If Central States Recovery is showing up on your credit report, it’s likely tied to an unpaid medical bill or other account that’s gone to collections. Here’s what you need to know—and how to get them removed from your report.
Who Is Central States Recovery?
Central States Recovery, Inc. (CSR) is a debt collection agency based in Hutchinson, Kansas. They work on behalf of businesses to collect unpaid debts, mainly from the healthcare industry.
When an account is seriously past due, your original creditor may hand it over to a collection agency like CSR. Once that happens, the collection can be reported to the credit bureaus, which hurts your credit score.
Who Does Central States Recovery Collect For?
CSR focuses primarily on medical debt. Their clients include:
- Hospitals
- Clinics
- Healthcare providers
- Medical billing companies
If you’ve missed payments on a medical bill, there’s a good chance CSR could be trying to collect that debt.
Is Central States Recovery Legit?
Yes, Central States Recovery is a legitimate, licensed debt collection company. But that doesn’t mean every collection they report is correct.
It’s common for errors to show up on credit reports—wrong account details, debts that don’t belong to you, or balances that have already been paid. Always verify the debt before making any payments.
How to Remove Central States Recovery From Your Credit Report
A collection account can damage your credit for up to seven years, so it’s worth trying to get it removed. Here are your options:
- Dispute the debt with the credit bureaus if you believe it’s inaccurate or incomplete.
- Request a debt validation letter from Central States Recovery to confirm they have the right to collect and the details are correct.
- Negotiate a pay-for-delete agreement, where they agree to remove the account from your credit report in exchange for payment.
- Work with a reputable credit repair company to challenge the negative item on your behalf.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Pay Central States Recovery?
Don’t rush to pay a collection account without verifying the details first. Paying an old debt can reset the clock on how long it stays on your credit report, which could hurt your score in the short term.
If the debt is valid and recent, paying it off—ideally with a pay-for-delete agreement—might be your best option. Otherwise, consider disputing the account or working with a professional to explore your options.
Will Central States Recovery Sue You or Garnish Wages?
Central States Recovery has the legal right to sue for unpaid debts. If they win a lawsuit, they may be able to garnish wages or levy your bank account, depending on state laws.
That said, lawsuits are expensive, so most collection agencies prefer to work out a payment plan or settlement before taking legal action.
Central States Recovery Complaints
Like many collection agencies, CSR has complaints with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common issues include:
- Incorrect debts showing up on credit reports
- Failure to provide proper debt verification
- Harassing or excessive phone calls
If you feel your rights have been violated, you can file a complaint with the CFPB or BBB.
Your Rights When Dealing With Central States Recovery
You are protected by several federal laws, including the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These laws make it illegal for debt collectors to:
- Report inaccurate information on your credit report
- Harass or threaten you
- Call repeatedly or use abusive language
- Misrepresent who they are or the amount you owe
- Threaten you with arrest or jail
You also have the right to request written validation of the debt within 30 days of their first contact.
Central States Recovery Contact Information
Central States Recovery, Inc.
1314 N Main St.
Hutchinson, KS 67501
Mailing Address:
P.O. Box 3130
Hutchinson, KS 67501-3130
Phone: (800) 779-0419 or (620) 663-8811
Remove Central States Recovery From Your Credit Report Today
If you’re tired of dealing with collections or negative marks on your credit report, professional help is available. Credit Saint has over 15 years of experience helping clients dispute and remove negative items from their reports.
They even offer a 90-day money-back guarantee for extra peace of mind.
Visit their website or call (855) 281-1510 to learn more.
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.
