Business & Professional Collection Service: Who They Are and Your Rights

Type

Collection agency

Also known as

Business & Professional Collection Service Inc; Business and Professional Collection Service, Inc.; Hospital Collection Services

Headquarters

Reno, NV

Collects

medical bills, utility bills, government accounts, rent recovery, communications bills, education accounts, financial and commercial accounts

Phone numbers it lists

(775) 333-4250

Website

bpcollect.com

41 debt collection complaints were sent to the Consumer Financial Protection Bureau about Business & Professional Collection Service 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 Business & Professional Collection Service?

Business & Professional Collection Service, Inc. is a third-party collection agency at 816 S. Center Street in Reno, Nevada. Its website says it has helped businesses improve cash flow since 1961, and the Better Business Bureau shows a 1961 business start date, lists "Hospital Collection Services" as another name, and names Jack (Jay) J. Young as vice president and owner. The company says it is licensed and bonded, and its site lists agency license number CA10014 and NMLS company ID 2216582 among its credentials. We did not find a CFPB enforcement action against Business & Professional Collection Service.

Why Business & Professional Collection Service May Be Contacting You

The agency lists these client groups: health care, small business, utilities, government, financial, commercial, communications, education, legal and rent recovery, and it mentions casinos, accountants and manufacturers. Accounts it handles can include:

• a hospital, physician or other medical bill (possibly under the Hospital Collection Services name);
• a final water, power, phone or internet bill;
• a fee, fine or balance owed to a city, county or school;
• rent or damages a landlord claims after a move-out.

How to Check a Debt Business & Professional Collection Service Says You Owe

• Look at the validation notice for the client's name, the itemization date and how the balance was figured (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
• If the letter says "Hospital Collection Services," treat it as the same company and ask which provider and date of service it concerns.
• Dispute in writing within the validation period. Ask for the itemized bill and insurance history for medical accounts, the final meter read and closing statement for utilities, or the lease and deposit accounting for rent. See how to dispute a debt.
• Ask who owns the account and whether it has been sold.
• Check the time limit. In Texas, debt suits generally must be filed within four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Nevada and other states have their own rules.

What Business & Professional Collection Service Can and Can't Do

The agency collects consumer debts owed to its clients, which makes it a "debt collector" under 15 U.S.C. § 1692a(6). Debts owed to a government agency for services such as utilities can still be consumer debts.

• It may not imply that it is a government agency or acting for one with legal authority it does not have (15 U.S.C. § 1692e(1), (9)).
• It may not report a medical debt to a credit bureau before communicating with you about it (12 C.F.R. § 1006.30(a)).
• It may not share your debt with your employer or relatives, except to locate you (15 U.S.C. § 1692c(b)).
• It must stay within seven call attempts in seven days per debt (12 C.F.R. § 1006.14(b)(2)).

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 Business & Professional Collection Service 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

• Business & Professional Collection Service: home page and licensing
• BBB business profile: Business and Professional Collection Service, Inc.
• CFPB Consumer Complaint Database: Business & Professional Collection Service Inc, debt collection

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