BCA Financial Services Operating Procedures and Confidentiality Statement
personally supervise all aspects, in this office, of the operating procedures and confidentiality necessary to comply with
all state and federal laws.
New Jersey privacy law just went into effect on January 1, 2006 on which I attended a seminar in November 2005. Part of the
law involves the confidentiality of debtors’ Social Security numbers as well as the proper security and destruction
Additionally, BCA Financial Services complies with all HIPAA regulations.
As far as our operating procedures, our first concern is the compliance with the federal law, the Fair Debt
Collection Practices Act. P.L. 95-109.
a standard acknowledgment of a claim to your company, debtor is notified that a third party collection agency is attempting
to collect a debt. They are advised of their (Miranda, as it has become known) rights to dispute the debt.
After the time limit (30 days) has elapsed,
we attempt verbal contact while continuing mail communication, advising [them] of the consequences of advanced collection
procedures as allowed by law as ultimately directed by you, the individual client.