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How to Beat BC Services

Dena Standley | October 19, 2022

Dena Standley
Legal Expert, Paralegal
Dena Standley, BA

Dena Standley is a seasoned paralegal with more than 20 years of experience in legal research and writing, having received a certification as a Legal Assistant/Paralegal from Southern Technical College.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

You when you beat BC Services ^^

Summary: Is BC Services coming after you for a debt? SoloSuit can help you know your rights, take a stand, and win in court.

"This is about a bogus $599.37 account that this BC services has been trying to collect, saying that I owe to some Company named IES that operates in Carrollton, Texas. I called several times to the Phone number for IES, and nobody answered, or it was a voicemail saying there was nobody to answer the phone. I have all documents from my Ins Company to prove that they paid for everything in the Hospital..."

Here's an example of a real complaint against BC Services from its Better Business Bureau® profile, posted in November 2020.

If you are facing a similar situation as the lady who posted the above comment about BC services, then you are in the right place. Discover below how to beat BC Services and regain your peace of mind. But first,

Who is BC Services?

BC Services, Inc. (BCS) is a Colorado-based collection agency. BCS provides payment resolution and collection services to a variety of businesses, including:

  • Utility companies
  • Financial service providers
  • Government entities
  • Commercial entities
  • Healthcare providers

BCS has received complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA), such as failing to verify debts and using false language to collect debts. The Better Business Bureau (BBB) has received 28 complaints against BC Services in the past three years.

Ensure you understand your rights before responding to a BCS notification regarding past collection items. Here are some of them:

Ask for written communication

According to federal law, you may request that BC Services Inc communicate solely in writing with you. By doing so, you keep your voicemail from filling up, and you also hold them accountable. Keep a paper trail of all correspondence for future references, like citing them throughout negotiations.

When BC Services calls you next, ensure they know you prefer to receive all correspondence via US-certified Mail. CFPB's debt collection rule requires creditors to provide certain information when communicating with you or soon after—at least five days later.

Send a Debt Validation Letter

Your next step in your fight against BC Services is sending a Debt Validation Letter. SoloSuit's Debt Validation Letter is the best way to respond to a debt collection agency like BC Services. Many debt collectors will give up after receiving it.

The Debt Validation Letter helps you determine if the debt is yours, and if it is not, allows you to dispute it. The letter should ask for:

  • A confirmation statement is a debt collection communication.
  • Debt collector contact information.
  • Original creditor's name–over one creditor may be listed.
  • The debt account number (if any).
  • Debt amount as of validation.

If you believe the BC Services did not provide the validation information, you can contact the Consumer Financial Protection Bureau (CFPB) online or by calling (855) 411-CFPB.

Negotiate a debt settlement with BC Services

If you owe, negotiating a settlement agreement with creditors like BC Services can help ease some of your financial burdens. Negotiating can reduce your total debt because debt collectors can settle for a fraction of the debt instead of getting nothing at all. Let's look at how you can negotiate a debt settlement, whether on your own or if you hire a mediator.

Consider these factors before settling your debt:

  • Can I afford to pay the negotiated amount?
  • Is it worth it to stop making payments (and suffer a drop in my credit score) so that I can save up for a lump sum?

If you decide to pursue debt settlement on your own, you don't want to contact BC Services immediately with an offer. Instead, visit SoloSuit's blog about making a debt settlement agreement. Consider these steps to improve your odds of a successful settlement.

  • Learn about your debt—Gather all information (receipts and invoices to understand the debt status. You can negotiate confidently if you know the numbers.
  • Clearly define your terms—Try to make an offer less than you are comfortable paying in full.
  • Complete the deal in writing—As soon as you reach a debt settlement agreement, send a letter to BC Services detailing the terms of the contract. Send the letter registered mail and request a return receipt, and keep a copy for your records.
  • Make your payment—It is essential to follow the debt settlement terms and make the payment on time.
  • Follow up with the credit bureaus—After making your payment, get a free copy of your credit reports from to check that your account was reported as agreed.

To learn more about how to settle a debt, check out this video:

It's doubtful that BC Services will file a lawsuit against you. Sometimes it happens, but it isn't expected. Bank and wage garnishments are limited under state and federal law, so don't be afraid to fight back against collection practices by BC Services.

Respond to a debt lawsuit against BC Services

If BC Services takes you to court, the first step to winning your case is to respond. Follow these three steps to ensure you have the best response possible:

  1. Answer each allegation, or claim, listed in the Complaint.
  2. Assert your affirmative defenses.
  3. File the Answer with the court, and send a copy to BC Services.

To learn more about these three steps, check out this video:

What is SoloSuit?

SoloSuit makes it easy to fight debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.

SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

Respond with SoloSuit

"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James

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