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How to Settle Your Debt With BC Services For Less

George Simons | January 29, 2025

George Simons
Co-Founder of SoloSuit
George Simons, JD/MBA

George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat.

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: To settle debt with BC Services for less, request debt validation, negotiate a lower amount and get the agreement in writing, and use tools like SoloSettle to protect your rights.

BC Services is a large account receivables management company headquartered in Colorado. It’s never fun to be on the receiving end of communication from a debt collector. Unfortunately, most people in this situation feel overwhelmed, so they decide to ignore collection activities. The results can be catastrophic.

Explore how Solo can help you resolve your debt with BC Services. If they’ve contacted you by phone, mail, or by serving a lawsuit, there is still time to take action.

Settle debt with BC Services

You can negotiate debt settlement at any stage of the collections process. SoloSettle makes it easy.

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What 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

Like all debt collectors, BCS is bound by the Fair Debt Collections Practices Act (FDCPA), which outlines consumer protections.

Who does BC Services collect for?

BCS collects for a variety of customers in the following industries:

  • Healthcare–hospitals, labs, and enterprise-level customers in the healthcare realm.
  • Government entities–government agencies are highly regulated, but BCS has the compliance knowledge to handle collections for local, state, and federal agencies.
  • Utilities–if you owe a past-due electric bill or an outstanding balance with a telecommunication company, you may hear from BC Services.
  • Financial Services–BCS collects debts for commercial and investment banks nationwide.

If you owe a debt to a company in any of the industries listed above, that company may hire BC Services to contact you and urge you to pay. 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 prevent your voicemail from filling up and hold them accountable. Keep a paper trail of all correspondence for future reference, such as 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

A debt validation letter is the best way to respond to a debt collection agency like BC Services. It 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 account number (if any).
  • Debt amount as of validation.
  • The date of the last activity on the account.

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 debt because debt collectors are often willing to 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 Solo'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. If you know the numbers, you can negotiate confidently.
  • Clearly define your terms—Try to make an offer that is 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 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 AnnualCreditReport.com to check that your account was reported as agreed.

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

BC Services can file a lawsuit against you. If you fail to respond in a timely manner, the court may award BCS a default judgment, allowing them to garnish your wages or your bank account.

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:

Read BC Services' online reviews

Online reviews provide a way to explore how other consumers rate their experiences when dealing with BCS. The Better Business Bureau accredits BC Services, Inc. and maintains an A+ rating. To see what other consumers are saying, visit:

While most debt collectors get a bad rap, BC Services reviews show that communicating with the company’s agents is the best way to resolve a debt issue and get BC Services off your credit report. Let’s look at a real example from a BC Services review from Mike:

“The bad reviews made me not want to call these guys. But I am currently applying for a home loan and was told that I have a $6,XXX medical bill in collections. I decided to call BC and the representative Viviana was very kind and professional and understanding of my situation. I offered her a settlement agreement of $3,500 to have my account paid off and for it to be removed off my credit report. She put me on hold for a few minutes and came back and told me they accepted that offer! She had her compliance team manager Ben email me with a full written copy agreeing to remove my medical bill off my credit report. I then made my settlement agreement payment and within minutes received an emailed receipt confirming the account payoff. I am pleased with my experience and hope that anyone else in a similar situation as mine can get the same customer service I received today. Thank you guys for making this a quick and easy resolution!”

Mike’s example shows that BC Services is willing to negotiate to settle debt for less and find a resolution that works for you. But it’s your responsibility to communicate open and honestly in order take advantage of the debt resolution options available to you.

If you don’t feel comfortable negotiating with BC Services debt collectors, you can use tools like SoloSettle to negotiate online, protect your legal rights, and document the whole process while also streamlining it.

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