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How to Beat HRRG

Dena Standley | October 19, 2022

Dena Standley
Legal Expert, Paralegal
Dena Standley, BA

Dena Standley is a seasoned paralegal with more than 20 years of experience in legal research and writing, having received a certification as a Legal Assistant/Paralegal from Southern Technical College.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

When you beat HRRG ^^

Summary: Is HRRG suing you for a debt or showing up on your credit report? SoloSuit can help you take a stand, win in court, and get them off your credit score report.

Whenever you are ill, you are more concerned about recovering than paying the bills. But eventually, you receive multiple calls from third-party debt collectors asking you to pay past-due medical bills.

Most consumers don't realize that almost every desk they pass through charges them differently. For instance, Emergency Room doctors will bill separately from anesthetists, and the pharmacy will require a different payment than a physician.

When all these charges find their way onto your credit report, it's easy to feel overwhelmed.

Therefore, when HRRG contacts you, there's no doubt that you want them off your back as soon as possible. This article will teach you everything you need to know about HRRG and how to beat them at their own game.

Who is HRRG?

HRRG,short for Healthcare Revenue Recovery Group, is a legitimate debt collection agency that has been in operation for decades.

If you search for HRRG's profile in Better Business Bureau (BBB), you'll find a profile for Account Resolution Servicer's (ARS), which is a division of HRRG. It's the same company under one of its many alternative names. The company name has been so confusing that some consumers sue HRRG for not giving their "true name" when they contact them. Here are a few of the names ARS uses or has used in the past:

  • Emergency Physicians of South Broward, Palmetto, West Boca, Palms, Ft. Walton, and Northern VA Community Hospital
  • Emergency Professional Services, Inc.
  • Inphynet Hospital Services and Inphynet South Broward, Inc.
  • Plantation Billing Center; Health Care Financial Services, LLC (HCFS)
  • Healthcare Revenue Recovery Group, etc.

If you see a name on your credit report or receive a call from the above entities, it's HRRG.

It's advisable to see what fellow consumers are saying about HRRG to be ready to handle the calls.

HRRG has received many complaints and bad reviews

As mentioned earlier, the profile you are looking for in BBB for HRRG is Account Resolution Services, LLC. The company is not BBB accredited. The customer reviews are low at an average of 1.36 stars out of a possible 5. Their F rating on BBB is telling, considering the BBB doesn't use customer reviews when calculating business ratings.

Even worse, HRRG has received 438 complaints on its BBB profile for Account Resolution Servicer in the last three years alone. While other businesses take advantage of BBB to respond to complaints and close them as soon as possible, HRRG has a reputation for ignoring those complaints. They respond randomly to very few comments, leaving most of them open.

In these complaints, consumers allege that HRRG:

  • Fails to validate debts.
  • Reports inaccurate debt amounts.
  • Reports a single account multiple times.
  • Asks consumers to prove they don't owe money when it's their job to provide proof.
  • Attempts to collect money on fully paid accounts.
  • Has rude staff.

You may have dealt with one or more of these complaints. What can you do?

How to outsmart HRRG

You can beat HRRG if you are well prepared. Try one of these ideas:

Take advantage of the medical debt grace period

Medical debt differs from other debts. Before healthcare institutions sell your debt to third-party debt collectors, it takes time: about 90-120 days after you fall behind. Even after debt collectors register the account with the Credit Reporting Agencies (CRAs), you have a grace period of 180 days before the bureaus put it on your report. Once there, medical debt still carries less weight than other debts, like credit card and personal loan debts.

To prevent HRRG from ruining your credit, use the window to get your account in order. If you are insured, contact your insurance company as soon as possible to pay the bills before they go to collections.

If you are paying from your pocket, it's more critical to pay medical bills fast. Remember that you may pay much more than you owe if the accounts go to collections.

Request financial hardship relief

Sometimes you can't pay your hospital bills. If you lost your job or can't work, take a chance on the physician. Your ER doctor may waive his fees. You will need to muster the courage to explain your situation, but a medical bill waiver is worth every effort. After you receive written communication of the debt cancellation, you can send copies to HRRG to get them off your back.

Request debt validation

Ideally, debt collectors must verify each debt in writing within five days of contacting you about the debt. This verification differs from debt validation. You request the validation by sending a Debt Validation Letter.

Send the Debt Validation Letter to HRRG using certified mail that requires a signature on receipt. Evidence of receipt enables you to track the validation process. When they receive the letter, HRRG must report the debt as disputed. They must also investigate and prove that the debt is yours and is accurate.

Frequently asked questions

You may still have questions about HRRG. We hope these answers help.

Will HRRG sue me?

HRRG cannot sue you for unvalidated debt. They are also not likely to go the lawsuit way if they believe you cannot pay. However, they may sue you when the debt is validated, and HRRG feels you are refusing to pay. If you ever receive a summons from the court, Answer in good time using SoloSuit.

Does HRRG accept pay-for-delete?

They may if you negotiate an arrangement to pay. Keep in mind that paid accounts remain on your report until they fall off naturally.

How can I remove HRRG from my credit report?

Tell the three significant bureaus if HRRG is on your report by mistake. They will investigate and remove the entry if they can't prove the debt is yours. Inaccurate entries, like wrong amounts, can also be removed from your report. Dispute the errors with the reporting bureau that has the error.

What if HRRG violates my rights?

You have many options—report HRRG to the Federal Trade Commission (FTC), the Consumer Financial Protection Bureau (CFPB), or the BBB. If you want compensation for damages, you can sue HRRG. Most consumer attorneys will represent you for free and are paid by HRRG if you win the lawsuit.

The laws governing the debt collection industry have only gotten better. Take advantage of these and other available resources to protect yourself.

What is SoloSuit?

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.

Respond with SoloSuit

"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

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