MCA Management Company, also known as Medical-Commercial Audit, Inc. and MCA Collection Agency, is a collection agency near St. Louis that works for medical providers and other local businesses. A letter from MCA usually concerns an unpaid doctor, clinic or store bill in Missouri, Illinois or a nearby state.
- Type
- Collection agency
- Also known as
- Medical-Commercial Audit Inc; Medical Commercial Audit, Inc.; M C A Management Co.; MCA Collection Agency
- Headquarters
- High Ridge, MO
- Collects
- medical bills, retail and grocery accounts, business accounts receivable
- Phone numbers it lists
- (636) 677-3000
- Website
- mcacollectionagency.com
167 debt collection complaints were sent to the Consumer Financial Protection Bureau about Medical-Commercial Audit 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 MCA Management Company?
The CFPB's complaint database lists this company as Medical-Commercial Audit Inc. Consumers are more likely to see "MCA" or "MCA Collection Agency," the name on its website. Its BBB business profile lists the business as M C A Management Co., with Medical Commercial Audit Inc as an alternate name, a start date of July 15, 1950, and incorporation in 1987. The website says MCA is "based near St. Louis, MO" and has been "in continuous business since 1950." Its mailing address is PO Box 480, High Ridge, Missouri 63049, and its phone number is (636) 677-3000.
MCA's site says it offers collection services "in Missouri, Illinois, and surrounding states due to licensing," so it is a regional agency rather than a national one. Its website includes the standard notice that it is a debt collector.
We did not find a CFPB enforcement action against MCA Management Company.
Why MCA May Be Contacting You
As the old name "Medical-Commercial Audit" suggests, MCA handles both medical and commercial accounts. Its website lists accounts receivable, past-due accounts and bad-debt recovery among its services, and its client testimonials include a regional supermarket chain, a medical provider and a physician's office handling patient accounts.
The most likely reason to hear from MCA is an unpaid balance with a St. Louis-area health care provider, such as a clinic visit or a lab bill. A returned check or store account with a local retailer is another possibility. If you have moved to Texas or elsewhere, an old Missouri or Illinois bill can still follow you.
How to Check a Debt MCA Says You Owe
- Start with the validation notice. The FDCPA (15 U.S.C. § 1692g) and Regulation F (12 C.F.R. § 1006.34) require MCA to identify the creditor, itemize the debt and state your dispute deadline.
- Dispute in writing before the deadline if you do not recognize the provider, believe insurance should have paid, or already paid. MCA must stop collecting until it sends verification. Our guide to disputing a debt explains how.
- Ask who owns the account and what the original account or patient number was, so you can check it with the provider directly.
- Compare the balance to the itemized bill and your insurer's explanation of benefits, and question any interest or fees added after the fact.
- Check the limitations period. Texas generally allows four years to sue (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debts (Tex. Fin. Code § 392.307). Missouri and Illinois have their own rules, so an old bill may need a closer look.
What MCA Can and Can't Do
Because MCA collects debts owed to its clients, it is a "debt collector" under 15 U.S.C. § 1692a(6). Some specific limits:
- It may not report a medical debt to a credit bureau before first communicating with you about it (12 C.F.R. § 1006.30(a)). See the medical debt credit reporting changes.
- It may not imply a lawsuit is coming unless one is actually intended and allowed (15 U.S.C. § 1692e(5)).
- It may not contact third parties, such as relatives, about your bill except to locate you (15 U.S.C. § 1692c(b); more here).
- It must stop calling you if you tell it in writing to stop, except for limited notices (15 U.S.C. § 1692c(c)).
Learn more on 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 MCA Management Company 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
- MCA Collection Agency: home page
- BBB business profile: M C A Management Co. (business facts only)
- CFPB enforcement actions search: Medical-Commercial
- CFPB Consumer Complaint Database: Medical-Commercial Audit Inc, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that MCA Management Company has violated any law. Company details change; tell us if something here is out of date.