BCA Financial Services, Inc. is a healthcare-focused collection and revenue cycle company based in the Miami area that says it has operated since 1944. It works for hospitals and health systems, so its letters usually concern a patient's self-pay balance.
- Type
- Collection agency
- Also known as
- BCA Financial Services, Inc.
- Headquarters
- Miami, FL
- Collects
- hospital and health system patient balances
- Phone numbers it lists
- (305) 909-2200
- Website
- bcafs.com
39 debt collection complaints were sent to the Consumer Financial Protection Bureau about BCA Financial 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 BCA Financial Services?
BCA Financial Services, Inc. is a collection and accounts receivable company at 18001 Old Cutler Road, Suite 462, in the Palmetto Bay area of Miami, Florida. Its website says it has operated since 1944, describes three generations of family leadership, and calls the company woman-owned. The Better Business Bureau lists Pamela Kirchner as president. BCA says it is a member of ACA International and the Florida Collectors Association, and its site states that its communications come from a debt collector. We did not find a CFPB enforcement action against BCA Financial Services.
Why BCA Financial Services May Be Contacting You
BCA offers three services: extended business office programs, collection services and insurance resolution. Its website says it works largely with healthcare providers, including hospitals and health systems, and handles self-pay patient collections. That means BCA may contact you in two different roles. Under an extended business office arrangement, it may be billing on the hospital's behalf before the account is treated as bad debt. In a collection placement, it is collecting a balance the hospital has given up trying to collect itself. BCA's site has a patient and consumer contact form, and its listed phone number is (305) 909-2200.
How to Check a Debt BCA Financial Services Says You Owe
Hospital balances frequently change after insurance appeals, charity care reviews or coding corrections, so make sure the figure is current.
- Ask which role BCA is in. If it is billing as the hospital's business office, you may still be able to apply for the hospital's financial assistance or set up a plan directly.
- Get the validation notice once the account is in collection. It must name the creditor and itemize the debt (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing within the validation period and ask for the itemized hospital bill and your insurer's explanation of benefits. For a Texas facility, see Texas's itemized medical bill law.
- Check whether insurance was billed correctly. BCA's insurance resolution work exists because claims are often denied or underpaid.
- Know the time limit. In Texas, most debt suits must be filed within four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers cannot sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Florida and other states have their own periods.
What BCA Financial Services Can and Can't Do
When BCA collects past-due patient accounts for hospitals, it is a "debt collector" under 15 U.S.C. § 1692a(6). Whether the FDCPA covers it during early, pre-collection billing on the hospital's behalf can depend on the facts, such as whether the account was already in default when BCA received it.
- It may not collect any amount that your agreement or the law does not authorize (15 U.S.C. § 1692f(1)), so a contractual insurance adjustment that was never applied is worth raising.
- Paid medical collections and those under $500 should not show on your credit report under the bureaus' policies; see medical debt reporting changes.
- It may not reveal your medical debt to your employer or relatives (15 U.S.C. § 1692c(b)).
- For more on hospital debt, see can I be sued over medical bills in Texas?
If its collection seemed improper, see our Texas 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 BCA Financial 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
- BCA Financial Services: home page
- BCA Financial Services: About Us
- BBB business profile: BCA Financial Services, Inc.
- CFPB enforcement actions search: BCA
- CFPB Consumer Complaint Database: BCA Financial Services, Inc., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that BCA Financial Services has violated any law. Company details change; tell us if something here is out of date.