If you’re being contacted by Healthcare Revenue Recovery Group (HRRG) and you don’t know how to proceed, take a deep breath and relax.
Medical debt can overwhelm even the most financially prepared patients, and when this happens, your debt may find its way to a collection agency.
With the pointers below, you can get HRRG off your credit report and off your phone.
Removing the agency’s negative credit information can increase your credit score, too.
What Is Healthcare Revenue Recovery Group?
Before you start making online payments to a collection agency you’ve never worked with, you’ll want to know whether the company is legit.
Is HHRG a real company or a scam?
Yes, Healthcare Revenue Recovery Group, LLC, is a real company, it is a certified debt collection agency that was founded in 1996.
It helps collect past due balances on behalf of healthcare providers. Sometimes it buys old debt and collects on it.
Part of the Teamhealth group, HRRG is headquartered in Sunrise, Florida, with the mailing address below:
P.O. Box 459080
Sunrise, FL 33345
So if you’re hearing from HRRG, this agency thinks you owe it money, and it’ll make phone calls, send letters, and even contact you via text message to collect this debt.
Just because it’s legit doesn’t mean you have to put up with debt collection harassment. And it doesn’t mean you should automatically pay the bill.
In fact, I recommend you don’t make payment until you’ve read the rest of this post. Your lack of payment may actually help you.
Since it’s an FAQ from many readers, I’ll also point out the Better Business Bureau (BBB) does not accredit HRRG.
The agency has BBB’s worst grade, F.
If you are overwhelmed by dealing with negative entries on your credit report,
we suggest you ask a professional credit repair company for help.
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 Fair Debt Collection Practices Act (FDCPA) regulates the way collection agencies can contact you.
This law also gives you the right to see evidence you actually owe the money.
Any time you hear from a debt collector, you should respond within 30 days with a debt validation letter.
In this letter, you’ll request HRRG prove the original medical debt actually belongs to you.
If you send your letter within 30 days of first being contacted by HRRG, this agency will be required to show proof you owe the debt.
If it can’t prove the debt is yours, it’ll have to remove the debt from your credit report with all three of the credit reporting bureaus.
This provision of the FDCPA can be a lifesaver if HRRG has bad information and you have no connection to the debt.
But even if you do owe money, you can try this method.
If your debt entry has inaccuracies HRRG can’t fix, it’ll have to remove its negative information from your credit reports.
This is because the Fair Credit Reporting Act requires it to report only accurate information.
2. Arrange a Pay-for-delete Agreement
If you’ve missed the 30-day window for submitting your debt validation letter, or if HRRG proved you owe them money, try a pay-for-delete agreement.
This won’t work if you just pay the account without asking any questions.
Paying the account will stop the phone calls, but even after you pay up, HRRG will remain on your credit report for up to seven years.
To get the negative information off your credit, you can agree to make a payment in exchange for HRRG deleting its derogatory marks on your credit reports with all three credit reporting bureaus.
This is known as a “pay-for-delete” agreement, and it harnesses the power of your payment to accomplish your goal: getting a cleaner credit report.
To make this kind of a deal, write HRRG, proposing to pay in exchange for having the credit entry removed.
You may also want to call HRRG to propose a deal, but be sure you don’t pay over the phone or submit any online payments yet.
How To Negotiate a Pay-for-Delete with HRRG
First, get the deal in writing. What if you can’t afford to pay the whole balance? You may not have to.
In many cases, you can get debt collectors to cancel your debt and delete negative credit data in exchange for a partial payment or by agreeing to a payment plan.
Start by negotiating to pay around 50% of your debt to get the entry deleted.
This can work because collection agencies like HRRG make money directly from your debt payments. Even a partial payment leads to profits.
When you have a written pay-for-delete agreement and submit your payment, check your credit reports 30 days.
You will need to make sure HRRG kept its promise to delete the negative credit entry.
If the entry’s still there after 30 days, send another letter to remind the agency of its promise.
3. Hire a Credit Repair Company
Writing debt validation letters and negotiating pay-for-delete agreements requires time and patience.
If you’d rather have a professional deal with Healthcare Revenue Recovery Group, you should hire a credit repair company.
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 your rights under the Fair Debt Collection Practices Act.
A company like Credit Saint or Lexington Law can be a major asset as you deal with debt collectors. Credit Saint is backed by many excellent reviews from happy clients and even provide a money back guarantee.
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 your bill goes unpaid for more than 180 days, your hospital or medical clinic can submit the debt to a collection agency like HRRG.
At that point, a negative entry will likely appear in your credit history, lowering your score by hurting your payment history.
Once a debt collector gets involved — either by buying your debt or being contracted to collect on behalf of the medical provider — the agency can call and send you letters until you make payment.
What HRRG Can’t Do
The Fair Debt Collection Practices Act prohibits debt collectors from calling you late at night or early in the morning.
They can’t threaten to garnish wages unless they are actually pursuing legal action.
A debt collector can’t have you arrested or threaten criminal action. Debt collectors can’t call you on phone numbers you’ve asked them to stop using.
And, they can’t call you at all if you request only written communication.
They can’t talk to friends or employers about your debt, and they can’t require you to share your private information, such as your Social Security number or other financial services account numbers.
What HRRG Can Do
This agency can put damaging negative information on your credit report and it can linger for seven years.
Unless you specifically make sure to get the entry removed from your report, it will stay there even after you repay your debt.
However, you can get a debt collector’s entry deleted from your report with one of the strategies explained above.
Dealing with Healthcare Revenue Recovery Group
HRRG claims it is committed to dealing with debtors with empathy and respect.
Though the BBB and the Consumer Financial Protection Bureau can give you a good idea of people’s experiences with debt collectors.
Meanwhile, 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
However, many United States citizens simply aren’t aware of their rights under the Fair Debt Collection Practices Act.
But the law is there to ensure that debt collectors don’t overstep their bounds. Because they are known to attempt to collect on your debts unethically.
For instance, it limits the hours during which debt collectors can call you. It also goes a step further, allowing you to halt their calls altogether.
In other words, 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.
Debt collection agencies tend to follow the law more thoroughly when you’ve shown you’re aware of your rights.