a goal of completing as many of the challenges/activities on the BINGO card as possible. The winners were entered into a raffle for fitness related prizes.

To provide staff the basics of nutrition, BCA hosted a certified nutritionist on site. The nutritionist communicated how to substitute ingredients, provided healthy recipes, and even conducted live cooking demonstrations. The staff enjoyed the healthy food samples they received and were excited to learn new recipes that they can incorporate into their diets.

Finally, BCA asked staff members to submit their favorite health recipe. At the end of the month, all recipes were compiled into a healthy recipe book and shared with the staff.

"Staff wellness is fundamental to our organization," said Pam Kirchner, Chief Executive Officer. "Our wellness programs are part of our ongoing effort to create a sense of community among our workforce and inspire and engage our staff to be their best and most productive selves."

September, 2018

BCA Financial Services, Inc. Executives Named Most Powerful Women in Collections

BCA's Chief Executive Officer, Pam Kirchner, and Chief Strategy Officer and General Counsel, Leslie Bender, were recently named two of the 20 Most Powerful Women in Collections by Collection Advisor magazine.

Of the 140,000 professionals in collections, nearly 70 percent are women, Collection Advisor reports. The professionals recognized by the magazine have "found success in their organizations and used that influence to create waves of change that ripple through the industry," according to the article.

"I am truly honored to be recognized amongst these dedicated and insightful industry leaders," said Ms. Kirchner. "It's been such a pleasure to experience the influx of competent women leaders into a once male dominated industry."

Both executives have extensive experience working in the accounts receivable management industry. As enthusiastic supporters of ACA International, Ms. Kirchner and Ms. Bender have served on numerous committees to advocate on behalf of the industry, help improve the industry's image, and educate members of the industry. Ms. Kirchner currently serves on ACA International's Board of Directors and Ms. Bender is a past president of the organization.

Read more about each recipient and their work in the account receivables management industry here.

August, 2018

BCA Financial Services, Inc. Hires New Chief Information Officer

BCA Financial Services, Inc. (BCA) is pleased to announce the hiring of Bill Nielsen as its Chief Information Officer. Mr. Nielsen will be responsible for the strategic direction of BCA's Information Technology department, including the successful delivery of technology initiatives and management of the department's operations.

Prior to joining the Company, Mr. Nielsen served as Vice Present of Global Voice and Data Services and IT Service Management at Alorica where he was responsible for a 200-person global team. Mr. Nielsen has more than 30 years of experience building and leading IT teams and integrating new and emerging technology.

"We are very excited to welcome Bill to the BCA family," said Pam Kirchner, Chief Executive Officer, BCA Financial Services, Inc. "His in-depth experience, skills and knowledge will help our organization thrive in an industry where the thoughtful implementation of technology can be a true differentiator."

August, 2018

BCA Financial Services, Inc. Donates Over 600 School Supplies to Chapman Partnership

BCA Financial Services, Inc. (BCA) announced that they have donated 640 school supplies to Chapman Partnership.

The company held a weeks-long "Cool for School" drive where staff members were encouraged to bring in school supplies that would go towards helping the students of Chapman Partnership excel in the 2018-2019 school year. The supplies ranged from crayons, colored pencils and markers to binders, spiral notebooks and composition books.

"BCA is proud to support the students in our community," said Pam Kirchner, Chief Executive Officer, BCA Financial Services, Inc. "Our company is very passionate about helping those in need and we are grateful for our staff's generosity in making a difference for these students, who are now better prepared for the new school year."

BCA believes in the mission of Chapman Partnership to empower their residents with dignity and respect to overcome homelessness. In the past, the company has hosted a variety of drives to collect items to donate to the residents of Chapman Partnership.

June, 2018

BCA Financial Services, Inc. Donates to St. Jude Children's Research Hospital in Honor of Late Founder

BCA Financial Services, Inc. (BCA) presented St. Jude Children's Research Hospital a monetary donation in honor of one the company's founders, William (Bill) Hearne Jr. The contribution was a result of the staff's fundraising efforts and a company match.

For the last two weeks in May, BCA held a companywide fundraising campaign, "Show Your Spirit for St. Jude" to benefit St. Jude. To raise funds, staff members participated in spirit days which included Tropical Tuesday, Wacky Hat Wednesday, Throwback Thursday, Favorite Band Friday and more. Staff members could also purchase raffle tickets to win a covered parking spot for 3 months.

"When Bill passed away last year, we made a commitment to annually donate to one of the charities he cared so deeply about as a way to commemorate him," said Pam Kirchner, Chief Executive Officer, BCA Financial Services, Inc. "I know he would be incredibly proud of the participation and generosity of our staff during this initiative, just as I am."

When BCA was founded in 1944, the founding fathers laid a foundation that was built on family and good corporate citizenship. They believed in giving more than receiving and always made sure to give to the organizations that were dear to their hearts. Bill believed that everyone deserved to have access to great healthcare, regardless of their financial situation. Because of this, he was very passionate about St. Jude.

May, 2018

Pam Kirchner, CEO of BCA Financial Services, Inc., featured in ACA International's Collector Magazine

Pam Kirchner, CEO of BCA Financial Services, Inc. was recently featured in the May edition of ACA International's Collector Magazine, the credit and collection industry's premier publication. The article, "Hire Like a Pro," discusses the universal challenge of recruiting and retaining talented staff members and how to address generational shifts in the workforce.

The article was a prologue to Kirchner's Hot Topic Session, Recruitment and Retention, hosted by ACA International. The executive discussed hiring and retention strategies in detail during the online seminar on May 17th.

In both the article and online seminar, Kirchner focused on the importance of the employee experience.

"If a company attends to its employee experience with the same level of discipline and intention that it does to its customer experience, the results can be seen across the board," Kirchner said.

To read the full article, click here.

April, 2018

BCA Financial Services Inc. Named Multicultural Workforce Winner

BCA Financial Services, Inc. was named the Multicultural Workforce Winner in the 2018 Business Excellence Awards sponsored by Chamber South, the chamber of commerce for greater south Miami-Dade County.

The Business Excellence Awards honor local businesses for their great achievements and outstanding business practices in the South Miami community. The Multicultural Workforce category recognizes businesses that focus on inclusion and the need to promote economic opportunity.

"We feel extremely lucky to have such a diverse workforce as we find ourselves armed with a variety of different perspectives, views and ideas that add strength to our ability to strategize, communicate and deliver at the highest standard," said Pam Kirchner, Chief Executive Officer, BCA Financial Services, Inc.

In addition to being named winner of the Multicultural Workforce category, BCA was among 11 finalists in the Family-Owned Business category. This category recognizes businesses founded and currently operated by the founder or a descendant.

December, 2017

BCA Financial Services, Inc. Launched Successful 10,000 Step Challenge to Promote Health and Wellness Among Employees

This past October, BCA Financial Services, Inc. (BCA), the well-known leader in accounts receivable management solutions, launched a voluntary 10,000 Step Challenge - an eight-week step challenge that encouraged all employees to walk more. This challenge was the first of its kind for the company and was designed to get staff members on the path to being more active.

Self-selected participants joined a team and were provided with pedometers to track their steps over the eight-week period. At the conclusion of each week, participants were asked to report their steps. The team that reached the step goal for that week would be entered into a raffle for a chance to win fitness related prizes such as Nike gym bags, Beat by Dre headphones and FitBits.

"The health and wellness of our employees truly matters to us," said Pam Kirchner, Chief Executive Officer, BCA Financial Services, Inc. "The 10,000 Step Challenge is just one of the many ways we hope to encourage our staff members to take steps toward a healthier life."

The program started with staff members being challenged to walk 3,000 steps each day for a period of seven days. Each week, the number of steps increased by 1,000 so by week eight, participants would be walking 10,000 steps totaling 70,000 steps a week.

"The step challenge has definitely motivated me to continue pushing myself on setting daily goals," said Rebecca Wu, BCA staff member. "Being part of a team in the step challenge made each of us feel more accountable and we decided to still work together on getting our daily steps in, even when the step challenge was over."

BCA is proud of the overwhelming participation in this heart-smart initiative. Over 72% of its workforce actively participated, enjoying mid-day walks on BCA's beautiful Cutler Bay area corporate campus. At the end of the eight weeks, there was a total of 27,557,475 steps reported.

October, 2016

BCA Financial Services, Inc. is proud to announce Leslie Bender has joined the organization as the Vice President of Government Affairs and General Counsel.

Leslie Bender, IFCCE, CIPP/US, CCCO, is an articulate corporate executive with over 30 years of experience handling compliance, regulatory, transactional and legal matters for hospitals and financial services companies. Recognized as a national expert on HIPAA and other information privacy and security laws, she was one of the first privacy officers internationally accredited as a Certified Information Privacy Professional. In addition to being an attorney and government/regulatory relations specialist, Leslie is an experienced mediator. Ms. Bender is a frequent motivational speaker and compliance educator and has been honored for her contributions to the consumer financial and healthcare industries by several credit, collections, healthcare and banking associations as well as the US Small Business Administration. ACA International recently honored Ms. Bender as its 2016 instructor of the year.

Leslie is a Past President of ACA International, the international trade association of credit and collections professionals. Leslie served as ACA's President in 2013-14, and as an officer of its Board of Directors from 2011-2015.

June, 2016

Pam Kirchner, CEO of BCA Financial Services elected to serve on the ACA International Board of Directors

ACA Council of Delegates Elects New Board of Directors Members

ACA International held its annual Council of Delegates meeting Thursday as part of the 2016 Convention & Expo in Denver, where it elected four people to the Board of Directors. Joining the Board for a three-year term are Kevin Baich, Pam Kirchner, Eric Mock. Dan Russell was re-elected to serve another term.

Baich is Vice President at Day Knight & Associates in Grover, Mo. Kirchner is CEO of BCA Financial Services, Inc. in Miami. Mock is the owner of Medical Business Bureau in Park Ridge, Ill. Russell is CEO and owner of CollectionCenter Inc. in Rawlins, Wyo.

"The men and women on ACA's Board of Directors have the leadership skills and forward-thinking mindsets that will help the association thrive for many years to come,"" said ACA International CEO Patrick J. Morris.


As a third generation business, we understand the importance of building long term partnerships with our clients. Combining industry leading technology and seventy plus years of experience, we give our customers the peace-of-mind security and infrastructure you would expect from a large company, with the flexibility and personalized service of a local business.


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