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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!

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