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SCA Collections, Inc is a third-party collection agency based in North Carolina that specializes in collecting delinquent accounts for healthcare providers. SCA has received consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA) such as failure to verify debts and attempting to collect debts not owed. If you have been contacted by this debt collector, make sure you understand your rights before taking action.
According to the Better Business Bureau (BBB) SCA Collections is a legitimate collection agency founded in 1980 and incorporated in 1981 in Greenville, NC. The BBB opened SCA’s profile page in 1998. SCA is listed as a corporate collection agency with 10 employees.
According to its website, SCA Collections “specializes in accounts receivable services and debt recovery in the medical industry,” and offers “a portfolio of customized collections services designed to maximize…recovery results, improve…cash flow, and strengthen…profitability.”
SCA’s healthcare specialists “capitalize on revenue generation while also ensuring a great consumer experience.” They offer “Health Information Portability and Accountability Act (HIPAA)-compliant collections services to hospitals, physician offices, large national healthcare systems, small rural hospitals, and government facilities.” SCA offers full service third-party collections, pre-collection letters, early-out programs, skip tracing, accounts receivable consulting, and payment monitoring.
As for compliance, SCA cites a staff that “stays on top of industry trends, uses the most up-to-date technology and receives on-going training.” However, SCA’s website is almost entirely client-facing and does not contain any links or references to consumer protection laws or consumer resources. The only resource for consumers is a link in the top left corner labeled, “Received a call or letter?” This link leads to a payment portal, but does not notify site visitors of their rights under laws such as the Fair Debt Collection Practices Act (FDCPA).
As of September 2017, the BBB has given SCA Collections a rating of B. The BBB has closed 41 complaints against SCA in the past three years, with 14 closed in the past twelve months. Almost all of these complaints alleged problems with billing and collections. Since March 2015, the Consumer Financial Protection Bureau (CFPB) has closed 36 complaints against . Justia lists at least 4 cases of civil litigation listing SCA as a defendant.
SCA Collections, Inc.
300 E Arlington Blvd., Ste. 6A
Greenville, NC 27858-5050
Telephone: (252) 355-5500
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely SCA would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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Absolutely. Here are some Sample Cases filed in Federal Court
Many of the complaints against SCA Collections allege problems associated with reporting inaccurate information to the credit reporting agencies. In addition, because SCA collects past due medical bills, many consumers have expressed concerns about SCA’s access to medical information. In August 2017, a complainant alleged that SCA had placed fraudulent reports of delinquencies on his credit report, and that their presence there for several years had done irreparable harm to his credit. The complainant alleges further that he never received any notification of the delinquencies, nor did SCA Collections ever attempt to provide verification of the debts. SCA responded to the consumer’s complaint by indicating that after researching the account, they discovered that the debts belonged to someone else with a similar name and that they would request the credit reporting agencies to remove the erroneous information, which may take 30 to 45 days.
In July 2017, a complainant indicated that SCA had reported a collection account to the credit reporting agencies that did not belong to him. In addition, the complainant indicated that SCA had accessed private medical information associated with the alleged debt in violation of HIPAA legislation. In response, SCA indicated that they mailed verification of the debt to the complainant and that as a Business Associate, they are allowed access to medical information held by the complainant’s healthcare provider. The consumer continued to dispute SCA’s effort; furthermore, although HIPAA does allow Business Associates to have access to medical information necessary for them to fulfill their business function, billing and collection agents should not have any need to access treatment or diagnosis information.
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). The FDCPA regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt.
The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency.
Your debt harassment checklist:
- You are receiving multiple calls per week from third party collection agencies
- You are receiving early morning or late night calls from debt collectors
- You are receiving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
We can make them STOP!✋
The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200 NOW.
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