BC Services: Who They Are and Your Rights

Type

Collection agency

Also known as

BC Services, Inc.; BCS

Headquarters

Longmont, CO

Collects

medical bills, government accounts, utility bills, financial services accounts

Phone numbers it lists

(303) 532-3500, (800) 732-0262

Website

bcservice.com

97 debt collection complaints were sent to the Consumer Financial Protection Bureau about BC SERVICES, INC. from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.

Who Is BC Services?

BC Services, Inc. describes itself as "an accounts receivable management company." Its office is at 550 Disc Drive, Longmont, Colorado 80503, and the phone numbers on its website are (303) 532-3500 and (800) 732-0262. The site lists a Nevada collection agency license (No. CAD11927) with a compliance manager certificate (CM12928), and it shows membership in ACA International, the collection industry's trade group.

Its services run from early billing work, such as insurance follow-up, denial handling and "early-out" self-pay accounts, through to payment resolution and collections on past-due balances. The company says it focuses on regulated industries: healthcare, government, financial services and utilities. On healthcare, it states that it has "over 50 years" of experience serving the industry.

Why BC Services May Be Contacting You

Because BC Services handles both early-stage billing and later collections, the first thing to work out is which stage your account is in. A message about an "early-out" balance may come while the provider still owns and manages the account. A letter that says it is from a debt collector means the account has been placed for collection. Either way, the creditor is most often a hospital, clinic or doctor, a public agency, a utility or a lender.

The company's website has a page for submitting a dispute or complaint, a communication preferences page, and a payment portal. Use the file or reference number on your letter whenever you contact it.

How to Check a Debt BC Services Says You Owe

Medical and utility bills often change after the fact, when insurance pays late or a deposit or credit is applied. So check the numbers carefully before you pay.

• Look for the validation notice. Once BC Services is acting as a debt collector, it must send a notice naming the creditor and itemizing the balance (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). Write down the dispute deadline it gives.
• Dispute in writing before that deadline. Ask for the dates of service or billing period, the original charges, and every payment, insurance adjustment and credit. The collector then has to verify the debt before continuing to collect.
• Ask who owns the account. Find out whether the provider or utility still owns it or whether it has been sold.
• Compare with your own records. Check your explanation-of-benefits statements or final utility bill. For Texas medical bills, see our note on the itemized-bill requirement.
• Check the age of the debt. Texas generally allows four years to sue on a debt (Tex. Civ. Prac. & Rem. Code § 16.004), and a debt buyer may not sue on a consumer debt after that period (Tex. Fin. Code § 392.307). Other states have different limits.

What BC Services Can and Can't Do

A company that regularly collects debts owed to others is a "debt collector" under the FDCPA (15 U.S.C. § 1692a(6)). When BC Services collects past-due accounts for its clients, that means:

• It may not threaten action it can't take or doesn't intend to take, or misstate what you owe (15 U.S.C. § 1692e).
• It may not add fees or interest that your agreement with the provider or utility or the law doesn't allow (15 U.S.C. § 1692f(1)).
• It may not call more than seven times in seven days about one account, or within seven days after a phone conversation about it (12 C.F.R. § 1006.14(b)(2)). See our guide to call, text and email limits.
• It must stop calling you at work once it knows your employer doesn't allow those calls (15 U.S.C. § 1692c(a)(3)).
• Credit reporting rules for medical collections have changed. See what the credit bureaus changed.

We did not find a CFPB enforcement action against BC Services. For help with a dispute, see how to dispute a debt with a collector or our FDCPA attorneys page.

We Sue Debt Collectors That Break the FDCPA

Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If BC Services or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.

Free FDCPA Case Review(214) 851-2250

Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.

Sources

• BC Services: home page
• BC Services: industry expertise
• CFPB enforcement actions list (checked all pages)
• CFPB Consumer Complaint Database: BC SERVICES, INC., debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that BC Services has violated any law. Company details change; tell us if something here is out of date.