BCR collection agency - Do they have a good reputation?

Bureau of Collection Recovery or BCR is a collection agency offering accounts receivable management services. They are headquartered in the state of Michigan. Most people have had bitter experience with BCR collection agency and they have shared their experience with the guests and members of the Debt Consolidation Care community.

What allegations do they have against BCR collections?

The allegations against BCR collection agency are varied. The complaints against them range from calling consumers for wrong debts to harassing them over the phone. Let's take a quick look at the following experiences people have had with this collection agency:

• Calling the wrong person: As per the feedback shared by people, one of the predominant allegations against BCR is that they call the wrong people to collect debts. Like many others, a consumer received several annoying calls from BCR collections looking for a person he has never known! He told them that the person they are looking for does not live with him and asked them to stop calling him. But he kept getting those calls. Read more.
• Collecting debts that are paid off: A consumer says BCR collection agency called him to collect a debt worth $1000. He claims that he had paid off that debt with a different collection agency and had the documents to prove it. He believes that BCR is a scam company! Know more.
• Collecting debts which are false: A person alleges that the collection agency claimed that he owed AT&T money. But according to that person he never had any account with AT&T! Find in detail.
• Making calls at place of work: There has been allegations against BCR collections that they call people at work. Collection agencies are not allowed to call your office, if the office policy does not allow it. A consumer says that BCR not only called him at his place of work, but was also rude with his supervisor. Get the details.
• Harassment & threat to file lawsuit: A consumer complains that he received several harassing calls from the CA. The company representatives talked to him rudely and even threatened him of a lawsuit. Find out more.

Consumers have accused the BCR collection agency of collecting false debts or debts that have been paid off. But what if they are collecting a valid debt from you? Do you have to pay it off? How should you deal with the CA in that case? Read the following section and check out the answers to these queries:

How do you negotiate with BCR to settle a valid debt?

If the BCR collection agency validates the debt, you need to pay it off. Otherwise, your credit will be affected and the CA might also take legal action against you. In such a situation, you should negotiate with them to settle the debt for a lower amount. Given below are some points on how to negotiate a settlement with the CA.

1. Find out how much you can pay:
   Before you approach the BCR to settle the valid debt check out how much you can afford to pay. Prepare a budget and review your income and expenses thoroughly. Once you have decided how much you are going to pay, start negotiations by offering them less. Never offer money beyond what you can afford to pay. You should also be careful enough to not disclose your financial information like bank account details, etc. while negotiating with them.
2. Check how the debt will be reported:
   It is important that you talk to the CA regarding removal of the derogatory items from your credit report. Check with them if they will remove the negative information from the credit report once the debt is settled.
3. Insist on a written agreement:
   If the BCR collections agrees to accept your settlement offer, ask them to provide you with a written document clarifying the various terms of the agreement. It should clearly state the following:
   • The amount you have agreed to pay
   • How the money would be paid - in lump sum or in installments
   • How the payments would be made - through cashier's check or via electronic transfer
   • What if there is a breach of agreement, etc.

The written agreement will be legally valid and you should not sign it till the time you are fully aware of all the terms of the agreement.

You can contact the CA using the information given below:

BCR collection agency address: 7575, Corporate Way, Eden Prairie, MN 55344-2022.

Phone number: (800) 831-7311
Fax number: (952) 259-1133