H & R Accounts on Your Credit Report: Your Options Explained

If H & R Accounts has appeared on your credit report or is calling you, the company’s parent brand is Avadyne Health, a Moline, Illinois healthcare revenue management company. H & R Accounts is one of Avadyne Health’s collection divisions, alongside MedPay Management Systems, Preferred Medical Deposit, and Revenue Cycle Partners.

Multiple consumer attorney sources confirm H & R Accounts is not known for filing lawsuits against consumers. A documented 2025 BBB complaint describes daily robocalls with no one on the line after the consumer had already paid the debt directly to the original healthcare provider.

This guide covers who they are, their documented patterns, and how to respond.

Who Is H & R Accounts?

H & R Accounts, Inc. is a third-party healthcare debt collection agency founded in 1971 in Moline, Illinois. The company operates as part of Avadyne Health and employs approximately 360 people across offices in Moline, Iowa, and Montana. H & R Accounts is BBB-accredited since 2010 with an A+ rating and has accumulated over 150 CFPB complaints.

Avadyne Health describes its services as including first and third-party self-pay billing, insurance claims resolution, bad debt recovery, denial management, skip tracing, and credit reporting. This broader service model means H & R Accounts sometimes pursues accounts where insurance claim resolution is still pending.

Why H & R Accounts Is on Your Credit Report

H & R Accounts collects exclusively for healthcare providers. Their confirmed client categories include:

• Hospitals: Inpatient and outpatient hospital balances.
• Physician groups: Specialty and primary care physician invoices.
• Clinics and medical groups: Outpatient and ancillary provider balances.

Because Avadyne Health also offers insurance claims resolution and denial management services, some accounts placed with H & R Accounts may involve balances where insurance was denied or never properly adjudicated. Before paying any H & R Accounts balance, confirm with your insurer that the claim was properly processed.

Continuing to Call After Direct Payment to Provider

A documented 2025 BBB complaint describes a consumer who paid a healthcare balance directly to the original provider. After making the payment, H & R Accounts began calling daily. When the consumer answered, no one responded on the other end. The consumer called H & R Accounts directly, explained the debt was paid, and asked to have their number removed. The calls continued.

This is a documented pattern: when a consumer pays the original provider directly rather than through H & R Accounts, the payment information does not always reach H & R Accounts promptly. If you have paid the original provider and H & R Accounts continues calling, send payment confirmation by certified mail and request a written confirmation that the account has been closed.

Robocalls Without Identification

A documented 2025 BBB complaint describes a consumer receiving consistent robocalls from a number claiming to be H & R Accounts. The calls did not request to speak to the consumer directly and did not reference a debt. The consumer had to research the number independently to identify the caller.

Under the FDCPA, every debt collection communication must identify the caller as a debt collector. Robocalls that do not disclose the caller’s identity or the purpose of the call may violate this requirement. Under the TCPA, automated calls to cell phones without prior consent can result in $500 to $1,500 per call in statutory damages. Document every robocall with date, time, and number.

Collecting Without Prior Notice

A documented 2024 BBB complaint describes a consumer who discovered a $1,404 H & R Accounts collection on their credit report dated February 2023. The consumer stated they had never done business with H & R Accounts, never signed any agreement with them, and never received prior notice before the account appeared on their credit report.

If H & R Accounts appears on your credit report and you received no prior notice, dispute the entry with each credit bureau and file a CFPB complaint citing the lack of prior written validation notice required by Regulation F.

What H & R Accounts Cannot Do Under Federal Law

The FDCPA applies to H & R Accounts. Under federal law, they cannot:

• Continue collecting after the consumer has paid the original provider: A documented 2025 BBB complaint.
• Make robocalls that do not identify the caller or purpose: A documented 2025 BBB complaint with TCPA implications.
• Report to credit bureaus without prior written notice: A documented 2024 BBB complaint pattern.
• Threaten lawsuits or wage garnishment they do not intend to pursue: Multiple attorney sources confirm H & R Accounts does not sue consumers.
• 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. Illinois residents can also file with the Illinois Attorney General’s Consumer Fraud Bureau.

Medical Debt Reporting Rules Apply

Because H & R Accounts focuses exclusively on healthcare, 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.

Verify the Debt Before Paying Anything

Send a written debt validation request by certified mail within 30 days of first contact. Ask for the original creditor, the dates of service, an itemized bill, and confirmation that insurance was properly billed and adjudicated. Given Avadyne Health’s insurance resolution services, also ask specifically whether any insurance denial or appeal is pending on the account.

How to Check Your Credit Report for H & R Accounts Errors

Pull your credit reports from all three bureaus at AnnualCreditReport.com. Search under both H & R Accounts and Avadyne Health. Is the balance correct? Is the account within the one-year medical debt reporting window? Was prior notice provided? Any inaccuracy is grounds for a dispute with each credit bureau.

How Long Can H & R Accounts Legally Pursue the Debt?

Illinois has a 5-year statute of limitations on most consumer debts. If you no longer live in Illinois, the relevant state is typically where you currently reside.

Your Options for Resolving an H & R Accounts Account

Once you have verified the debt, consider your options:

• Send payment confirmation if already paid: If you paid the original provider, send documentation to H & R Accounts by certified mail and request written account closure.
• Verify insurance processing: Ask whether any insurance denial or appeal is still pending before paying.
• Negotiate a settlement: Documented settlements run at 60 to 67 percent of the balance. Get any agreement in writing before paying.
• Dispute if inaccurate: If prior notice was not provided or the account was already paid, dispute with the credit bureaus.

How to Contact H & R Accounts

Handle all communication in writing:

• Address: H & R Accounts, Inc., 5320 22nd Ave, Moline, IL 61265
• H & R Accounts phone: (309) 736-2255
• Avadyne Health phone: (800) 973-9890

Bottom Line

H & R Accounts is a healthcare-only collector operating under the Avadyne Health brand that does not sue consumers. Their most documented issues are continuing robocalls after accounts have been paid directly to the original provider and reporting accounts without prior notice.

Send payment confirmation by certified mail if you paid the original provider. Document every robocall for potential TCPA claims, and dispute any account that appeared without prior written notice.