CF Medical, LLC on Your Credit Report: Your Options Explained

CF Medical, LLC is a Las Vegas medical debt buyer that purchases charged-off medical debt portfolios. Two things set them apart immediately.

First, they are a debt buyer, not a contingency collector, meaning they own the accounts they pursue outright. Second, their most alarming documented complaint involves resurfacing and attempting to collect on debts consumers say were already settled and paid with prior collectors.

A documented BBB complaint describes a consumer who settled an American Anesthesiology debt through a prior collection agency. CF Medical subsequently purchased the remaining written-off balance and attempted to collect it. The consumer described the experience as feeling “like a scam to get double payment for medical bills.” The original medical provider was described as appalled.

This guide covers who CF Medical is, the double-payment pattern, and how to respond.

Who Is CF Medical, LLC?

CF Medical, LLC is a medical debt buyer headquartered in Las Vegas, Nevada. The company is not BBB-accredited and BBB responses on their behalf have been signed by Capio, suggesting an affiliation with Capio Partners, a large national medical debt buyer.

CF Medical purchases portfolios of charged-off medical debt from healthcare providers and hospital systems. Confirmed original creditors from documented BBB complaints include American Anesthesiology, Alteon Health, and Georgia Emergency Department Services. CF Medical places collection accounts with affiliated collectors including AssetCare, which contacts consumers on CF Medical’s behalf.

A federal FDCPA case, Bogatschow v. CF Medical LLC, was filed in the Middle District of Georgia in 2020.

Important disambiguation: CF Medical, Inc. is a separate Boston-based medical equipment company with no affiliation to CF Medical LLC. This article covers CF Medical LLC only.

The Double-Payment Pattern

A documented BBB complaint describes a consumer who settled an American Anesthesiology debt through a prior collector for a reduced amount due to lack of insurance. The consumer paid in full and American Anesthesiology accepted the payment.

CF Medical subsequently purchased what appears to be the remaining discounted balance and attempted to collect it. The consumer noted this was the second time in four years that a collector had resurfaced the same bill, requiring them to dig through old bank records to prove payment. When documentation was provided, CF Medical closed the account.

If CF Medical is pursuing a balance you believe was previously settled, gather all documentation from that settlement before engaging: written agreement, payment confirmation, bank statements, and any correspondence from the original provider.

Collecting on Decades-Old Medical Debt

A documented JustAnswer case describes a consumer who received a law firm letter on behalf of CF Medical for medical debt from 2003 and 2004, approximately 20 years old at the time of contact.

Nevada has a 6-year statute of limitations on most consumer debts. Debt that old is well past any state’s limit and cannot be enforced through a lawsuit. If CF Medical is contacting you about old medical debt, verify the original delinquency date before engaging. Any threat of legal action on a time-barred debt is an FDCPA violation.

The AssetCare Affiliated Collector

A documented BBB scam tracker entry shows a text message from AssetCare identifying CF Medical LLC as the owner of the account and Georgia Emergency Department Services as the original creditor. AssetCare is collecting on behalf of CF Medical, not on behalf of the original provider.

If you receive contact from AssetCare about a medical debt, CF Medical LLC owns the account. All FDCPA rights apply to AssetCare as the collector. Any cease-contact request or validation request should go to both AssetCare and CF Medical by certified mail.

What CF Medical Cannot Do Under Federal Law

The FDCPA applies to CF Medical LLC and any affiliated collector acting on their behalf. Under federal law, they cannot:

• Collect on balances already settled and paid through prior collectors: A documented BBB complaint pattern involving American Anesthesiology.
• Threaten legal action on time-barred debts: A documented JustAnswer case involving 20-year-old medical debt.
• Continue collecting after receiving documentation that the debt was paid: CF Medical closed the account after documentation was provided in the documented BBB case.
• Use misleading representations about the amount legally owed: A specific FDCPA concern when collecting on a balance that was written off after a prior settlement.
• Call outside permitted hours: Contact is only allowed between 8 a.m. and 9 p.m. in your time zone.

File complaints at consumerfinance.gov. Nevada residents can also file with the Nevada Consumer Affairs Division.

Medical Debt Reporting Rules Apply

Because CF Medical collects exclusively medical debt, specific credit reporting protections apply. Medical debts under $500 are not reported, paid medical collections are removed, and unpaid medical debt has a one-year waiting period before reporting.

If your account falls under any of these categories, dispute it immediately with each credit bureau.

Verify Before Paying Anything

Send a written debt validation request by certified mail within 30 days of first contact. Address it to CF Medical LLC at the Las Vegas address. Ask for the original healthcare provider’s name, the service date, the original balance, the amount CF Medical paid for the portfolio, and the complete chain of ownership from the original provider to CF Medical.

For any account you believe was previously settled, send all prior settlement documentation simultaneously with your validation request.

How to Check Your Credit Report for CF Medical Errors

Pull your credit reports from all three bureaus at AnnualCreditReport.com. Is the original healthcare provider identified? Is the service date one you recognize? Has the debt previously appeared on your report under a different collector’s name?

If this is the second time the same underlying medical bill has appeared in collections under a different company’s name, that documentation history supports your dispute.

How Long Can CF Medical Legally Pursue the Debt?

Nevada has a 6-year statute of limitations on most consumer debts. The relevant state is typically where you currently reside. Given the documented 20-year-old debt case, verify the original delinquency date before engaging on any CF Medical account.

Your Options for Resolving a CF Medical Account

Once you have verified the debt:

• Gather all prior settlement documentation immediately: If the debt was previously settled, payment records and written settlement confirmation are your strongest evidence.
• Verify the original delinquency date: Given documented pursuit of decades-old debt, the statute of limitations may have expired.
• Send cease-contact requests to both CF Medical and any affiliated collector: AssetCare and other affiliated collectors must honor cease requests.
• Dispute if inaccurate: If the debt was previously paid or settled, dispute with all three credit bureaus simultaneously.

How to Contact CF Medical, LLC

Handle all communication in writing. Note the Las Vegas address, not any Florida address that may appear in older sources:

• Address: CF Medical, LLC, 4730 S Fort Apache Road, Suite 300, Las Vegas, NV 89147
• Phone: Not publicly listed; use certified mail

Bottom Line

CF Medical LLC is a Las Vegas medical debt buyer with a documented pattern of purchasing and collecting balances that consumers say were already settled through prior collectors. Their affiliated collector AssetCare contacts consumers on their behalf.

Gather all prior settlement documentation before engaging. Verify the original delinquency date on any account. Send cease-contact requests to both CF Medical and any affiliated collector by certified mail.