Disclosures
If you wish to communicate with us by telephone, please call 800.444.1944. Our hours of operation are Monday through Friday, 8 a.m. – 5 p.m. EST.
If you wish to communicate with us by mail, please send correspondence to:
BCA Financial Services, Inc.
18001 Old Cutler Road
Suite 462
Miami, FL 33157
We are required under certain State and Local Laws to notify consumers of those States or Localities of the following rights. This list does not contain a complete list of the rights consumers have under Federal, State, or Local Laws or regulations.
This is a communication from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose.
If your account relates to healthcare services, please know that many healthcare providers offer some form of financial assistance. If you would like assistance in determining if financial assistance may be available, call us at 800.444.1944.
California:
The state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before 8 a.m. or after 9 p.m. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at 1-877-FTC-HELP or www.ftc.gov.
You may request records showing the following: (1) that BCA Financial Services, Inc. has the right to seek collection of the debt; (2) the debt balance, including an explanation of any interest charges and additional fees; (3) the date the debt became delinquent or the date of the last payment; (4) the name of the creditor and the account number associated with the debt; (5) the name and last known address of the debtor as it appeared in the creditor’s records prior to assignment of the debt; and (6) the names of all persons or entities other than the debt collector to which the debt has been assigned, if applicable. You may also request from us a copy of the contract or other document evidencing your agreement to the debt.
A request for these records may be addressed to 18001 Old Cutler Road, Suite 462, Miami, FL 33157.
Please note that we do not sell personal information. For more information on how we collect, use, and disclose personal information subject to the California Consumer Privacy Act (“CCPA”), please click here.
For medical debt: Nonprofit credit counseling services may be available in the area.
Debt Collector License number 10934-99.
Colorado:
FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE HTTPS://COAG.GOV/OFFICE-SECTIONS/CONSUMER-PROTECTION/CONSUMER-CREDIT-UNIT/COLLECTION-AGENCY-REGULATION/.
A consumer has the right to request in writing that a debt collector or collection agency cease further communication with the consumer. A written request to cease communication will not prohibit the debt collector or collection agency from taking any other action authorized by law to collect the debt.
For Colorado residents: Our local office is located at 8690 Wolff Court, Suite 110, Westminster, CO 80031, 303.920.4763.
COLORADO LAW PROHIBITS CREDIT BUREAUS FROM REPORTING MEDICAL DEBT OR FACTORING MEDICAL DEBT INTO A CREDIT SCORE UNLESS THE CONSUMER REPORT IS TO BE USED IN CONNECTION WITH A CREDIT TRANSACTION THAT INVOLVES, OR THAT MAY REASONABLY BE EXPECTED TO INVOLVE, A PRINCIPAL AMOUNT THAT EXCEEDS THE NATIONAL CONFORMING LOAN LIMIT VALUE FOR A ONE-UNIT PROPERTY AS DETERMINED BY THE FEDERAL HOUSING FINANCE AUTHORITY.
Connecticut:
For hospital debt: Pursuant to Conn. Gen. Stat. §§ 19a-509b and 19a-673, financial assistance may be available from the hospital provider located in the correspondence we sent to you. If you think you may qualify for assistance under such a policy, please contact BCA Financial Services, Inc. at 800.444.1944.
District of Columbia:
You have the right to request all of the following concerning your debt:
(1) Documentation of the name of the original creditor as well as the name of the current creditor or owner of your debt;
(2) Your last account number with the original creditor;
(3) A copy of the signed contract, signed application, or other documents providing evidence of your liability and its terms;
(4) The date that your debt was incurred;
(5) The date of your last payment, if applicable; and
(6) An itemized accounting of the amount claimed to be owed including the amount of the principal, the amount of any interest, fees, or charges, and whether the charges were imposed by the original creditor, a debt collector, or a subsequent owner of the debt.
You may request the above information by contacting us by phone, mail, or email, at the following: 800.444.1944, 18001 Old Cutler Road Suite 462 Miami, FL 33157, customerexperience@bcafs.com.
You might have income or resources that are protected from being taken by debt collectors. These might include certain sources of income, funds, or property, including, but not limited to, Social Security, Supplemental Security Income (SSI), disability or unemployment benefits, veteran’s benefits, or child support payments. If you believe your property or income may be protected, you may wish to seek legal advice, including at a legal services provider or legal aid office, before paying this debt.
Illinois:
For medical debt: If you have any questions about the bill or wish to inquire about or to dispute any portion of this bill, you may contact BCA Financial Services, Inc. at 800.444.1944.
Massachusetts:
If you wish to discuss this matter, please call us at 800.444.1944 between the hours of 8 a.m. and 5 p.m. EST.
NOTICE OF IMPORTANT RIGHTS: You have the right to make a written or oral request that telephone calls regarding your debt not be made to you at your place of employment. Any such oral request will be valid for only ten days unless you provide written confirmation of the request postmarked or delivered within seven days of such request. You may terminate this request by writing to the debt collector.
For medical debt: If you are unable to pay this bill, please call 800.444.1944. Financial assistance may be available.
Minnesota:
This collection agency is licensed by the Minnesota Department of Commerce.
If you feel that your concerns have not been addressed, please contact BCA Financial Services, Inc. and allow us the opportunity to try and address your concerns at 800.444.1944 or you are welcome to email us at CustomerExperience@bcafs.com. Or, you have the option to address any concerns with the Minnesota Attorney General’s Office at 651.296.3353 or 1.800.657.3787.
New Mexico:
NOTICE OF RIGHTS PURSUANT TO THE SURPRISE BILLING PROTECTION ACT: Information about the Surprise Billing Protection Act, 2019 N.M. SB 337, can be obtained online at https://www.osi.state.nm.us/ or by contacting the Office of Superintendent of Insurance at 1120 Paseo de Peralta, Ste. 428, Santa Fe, NM 87501 or 1-855-427-5674.
The following information is available and will be provided to you upon your request: the service date; amount and nature of all charges; whether the patient is verified as having health insurance; whether the health care facility screened the patient for programs that assist with health care costs; and whether the health care facility or third-party health care provider has billed or will bill insurance or public programs that may assist with health care costs for the services provided.
New York State:
YOU MAY REQUEST LETTERS WE SEND TO YOU IN AN ALTERNATIVE, REASONABLY ACCOMODATABLE FORMAT SELECTED BY US OR THE PRINCIPAL CREDITOR SUCH AS LARGE PRINT, BRAILLE, AUDIO, COMPACT DISC, OR OTHER MEANS. TO MAKE SUCH A REQUEST, CALL US AT 800.444.1944.
Debt collectors, in accordance with the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq., are prohibited from engaging in abusive, deceptive, and unfair debt collection efforts, including but not limited to:
(i) The use or threat of violence;
(ii) The use of obscene or profane language; and
(iii) Repeated phone calls made with the intent to annoy, abuse, or harass.
If a creditor or debt collector receives a money judgment against you in court, state and federal laws may prevent the following types of income from being taken to pay the debt: Supplemental security income, (SSI); Social security; Public assistance (welfare); Spousal support, maintenance (alimony) or child support; Unemployment benefits; Disability benefits; Workers’ compensation benefits; Public or private pensions; Veterans’ benefits; Federal student loans, federal student grants, and federal work study funds; and Ninety percent of your wages or salary earned in the last sixty days.
New York State Department of Financial Services Regulations provides that you may dispute the debt and request substantiation of the debt at any time. To request substantiation of the debt, please write to us describing the reason for your dispute and mail your request to us at 18001 Old Cutler Road Suite 462 Miami, FL 33157.
City of Buffalo
This collection agency is licensed by the City of Buffalo. The license number is: CAG11-559971.
New York City:
This collection agency is licensed by the New York City Department of Consumer Affairs. The license 1370235-DCA.
We are able to communicate with consumers in English. We welcome consumers bring any translator they approve to communicate on their behalf. A translation and description of commonly-used debt collection terms is available in multiple languages on the New York City Department of Consumer Affairs website, www.nyc.gov/dca.
North Carolina:
North Carolina Department of Insurance permit number: 112092
For medical debt: Pursuant to N.C. Gen. Stat. § 131E-91, financial assistance may be available from the provider located in the correspondence we send to you. If you think you may qualify for assistance under such a policy, please contact BCA Financial Services, Inc. at 800.444.1944. Please inform us immediately if you have an active financial assistance application related to this debt.
Tennessee:
This collection agency is licensed by the Collection Service Board of the State Department of Commerce and Insurance.
Washington:
You have the right to request the original account number or a redacted version of the original account number assigned to the debt, the date of last payment, and an itemized statement. You may be eligible for charity care from the healthcare provider. Please contact us at 800.444.1944 for information on charity care.
Wisconsin:
This collection agency is licensed by the Division of Banking in the Wisconsin Department of Financial Institutions, http://www.wdfi.org.