A Caring Approach to Helping Consumers

Established in 1975 as a corporation registered with the Secretary of State in North Carolina, Bull City Financial Solutions, Inc. (BCFS) has been helping consumers find solutions to resolve their accounts in a professional and ethical manner for many decades. ACA International, the Association of Credit and Collection Professionals, has designated BCFS as a  Professional Practices Management Systems (PPMS) Certified collection agency and each member of our staff maintains a designation from ACA International as a Certified Professional Collection Specialist.  The North Carolina Department of Insurance is the regulator for collection agencies conducting business in North Carolina and our Permit Number is 738.

Why would an organization made up of credit and debt collection professionals want to help consumers? Simple—educated consumers who understand their rights and responsibilities when it comes to the credit and debt collection process are far easier to work with than those who do not. In addition, dealing with debt and credit issues can be an emotional and sometimes intimidating process. It doesn’t need to be. If you know your rights, fully understand the situation you’re in and what options are available, you can avoid unnecessary stress while making the best decision for you and your family’s financial well-being. To learn more about BCFS or your rights as a consumer, check out our FAQ page or visit www.askdoctordebt.com, a website published by ACA International, dedicated to consumers.

Frequently Asked Questions

Is having debt bad for my credit score?

Not all debt is bad. If you keep your credit card balances low and make all your payments on time, you’ll be on your way to having a strong and healthy credit score. The flip side to this scenario is having lots of debt that you can’t afford to pay back and having your accounts fall into collections. When this happens, the negative marks that show up on your credit report can severely damage your score.

Stopping the Collection Calls

As a third party collection agency that operates in accordance with the FDCPA, the Help Desk Representatives at Bull City Financial Solutions will respect your request to stop calling. If you have received calls from any of our 800-numbers including 800-489-7999 and would like them to stop, please use our simple online contact form to ask that your number be added to our Do Not Call List. Once the request is received, calls should stop within 48 hours. If you experience any difficulty stopping calls to your number, please contact us directly at 1-800-489-7999. We are available to assist you any time Monday-Friday from 8am-9pm Eastern Time. For more information about stopping calls from Bull City Financial Solutions, please watch our video below.

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