Start My Answer

What is MCA Management Company? Here's How to Respond.

Sarah Edwards | November 15, 2023

Sarah Edwards
Legal Expert
Sarah Edwards, BS

Sarah Harris is a professional researcher and writer specializing in legal content. An Emerson College alumna, she holds a Bachelor of Science in Communication from the prestigious Boston institution.

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.

Summary: MCA Management Company is a third-party, family owned debt collection agency based in St. Louis, MO that has been in business since 1950. MCA specializes in medical debt collections. If you’re sick of getting calls from MCA Management Company, SoloSuit can help you resolve your debt once and for all.

Maybe you’ve just gotten a letter from MCA Management Company. Or maybe you’ve seen this company’s name pop up on your credit report. Either way, you know you want to resolve the situation right now.

But wait! Don’t rush to pay the debt. You have the legal right to make a debt collector prove you owe money before you pay anything. In some cases, you might not have to pay anything at all. Here’s how to deal with MCA Management Company.

Sued for medical debt? Respond to the lawsuit fast.

What is MCA Management Company?

MCA Management Company is a debt collection agency. It was founded in 1950 under the name Medical-Commercial Audit, Inc. Somewhat confusingly, it’s referred to as “MCA Collection Agency” in some places and as “Medical-Commercial Audit, Inc.” in others. As the name suggests, it mostly collects past-due medical bills.

The company is located in Missouri. Unlike many other collection agencies, it lists a P.O. box instead of a physical address. Its published address is P.O. Box 480, High Ridge, MO 63049, and Its phone number is 636-677-3000. Representatives can be reached at this number, but bear in mind that collection agencies like MCA will often call from other numbers.

A quick look at this company’s BBB Profile shows you that it isn’t quite as bad as some of the other collection agencies, with a rating of A+ and only around 30 complaints submitted in the last three years. That’s far fewer than many of the debt collection companies we’ve looked at!

MCA Management Company has an average rating of 3.8 out of 5 stars on Google reviews, which is also much better than most collection agencies. See some example reviews of MCA below:

Here are some of the highlights we noticed from MCA Management Company reviews:

  • Some consumers reported that paid bills hadn’t been taken off their credit reports.
  • Some report that MCA refused to validate debt when asked.
  • Some report that MCA has removed items from consumer credit reports only to put them back again.
  • One claimed that MCA would not give a physical address when asked.

However, it looks like MCA Management Company has taken steps to try to resolve many of these complaints.

We also looked into complaints filed with the Consumer Financial Protection Bureau (CFPB). At first, we searched for MCA Management Company and “M C A Management Company” (the company’s BBB profile lists the company name with the spaces between the letters).

But it wasn’t until we searched under the company’s original name, Medical-Commercial Audit, Inc., that we found any complaints. Between December 2011 and October 2023, the company has had 129 complaints filed against it. Here are some of the reasons given for those complaints:

  • Some consumers said debts were still showing up on their credit reports after they had been settled.
  • Some said MCA did not verify debt when asked.
  • Some reported receiving nonstop texts and calls.

It’s never a good idea to believe everything a debt collector says. But compared to some debt collectors, this one seems a little more reputable.

Check out SoloSuit’s short video on the best way to fight back against debt collectors!

What to do if MCA Management Company says you owe money

Debt collectors hope that you don’t know anything about the Fair Debt Collection Practices Act (FDCPA). This is a law that helps protect consumers like you against unscrupulous debt collectors. It grants you certain rights while limiting the strategies debt collectors can use.

The FDCPA is extremely detailed. Today, we’re just focusing on one aspect of it — it gives consumers the right to ask debt collectors to prove they owe a debt. If a debt collector can’t prove that you owe a certain debt, you don’t have to pay it.

If MCA Management Company says you owe money, don’t pay anything until the company proves it. Instead of asking for proof over the phone, you need to send a Debt Validation Letter. In this letter, ask for six things:

  • The name of the original creditor (the company you owed money to before it turned the debt over to collections).
  • The exact amount you owe.
  • A signed (by you) copy of your original contract with the creditor.
  • The most recent payment or transaction on the account.
  • Proof that MCA is legally allowed to collect the debt.
  • MCA’s license number to operate in your state.

Unless you’re a lawyer, it’s hard to write a Debt Validation Letter that’s clear and professional-sounding enough to get the result you’re after.

Don’t worry — SoloSuit’s Debt Validation Letter template can help!

What you do next depends on how (or if) MCA responds. Let’s consider an example.

Example: Caitlin gets a call from MCA Management Company claiming that she owes $534 on an unpaid medical bill. Because Caitlin reads SoloSuit’s blog, she knows that she should send a Debt Validation Letter before she does anything else. MCA isn’t able to prove that Caitlin owes the debt. The company will likely stop bothering her (and if the debt is showing up on her credit report, it will probably come off).

Suppose that you’re not as lucky as Caitlin in our example and that MCA sends the proof you ask for. You need to address the debt — if you do nothing, MCA could win a debt lawsuit against you.

Instead, use SoloSettle to draft a settlement offer. Start by offering a percentage of the debt, and SoloSettle will help you negotiate. When you and MCA agree on a number, you can pay through the app and work on rebuilding your credit.

Take charge of your financial future and resolve your debt

Dealing with debt is stressful and unpleasant. But it’s worth taking some time to address it. Once you face your debt with MCA Management Company, you can move on with your life.

There’s still hope if you’ve been sued — check out SoloSettle by SoloSuit!

Settle with SoloSettle

Make an Offer

How to Answer a Summons for debt collection in all 50 states

Here's a list of guides on how to respond to a debt collection lawsuit in each state:

The Ultimate 50 State Guide

Guides on how to resolve debt with every debt collector

Are you being sued by a debt collector? We’re making guides on how to resolve debt with each one.

Resolve your debt with your creditor

Some creditors, banks, and lenders have an internal collections department. If they come after you for a debt, Solosuit can still help you respond and resolve the debt. Here’s a list of guides on how to resolve debt with different creditors.

Get debt relief in your state

We’ve created a specialized guide on how to find debt relief in all 50 states, complete with steps to take to find relief, state-specific resources, and more.

Debt collection laws in all 50 states

Debt collection laws vary by state, so we have compiled a guide to each state’s debt collection laws to make it easier for you to stand up for your rights—no matter where you live.

Check the status of your court case

Don’t have time to go to your local courthouse to check the status of your case? We’ve created a guide on how to check the status of your case in every state, complete with online search tools and court directories.

How to stop wage garnishment in your state

Forgot to respond to your debt lawsuit? The judge may have ordered a default judgment against you, and with a default judgment, debt collectors can garnish your wages. Here are our guides on how to stop wage garnishment in all 50 states.

How to settle a debt in your state

Debt settlement is one of the most effective ways to resolve a debt and save money. We’ve created a guide on how to settle your debt in all 50 states. Find out how to settle in your state with a simple click and explore other debt settlement resources below.

How to settle with every debt collector

Not sure how to negotiate a debt settlement with a debt collector? We are creating guides to help you know how to start the settlement conversation and increase your chances of coming to an agreement with every debt collector.

Other debt settlement resources

Personal loan and debt relief reviews

We give a factual review of the following debt consolidation, debt settlement, and loan organizations and companies to help you make an informed decision before you take on a debt.

Guides on arbitration

If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.

Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.

Stop calls from debt collectors

Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them.

Civil law legal definitions

You can represent yourself in court. Save yourself the time and cost of finding an attorney, and use the following resources to understand legal definitions better and how they may apply to your case.

Get answers to these FAQs on debt collection

How-to debt guides

Learn more with these additional debt resources

Not sued yet?

Use our Debt Validation Letter.

Out Debt Validation Letter is the best way to respond to a collection letter. Many debt collectors will simply give up after receiving it.

Let's Do It

It only takes 15 minutes.

And 50% of our customers' cases have been dismissed in the past.

"Finding yourself on the wrong side of the law unexpectedly is kinda scary. I started researching on YouTube and found SoloSuit's channel. The videos were so helpful, easy to understand and encouraging. When I reached out to SoloSuit they were on it. Very professional, impeccably prompt. Thanks for the service!" - Heather

Get Started