Dena Standley | February 23, 2023
Summary: Is Capio Partners suing you for a debt? SoloSuit can help you take a stand and win in court.
Unexpected health care expenses can wreck even the most well-thought-out financial plan. Even worse, debt collectors that specialize in uncollected medical debt often add stress to an already difficult situation. Capio Partners, based in Sherman, TX, is one such debt collection agency. The agency specializes in medical debt, buying uncollected debts from healthcare providers, and then attempting to collect the amounts owed.
Capio Partners, LLC has received numerous consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), such as rude and abusive behavior, providing false or misleading information, and the failure to provide written verification of the debts it is attempting to collect. If Capio Partners has contacted you, make sure you understand your consumer rights before responding.
As the third-largest healthcare debt collector in the United States, Capio Partners, LLC has contact with thousands of consumers every year. Capio is not a scam. It is an authorized debt collection agency, but that doesn't mean you can't assert your rights and win against them.
With a score of 1 out of 5 stars on its Better Business Bureau profile, Capio Partners has received more than 500 complaints with BBB in the past three years. Capio Partners also has more than 1,000 complaints against it on the Consumer Financial Protection Bureau database. Out of 91 Google reviews, Capio has an average rating of 1.3 stars.
Many negative reviews share a common theme of rude employees, false information, the inability to validate debts, and bullying and harassing behavior. There are numerous allegations of the company pursuing previously settled or satisfied debts. In fact, most of these complaints could be considered violations of the FDCPA.
As a consumer, you should learn about your rights to protect yourself from unfair debt collection practices by Capio Partners. Keep reading for more information about your rights and how to file a complaint against Capio.
When a debt collection agency contacts you, the first step should always be to request that any future contact about the debt be in writing. Using SoloSuit, you should send a Debt Validation Letter requiring Capio Partners, LLC to validate the alleged debt within 30 days.
Keep a careful record of all contact and attempted contact by Capio Partners, LLC. The Fair Debt Collections Practices Act (FDCPA) protects consumers from over-aggressive debt collectors and sets clear guidelines that every debt collector must follow. If Capio Partners violates the FDCPA, they can accrue fines and waive the right to collect the debt. Below are some common ways debt collectors violate the rights of consumers.
If you feel Capio Partners is violating your rights as a consumer, submit a complaint with the Consumer Financial Protection Bureau and the Better Business Bureau. You might even consider filing a counterclaim, as you could be eligible for $1,000 in compensation per each violation of the FDCPA by Capio.
Medical bills are a unique type of debt. Though they can negatively impact your credit score, they are not weighted the same as other types of debt. The Fico Score 9 is the latest version of the FICO credit scoring system most commonly used by lenders to assess creditworthiness. The new FICO Score 9 gives medical debt less weight than other types of debt. The same is true of VantageScore, another popular scoring model.
Few health care providers report directly to the credit bureaus, so your debt doesn't end up on your credit report until it has been turned over to a collection agency. Since the debt is not sold to a collection agency until you are at least 90-120 days past due, you have some time to explore your options for paying the debt.
Once your healthcare bill goes to collections, it doesn't appear on your credit report right away. The three main credit bureaus, Equifax, Transunion, and Experian, provide a 180-day grace period to resolve medical debt before it appears on your credit history. The grace period is because insurance companies can often take months to approve, or deny, payment to health care providers. Billing or coding errors are common and can slow the process even further. The grace period is intended to give consumers time to resolve the issue before impacting their credit score.
You can spend a fortune on quality insurance, buy supplemental policies, and do your best to stay healthy, but all it takes is one accident or unexpected illness to wreak financial havoc. Insurance companies often refuse to pay for necessary treatments, or healthcare providers may initiate treatment options without insurance approval. Either way, consumers can be left with hefty bills they are unable to pay.
You have options when dealing with medical debt. First, remember that being contacted by a medical debt collector such as Capio Partners, LLC means that the debt has been purchased for pennies on the dollar. You can often negotiate a payment for far less than the original debt. If you negotiate with Capio Partners, LLC for a settlement, make sure you get everything in writing.
You can start negotiating a debt settlement by sending a free offer with SoloSettle. Like we said, many debt purchasers, like Capio Partners, are willing to settle for a percentage of the original amount because they will still make a profit. Let's consider an example.
Example: Capio Partners purchases a bundle of debts from a healthcare provider and takes several consumers to court. One of these consumers, Gary, is being sued for his medical debt of $5,000. He sends Capio Partners a Debt Lawsuit Settlement Letter asking them to take a lump-sum payment of $3,000. Capio accepts the offer, and Gary's debt is reduced by 40%.
Watch this video to learn more about how to negotiate a debt settlement that works for you:
Never start negotiations until you have Capio Partners' validation of the debt in writing. Make sure the date of service, type of service, original creditor, and amounts all match your own records. If there is any mistake in the debt verification, or Capio Partners fails to provide the required verification, file a dispute with the credit reporting bureaus. There is a dispute form available on the website of Transunion, Equifax, and Experian, and the Federal Trade Commission (FTC) offers sample letters if you are unsure of what to include.
If you have been contacted by Capio Partners, LLC about medical debt, you may want to reach out to get them to validate the debt you supposedly owe. Here's how you can contact them.
Capio Partners' physical address is 1745 N Brown Road, Suite #405, Lawrenceville, GA 30043. Their phone number is (678) 682-3680. The debt collection agency has locations in Sherman, Texas, Lake Oswego, Oregon, and Lawrence, Georgia.
If Capio Partners, LLC is taking you to court over a past-due medical debt, the first step to winning your case is to respond. You should have received a Summons and Complaint (also known as Petition). The Summons notifies you of the lawsuit and any pending court dates, while the Complaint lists the specific claims against you.
You have 14-35 days to respond to the lawsuit, depending on which state you live in. If you fail to respond, the court will likely place a default judgment against you. This gives Capio the right to garnish your wages and even put liens on your property. That's why it's so important to respond. Use SoloSuit's Answer form to respond to the lawsuit and win in court.
Follow these three steps to respond to a debt lawsuit against Capio Partners:
SoloSuit can help you file your Answer in all 50 states.
Unexpected medical expenses are stressful, and consumers shouldn't have to deal with shady collection practices. Know your rights, and hold Capio Partners, LLC to the standard provided by the FDCPA. SoloSuit can help with a full range of information and services to help you protect your rights.
Watch this video to learn more about the three steps to responding to a debt lawsuit:
SoloSuit makes it easy to fight debt collectors.
You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.
SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.
"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James
You can ask your questions on the SoloSuit forum and the community will help you out. Whether you need help now or are just looking for support, we're here for you.
>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate
>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)
Here's a list of guides for other states.
Being sued by a different debt collector? Were making guides on how to beat each one.
Is your credit card company suing you? Learn how you can beat each one.
Going to Court for Credit Card Debt — Key Tips
How to Negotiate Credit Card Debts
How to Settle a Credit Card Debt Lawsuit — Ultimate Guide
Need more info on statutes of limitations? Read our 50-state guide.
Why do debt collectors block their phone numbers?
How long do debt collectors take to respond to debt validation letters?
What are the biggest debt collector companies in the US?
Is Zombie Debt Still a Problem in 2019?
If a car is repossessed, do I still owe the debt?
Is Portfolio Recovery Associates Legit?
Is There a Judgment Against Me Without my Knowledge?
Should I File Bankruptcy Before or After a Judgment?
What is a default judgment?— What do I do?
Summoned to Court for Medical Bills — What Do I Do?
What Happens If Someone Sues You and You Have No Money?
What Happens If You Never Answer Debt Collectors?
What Happens When a Debt Is Sold to a Collection Agency
What is a Stipulated Judgment?
What is the Deadline for a Defendants Answer to Avoid a Default Judgment?
Can a Judgement Creditor Take my Car?
Can I Settle a Debt After Being Served?
Can You Appeal a Default Judgement?
Do I Need a Debt Collection Defense Attorney?
Do I Need a Payday Loans Lawyer?
Do student loans go away after 7 years? — Student Loan Debt Guide
Am I Responsible for My Spouses Medical Debt?
Should I Marry Someone With Debt?
Can a Debt Collector Leave a Voicemail?
How Does Debt Assignment Work?
What Happens If a Defendant Does Not Pay a Judgment?
How Does Debt Assignment Work?
Can You Serve Someone with a Collections Lawsuit at Their Work?
How Many Times Can a Judgment be Renewed in Oklahoma?
Does Debt Consolidation Have Risks?
What Happens If You Avoid Getting Served Court Papers?
Does Student Debt Die With You?
Can Debt Collectors Call You at Work in Texas?
How Much Do You Have to Be in Debt to File for Chapter 7?
What Is the Statute of Limitations on Debt in Washington?
How Long Does a Judgment Last?
Can Private Disability Payments Be Garnished?
Can Debt Collectors Call From Local Numbers?
Does the Fair Credit Reporting Act Work in Florida?
The Truth: Should You Never Pay a Debt Collection Agency?
Should You Communicate with a Debt Collector in Writing or by Telephone?
What Happens After a Motion for Default Is Filed?
Can a Process Server Leave a Summons Taped to My Door?
Need help managing your finances? Check out these resources.
How to Make a Debt Validation Letter - The Ultimate Guide
How to Make a Motion to Compel Arbitration Without an Attorney
How to Stop Wage Garnishment — Everything You Need to Know
How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)
Defending Yourself in Court Against a Debt Collector
Tips on you can to file an FDCPA lawsuit against a debt collection agency
Advice on how to answer a summons for debt collection.
Effective strategies for how to get back on track after a debt lawsuit
New Hampshire Statute of Limitations on Debt
Sample Cease and Desist Letter Against Debt Collectors
The Ultimate Guide to Responding to a Debt Collection Lawsuit in Utah
West Virginia Statute of Limitations on Debt
What debt collectors cannot do — FDCPA explained
Defending Yourself in Court Against Debt Collector
Arkansas Statute of Limitations on Debt
Youre Drowning in Debt — Heres How to Swim
Help! Im Being Sued by My Debt Collector
How to Make a Motion to Vacate Judgment
How to Answer Summons for Debt Collection in Vermont
North Dakota Statute of Limitations on Debt
ClearPoint Debt Management Review
Indiana Statute of Limitations on Debt
Oregon Eviction Laws - What They Say
CuraDebt Debt Settlement Review
How to Write a Re-Aging Debt Letter
How to Appear in Court by Phone
How to Use the Doctrine of Unclean Hands
Debt Consolidation in Eugene, Oregon
Summoned to Court for Medical Bills? What to Do Next
How to Make a Debt Settlement Agreement
Received a 3-Day Eviction Notice? Heres What to Do
How to Answer a Lawsuit for Debt Collection
Tips for Leaving the Country With Unpaid Credit Card Debt
Kansas Statute of Limitations on Debt Collection
How to File in Small Claims Court in Iowa
How to File a Civil Answer in Kings County Supreme Court
Roseland Associates Debt Consolidation Review
Do Debt Collectors Ever Give Up?
Can They Garnish Your Wages for Credit Card Debt?
How Often Do Credit Card Companies Sue for Non-Payment?
How Long Does a Judgement Last?
How Long Before a Creditor Can Garnish Wages?
How to Beat a Bill Collector in Court