Are you receiving calls from 305-777-7100? If so, this guide can help you understand why you’re being called and what you can do to stop it.
The phone calls are coming from BCA Financial Services, Inc. BCA is calling you because they claim you owe a debt related to healthcare. This debt might be yours. It might be a debt you’ve already paid. It might not be yours at all. Whatever the truth may be, BCA would rather you didn’t ask.
BCA Financial Services is a third-party debt collection agency specializing in healthcare. This means they make their money by calling people like you on behalf of hospitals and healthcare providers. These hospitals and healthcare providers have written off your debt as uncollectable, so they contract BCA to collect it for them instead.
You are not alone if you’re getting these calls. RoboKiller has logged nearly 12,000 calls from 305-777-7100. Meanwhile, CallApp reports over 27,000 searches for this phone number.
Here’s what we know about the company behind the calls.
Company Name: BCA Financial Services Inc.
Type of company: Third-party debt collection agency (healthcare focus)
Year founded: 1944 (as Bureau of Credit Administration)
Location: 16025 S.W. 117th Avenue, Palmetto Bay, FL 33157 (Miami area)
CEO: Pamela Kirchner
Ownership structure: Privately held; woman-owned (WBENC-certified)
Number of employees: 120–200
Industry: Healthcare accounts receivable and medical debt collection
Known clients: Beth Israel Lahey Health, Mount Sinai Medical Center, Holy Cross Hospital, Jupiter Medical, Flagler/UF Health
Better Business Bureau (BBB) rating: A+ (accredited since April 2017; 11 complaints in the last 3 years)
Consumer Financial Protection Bureau (CFPB) complaints: ~145 (between December 2011 and November 2023)
BCA Financial Services has been the subject of federal lawsuits over its business practices. For example:
In the case of Ponce v. BCA Financial Services, the Eleventh Circuit Court of Appeals found BCA had violated the Fair Debt Collection Practices Act (FDCPA) three times. These violations included failure to provide written notice, contacting a third party, and making a false statement about insurance coverage.
In another case called Reyes v. BCA Financial Services, the company was sued under the Telephone Consumer Protection Act (TCPA) for allegedly using a predictive dialer to robocall the wrong consumer.
These behaviors are not anomalies. They are examples of a broader pattern you should be aware of before deciding how to proceed.
So why is BCA Financial Services calling you?
The reason for these calls is simple: BCA Financial Services believes you owe a debt related to healthcare. This debt could be for anything from a hospital visit to a doctor’s appointment, surgery, or another medical service.
BCA operates as a third-party collector for hospitals and health systems. When a hospital decides it is unlikely to collect a patient balance through normal billing procedures, it outsources the account to BCA. Once BCA has your account, the hospital washes its hands of you. From this point on, BCA is solely responsible for attempting to collect from you.
This has a couple of implications:
The original creditor is no longer involved in your debt. This means BCA has a direct financial incentive to collect as much as possible from you. It may not matter to the hospital whether you pay the full amount, a partial amount, or nothing at all.
As a third-party debt collector, BCA does not have the same access to documentation and records as the original creditor. This can make it harder for the company to verify what you owe, to whom, and the terms under which you owe it. When this happens, it is easier to remove the account from your credit report if you file a dispute with the credit bureaus.
In some cases, people receiving calls from 305-777-7100 say the debt is not even theirs. For example:
One complainant on the BBB website says, “I do not have any debt with BCA and I’m unsure why they are calling me.” Despite this, the complainant reports receiving more than 30 calls over the course of just two days.
A second consumer reviewed BCA Financial Services on PissedConsumer. According to the review, BCA was attempting to collect a debt that belonged to the consumer’s ex-spouse. Despite this, the reviewer says BCA called:
Their home phone “multiple times a day.”
Their cell phone “multiple times a day.”
Their place of work.
Their doctor’s office.
The consumer describes BCA’s behavior as “harassment.” These behaviors do not suggest a company that has verified the information it is using to contact you.
Now let’s look at what happens if you answer the phone or call 305-777-7100 back.
If you call this number, you will not speak with a live person. Instead, you will be connected to an automated recording. This recording prompts you to enter a code. Then it asks for the last four digits of your Social Security number.
Here’s how one consumer describes the experience on CallerCenter: “I called them back and they asked for a code (which I didn’t have) and then asked for the last 4 digits of my SSN (which I did not give them).”
Never give a debt collection agency any information about yourself. This includes your Social Security number, your birthdate, your employer, or the fact that you reside at a particular address. Information should only flow one way: from the debt collector to you. This should all happen in writing.
This is why phone calls are almost always to a debt collector’s advantage and your disadvantage. Phone calls: Leave no paper trail. Create plenty of opportunities for misunderstandings. Give experienced debt collectors the opportunity to get you to say something you didn’t intend to say.
For example, a simple statement like, “I think I might still owe money from that visit,” can be interpreted as an admission that you owe the debt. In some states, admitting that you owe a debt or making a partial payment toward a debt can reset the clock for the statute of limitations. This is another reason why it’s essential not to engage with a debt collector over the phone.
Instead, you should only communicate in writing or through your credit reports.
Here is a step-by-step playbook you can use to stop calls from 305-777-7100.
Step 1: Refuse to engage directly with BCA Financial Services.
Do not answer calls from 305-777-7100. Do not call 305-777-7100 back. Do not enter any codes or Social Security number digits into the automated system.
Consider blocking the phone number on your cell phone. However, be aware that BCA Financial Services uses other numbers, including: 305-909-2200, 800-444-1944, 888-277-8360.
Blocking one phone number may prevent calls temporarily. However, this is not a long-term solution. Your goal is to move the battle to the place where federal law puts the burden of proof on BCA Financial Services: your credit report. Direct engagement over the phone puts the leverage in the hands of the debt collector. A formal dispute puts the burden of proof on BCA.
Step 2: Get a copy of your credit report from each of the three major credit bureaus.
Review your credit reports from Equifax, Experian, and TransUnion. Pull them for free at AnnualCreditReport.com or use a paid service like Credit Karma or Credit Sesame.
Look for any accounts in your report from BCA Financial Services. For example, one consumer says on PissedConsumer that they discovered BCA had made a negative entry on their credit report when they applied for a home loan. According to the consumer, “Nowhere on the credit report does it say I owe them money or that they ever contacted me via phone or mail.”
If you find BCA Financial Services on your credit report, document everything. Take note of: The balance. The date of first delinquency. The original creditor. The status of the account.
If you do not find BCA Financial Services on your credit report, the company may be attempting to collect a debt it cannot verify.
Step 3: Dispute the debt with the credit bureaus.
Filing a formal dispute with the credit bureaus creates a legal obligation. Once you dispute the debt, the Fair Credit Reporting Act says the credit bureau must investigate within 30 days. At this point, BCA Financial Services (as the data furnisher) must verify the debt. Alternatively, the company must instruct the credit bureau to delete the account from your report.
This process plays to your advantage. As noted earlier, medical billing is an error-prone process.
One BBB complainant says BCA Financial Services attempted to collect an emergency room bill that included charges for bloodwork the hospital never performed. According to the complainant, “The majority of the charges were for items and/or services not provided.”
If the documentation does not exist to verify the charges or the documentation contains errors, BCA must have the entry deleted from your report. This is the outcome you want. Using professional help increases the odds that this outcome will happen.
The risk of trying this on your own.
You can dispute information on your credit report on your own. However, debt collectors respond to most disputes with a boilerplate verification that meets the minimum requirements under federal law. Without the right language and the right timing, your dispute may not trigger a meaningful investigation. Instead, you may receive a response that says, “Verified as accurate.”
Without specific knowledge of how the process works and what language to use, you may not get the outcome you’re looking for. A consumer advocacy professional understands how to force the debt collector to verify. Based on the pattern of complaints against BCA Financial Services, there’s a good chance this is a company where advocacy can make a difference.
Time may already be working in your favor.
Finally, do not forget this: Time is on your side. Medical debt has a statute of limitations that varies by state. Additionally, collection accounts can only stay on your credit report for seven years. The older your debt gets, the harder it becomes for a debt collector to sue you over it.
BCA Financial Services very rarely sues consumers in court. Instead, the company makes money by placing enough calls to get some consumers to pay some money. If you refuse to engage and do not reset any statutes of limitations, time is an ally that works against BCA with every passing month.
In conclusion, here’s what you need to know.
BCA Financial Services is calling you from 305-777-7100. The company believes you owe a medical debt and is attempting to collect it from you. Your goal should be to force BCA Financial Services to verify the debt through your credit report. This is where the burden of proof is on the debt collector, not on you.
Do not call the company back. Do not give the company your Social Security number or any other identifying information. Instead, secure your credit reports and engage through the formal dispute process. This is how you take control today.
If you need help in stopping calls from BCA Financial Services and removing its negative mark from your credit report, contact our team at FightCollections.com today.
