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BCA Financial Services


PO Box 1037
Bloomfield, NJ 07003-1037

18001 Old Cutler Rd Ste 462
Miami, FL 33157-6437

Contact Them:

(973) 429-7616
(305) 909-2200

Many Americans like you are being contacted by collection agencies who are trying to get payments on defaulted accounts they have acquired or been assigned. Even though you may owe a debt, you still have rights.

You should dispute the debt in writing if you feel as if the dollar amount the collection agency is requesting is inaccurate, if you feel the debt is not owed or if you feel the debt is fraudulent. You can send a letter to the collection agency within thirty days of first being notified of the collection. You should send this letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. There are many things collection agencies cannot do or say when contacting you. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you repeatedly;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt;
  • threaten to have you arrested or imprisoned.

    If any of these things occur, your best option is to consult with a consumer protection attorney.


    1. Alice C. on March 22, 2015 at 2:20 pm

      BCA Financial Services refuses to give this bill back to the original creditor so that my health insurance company can pay it. BCA Financial Services says I must pay out of pocket even though my insurance says once a claim is made it will be paid by my insurance. I contacted BCA Financial Services with the insurance information and BCA Financial Services said they do not bill insurance and I must pay out of pocket. I then called the hospital and they said they cannot bill the insurance anymore because they signed the account over to BCA Financial Services. The only way they could bill insurance is if BCA Financial Services signs the claim over to them. I called BCA Financial Services and asked to speak to a manager. The manager at BCA Financial Services said they will ask their “insurance agent” to verify that insurance and then they will let the hospital know that they can bill my insurance. Later I spoke to an agent at BCA Financial Services who said he forwarded my insurance information to the hospital so they can bill. I called the hospital to find out what happened, and they said BCA Financial Services never contacted them to bill insurance. So I called the collection agency again and Wanda K. at BCA Financial Services said the insurance agent is still “verifying” my insurance and will let the hospital know to bill my insurance once insurance is verified. Wanda at BCA Financial Services later said the hospital is billing my insurance. I never heard back, and when I called BCA Financial Services again they repeated the same line that the insurance did not pay and I am responsible. I asked to speak to their insurance agent, but they said that the agent does not deal with clients. When I called my insurance, they said a claim was never put through, and they don’t see why there should be a problem. I called again and George at BCA Financial Services admitted that my insurance was never billed. George at BCA Financial Services said he will speak to their “insurance agent” again and get back to me within the hour. Over an hour later, I called BCA Financial Services back and they said the insurance agent is “working on my case” and he will call back soon. I did not hear back from him again. So tired of this.

    2. Natalie W. on May 6, 2015 at 9:53 pm

      I received a notice regarding a debt to a hospital for which BCA Financial Services was collecting. I called BCA Financial Services the day I received the notice. My credit score dropped by 100 points because of BCA Financial Services.

    3. Robin F. on June 18, 2015 at 10:39 pm

      I received a letter from BCA Financial Services regarding a hospital bill. My credit score dropped by 100 points because of BCA Financial Services’ credit reporting, which I don’t believe is accurate.

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    Vullings Law Group, LLC d/b/a VullingsLaw is not responsible for the content of the consumer comments provided here.  Vullings Law neither supports nor provides any opinion as to the statements made herein.