Balanced Healthcare Receivables, LLC (BHR) has collected medical debts from their Nashua, New Hampshire office since 2007. They collect exclusively for healthcare providers: hospitals, clinics, radiology groups, and urgent care facilities. If BHR appears on your credit report, the underlying account is a medical bill.
A documented complaint shows BHR sending a collection email for a Merrimack Radiology bill to the wrong person. A second documents a supervisor disclosing a consumer’s full debt information without providing the required FDCPA disclosure that the call was from a debt collector. This guide covers who BHR is, their documented complaint patterns, and how to respond.
Who Is Balanced Healthcare Receivables?
Balanced Healthcare Receivables, LLC is a third-party healthcare debt collection agency founded in 2007 and headquartered in Nashua, New Hampshire. The BBB accredits them since September 2015 and gives them an A+ rating with 15 complaints over a three-year period. The CFPB has closed 7 complaints since March 2015. Three Justia civil cases include two involving BHR’s collection letter practices.
BHR collects exclusively for healthcare providers and uses SMS text messaging for account contact in addition to phone and mail. New Hampshire has a 3-year statute of limitations on written contracts, shorter than most states. Medical debt CFPB rules apply to every account they report.
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The Wrong-Patient Email and Address Errors
A 2025 BBB complaint documents BHR sending a collection email about a Merrimack Radiology bill to the wrong person. The email was for a patient whose name did not match the recipient. BHR’s response confirmed the incorrect email was what the original provider had on file and removed it from the account.
A separate BBB complaint describes a consumer who received collection calls for a hospital and physician bill, neither of which they had ever received because both billing records had the wrong address. The consumer only learned of the debts when BHR called.
Both cases reflect the same underlying issue: when healthcare providers have incorrect contact information, neither the bill nor the collection notice reaches the consumer. If BHR is collecting a debt you have no record of receiving a bill for, request the address and contact information BHR has on file and compare it against your actual address at the time of service.
The Mini Miranda Violation
A documented BBB complaint describes a consumer who called BHR after receiving voicemails that identified her as a debtor and referenced a debt. When she spoke with a representative who refused to identify the company, she asked to be transferred to a supervisor.
The supervisor verified her personal information and then disclosed all debt details without providing the required FDCPA disclosure that the call was from a debt collector attempting to collect a debt. This disclosure, commonly called the “mini Miranda,” is required by FDCPA Section 1692e(11) in every communication.
When the consumer raised the FDCPA violations, the supervisor became angry and denied any violation. BHR’s written response stated they would pull recordings and investigate. If a BHR supervisor or representative has disclosed debt information without first stating the call is from a debt collector attempting to collect a debt, document the date, time, and what was disclosed.
The Rosenberg Federal Case
In 2020, a federal case was filed in the Eastern District of New York (Rosenberg v. Balanced Healthcare Receivables, LLC) alleging BHR’s collection letters violated multiple FDCPA provisions. A related case, Musarra and Rosenberg v. Balanced Healthcare Receivables, LLC, raised similar collection letter-based FDCPA claims. Both cases reflect documented federal-level challenges to BHR’s written collection communications.
Automated Robocalls After Denial
A documented complaint describes a consumer who received automated robocalls from BHR for over a year claiming debts they stated did not exist. BHR called from multiple different numbers throughout that period. When the consumer threatened legal action, BHR acknowledged two accounts had been placed for collection and put them in do-not-call status.
If BHR is calling your cell phone with automated messages for a debt you do not recognize, document every call with date, time, and whether it was automated. Each unauthorized automated call after a cease request is a potential TCPA violation worth $500 to $1,500 per call.
Medical Debt Reporting Rules Apply Directly
Because BHR collects exclusively for healthcare providers, current CFPB rules apply to every account they report. Medical debts under $500 cannot appear on any consumer credit report. Any medical debt must wait one full year past the date of first delinquency before being reported, regardless of the balance.
If BHR has reported a medical balance under $500, dispute it immediately. If the debt is less than one year past due, dispute it regardless of the amount.
What BHR Cannot Do Under Federal Law
Based on their documented complaint record:
- Disclose debt information without providing the mini Miranda disclosure: The documented supervisor complaint shows this occurring. FDCPA Section 1692e(11) requires the disclosure in every communication.
- Send collection communications to the wrong patient: The wrong-patient email is a HIPAA concern in addition to an FCRA accuracy issue. BHR must verify contact information before sending collection correspondence containing medical debt details.
- Make automated robocalls after a cease request: The documented complaint shows BHR calling from multiple numbers for over a year. Each automated call after a cease request is a TCPA violation.
- Report medical debts under $500 or less than one year past due: Current CFPB rules prohibit both categories outright.
- Send collection letters that violate the FDCPA: The Rosenberg and Musarra federal cases both challenge BHR’s written collection letter practices.
Verify the Debt Before Paying Anything
Send a written validation request by certified mail within 30 days of first contact. Request the original healthcare provider’s name, the date of service, an itemized bill, and your insurer’s explanation of benefits. Also request the contact information BHR has on file to confirm whether incorrect address or email data may explain why you never received a prior bill.
New Hampshire has a 3-year statute of limitations on written contracts. The relevant statute is the state where you currently reside.
How to Check Your Credit Report for BHR Entries
Search all three credit reports for “Balanced Healthcare Receivables” and “BHR.” Confirm the original healthcare provider is identified, the service date is accurate, and the balance reflects post-insurance patient responsibility. Check that the balance is above $500 and at least one year past due before accepting the entry as properly reported.
Your Options Before Paying or Responding
- Request the contact information on file immediately: Both documented BHR complaints involving wrong-person or no-prior-notice contacts stem from incorrect address or email data. Confirming what BHR has on file is the first step.
- Document any call where debt is disclosed without the mini Miranda: The supervisor complaint documents this conduct. Date, time, and what was said are all relevant.
- Dispute medical entries under $500 or less than one year old immediately: CFPB rules make both categories disputable without waiting for BHR’s response.
- Log every automated call from multiple numbers: The documented complaint shows BHR calling from different numbers to avoid blocking. Log every number, date, and time for TCPA documentation.
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How to Contact Balanced Healthcare Receivables
- Address: Balanced Healthcare Receivables, LLC, 164 Burke Street, Suite 201, Nashua, NH 03060
- Phone: (866) 460-2471 or (866) 914-1659
Bottom Line
Balanced Healthcare Receivables collects exclusively for healthcare providers and has a documented pattern of wrong-patient contacts stemming from incorrect provider records, a supervisor disclosing debt details without the required FDCPA mini Miranda disclosure, and automated robocalls from rotating phone numbers on disputed debts.
Before paying anything BHR claims, request the contact information they have on file and compare it against your actual records. If BHR has reported a medical balance under $500 or less than one year past due, dispute with all three bureaus immediately.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.