Medical bills can be overwhelming, and it’s not uncommon for one to slip through the cracks.
While it may have only been caused by a simple mistake, debt in collections can have harsh consequences on your credit score and your everyday life.
If you’re being contacted by Healthcare Revenue Recovery Group and aren’t sure how to proceed, take a deep breath and relax.
With the pointers below, you can get HRRG taken off your credit report, stop their phone calls, and get your credit score back on track.
What Is Healthcare Revenue Recovery Group?
Before you give an unknown business your payment information, it’s important to make sure they’re legit. So, is HHRG a real company?
Yes, Healthcare Revenue Recovery Group, LLC, is a certified debt collection agency that was founded in 1996.
Today, it’s headquartered in Sunrise, Florida, with the mailing address below:
P.O. Box 459080
Sunrise, FL 33345
3 Ways to Remove HRRG from Your Credit Report
Your missed medical bill doesn’t have to hurt your credit score in the years to come.
Give one of the three strategies below a go to get the collection deleted from your credit report.
1. Send in a Debt Validation Letter
The benefits of the Fair Debt Collection Practices Act don’t stop with dictating how debt collectors are allowed to communicate with you.
It also legally requires them to back up their claims by providing you with documentation of the debt you purportedly owe.
As long as you submit a debt validation letter within 30 days of first being contacted by the agency, they have to comply.
If the agency doesn’t have what it needs to back up the claim, they’ll have to update the credit bureaus, resulting in the collections entry being deleted from your report.
If HRRG has contacted you in error, perhaps mistaking you for someone else or referring to a bill you’ve already paid, you should 100% start with debt validation.
But it’s also the best starting point even if you do owe the agency. There’s always a chance that the debt collector won’t have the proof it needs to validate your claim.
If they can’t validate the debt, you’ll get off without paying a penny.
2. Arrange a Pay-for-delete Agreement
Wondering what to do if you’ve missed the 30-day window for submitting a debt validation letter?
If you simply pay HRRG outright, it will stop them from contacting you but not from bringing down your payment history.
So your next best strategy is to arrange a “pay-for-delete” agreement. It’s basically an arrangement in which you pay the agency to get the entry deleted from your report.
All you need to do is write HRRG, proposing to pay to have the entry removed.
In many cases, you can get debt collectors to accept payments that are only a fraction of what you owe.
Start by negotiating to pay around 50% of your debt to get the entry deleted.
As soon as you reach an agreement and submit a payment, it should show up on your report.
If the entry’s still there after about a month, send them another letter to ensure it is getting deleted.
3. Hire a Credit Repair Company
Missed medical bills can pile up, and dealing with a debt collector can unnecessarily complicate matters.
If you’d rather leave the task of confronting HRRG and getting them removed from your report to someone else, you should look into paying for credit repair services.
Credit repair companies can handle a wide range of credit issues, from disputing debts to helping you recover from bankruptcy and everything in between.
They’ll also make sure that the agency doesn’t violate the Fair Debt Collection Practices Act.
No matter how simple or complicated your credit is, a credit repair company will have your back.
Whether you want to tackle HRRG yourself or need help with handling your outstanding medical debts, get started now on repairing your credit.
How Does HRRG Collections Work?
As the name suggests, Healthcare Revenue Recovery Group collects on debts in the medical industry.
After a bill goes unpaid for a while, it gets turned over to a collections agency. A collections entry is then placed on your credit report, lowering your score by hurting your payment history.
Once a debt collector is involved, either purchasing the debt from the service provider or being hired by them to help, the agency can call and send you letters until you make a payment.
The damaging effects of a collections entry will linger for seven years, though it has less of an impact over time.
Unless you specifically make sure to get the entry removed from your report, it will stay there even after you repay your debt.
But there’s no need to worry; you can get a debt collector’s entry deleted from your report with one of the strategies explained below.
Dealing with Healthcare Revenue Recovery Group
HRRG claims that it is committed to dealing with debtors with empathy and respect. That doesn’t mean they don’t get complaints from consumers, though.
The Better Business Bureau and the Consumer Financial Protection Bureau can give you a good idea of people’s experiences with debt collectors.
This particular agency has hundreds of complaints between the two bureaus, centered around a few common issues.
Consumers often have the same beef with debt collectors at large, citing complaints about:
- Reporting errors
- Failing to validate debts upon request
- Excessive or abrasive collection attempts
Many people aren’t aware of their rights under the Fair Debt Collection Practices Act.
The law is there to ensure that debt collectors don’t overstep their bounds and attempt to collect on your debts unethically.
For instance, it limits the hours during which debt collectors can call you. It goes a step further, allowing you to halt their calls altogether.
If you’d prefer to communicate in written form, you can opt to only write letters to the agency, putting an end to their phone calls.
This is a smart strategy on another level, giving you all the documentation you need to see your case through and get the agency removed from your credit report promptly.