Business ProfileforBC Services, Inc.

Hi.I just spoke on the phone today at approx **** on 8/10/23 (on recorded line) with an agent, as well as supervisor (both female). I called them to today to settle a medical bill. the bill was 1819$ for ONE MRI, which was "decreased" by my insurance from like 6,000$ roughly. the amount of the original bill was outrageous to begin with. I offered them to pay a lump sum to settle the debt, if they could provide me a discount that was reasonable. they told me that ******** *******, ******, ** doesn't settle any debts. which I believe to be untrue. my MRI was in 1/2023. My bill was due to be paid by 6/2023 and it was sent to collections by August. when BC services told me I could not settle, I agreed to do a payment plan. I attempted to set up a payment plan of 5$ per month. the supervisor refused and said that the lowest she can accept is 100$/month. I asked her if everyone gets the same treatment and she said "it depends on the amount." it is wrong for them to refuse my offer of a payment plan and wrong of her to attempt to withhold information. this is medical and cannot be sent to your credit if you are at least making some payments. with this knowledge, the woman supervisor refused my payment plan. this same woman was also REFUSING to tell me the protocols saying "I will not respond to that" presumably because she wants my credit to be hurt by a medical bill. the first woman I spoke with from BC did however tell me that as long as I am on a payment plan/making payments, that my credit should not be affected. it is wrong to be punished for trying to make a payment plan/being rejected. I told her that instead I will pay MGB monthly since MGB told me that they are "connected" with BC services and BC will be able to see all my payments and therefore not be able to proceed to affecting my credit score. I have made a payment directly to *** and will continue that. I also requested itemized bill from *** to confer with my insurance company. not happy with this company.

We received your complaint through the Better Business Bureau and we appreciate the opportunity to respond. Your main concerns relate to credit reporting, denial of settlement and denial of your offer to pay $5.00 each month. This response is to confirm to you that we are not reporting the accounts to the credit bureau and we have marked these accounts to not report. You inquired about settling the balance,however you made no settlement offer in your communications. Instead you ask us what we can settle for. We have full settlement authority for the balances placed with our office, however without an offer from you there is no way we can begin the settlement process. If you can provide us with a settlement amount we would be happy to look into that. Lastly, your offer to pay $5.00 each month would result in a payment plan for 29 years. We reject that payment plan without substantive financial information that would support such a lengthy plan.  We welcome you to contact us to set up an arrangement that works for you.

You also requested that we cease further communication with you and accordingly we marked your phone number not to call and we will cease communication. If you have any questions at any time we welcome you to contact our office at ************.