H & R Accounts


Is H & R Accounts hurting your credit score?

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Who is H & R Accounts?

H & R Accounts, also known as Avadyne Health, is a debt collection agency based in East Moline, Illinois. Their role is to assist healthcare providers in collecting funds that are owed to them but remain unpaid.

If you see H & R Accounts or Avadyne Health on your credit report as a collections account, it typically indicates that you have a medical bill that was unpaid and has since been turned over to this agency for collection.

Who does H & R Accounts collect for?

H & R Accounts primarily serves the healthcare sector. They partner with medical establishments like hospitals, physicians’ offices, and clinics to recover outstanding debts. These could range from unpaid medical procedures and treatments to other healthcare-related services.

Is H & R Accounts legit or a scam?

H & R Accounts, Inc. is a legitimate debt collection agency. They operate within the legal frameworks governing debt collection and are authorized to collect on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.

How can I remove H & R Accounts from my credit report?

H & R Accounts collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

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They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

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H & R Accounts, Inc. Contact Information


H & R Accounts, Inc.
5320 22nd Ave
Moline, IL 61265

Phone number: (309) 736-2255

Should I contact or pay H & R Accounts?

It’s best to avoid speaking to a debt collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it.

The most effective way to deal with H & R Accounts is to work with a credit repair professional. They help remove millions of negative items every year from companies like H & R Accounts, Inc. on behalf of their clients.

Will H & R Accounts sue me or garnish my wages?

H & R Accounts has the legal ability to sue for unpaid debts. If they decide to sue for unpaid debts and wins, several things could happen. They might garnish your wages or levy your bank accounts. They could also place a lien on your property. However, these outcomes depend on your local and state laws.

However, keep in mind that lawsuits are generally considered a last resort due to the costs and time associated with legal proceedings. In most cases, H & R Accounts would rather work out a payment plan or settle the debt outside of court.

H & R Accounts, Inc. Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassing phone calls, or failure to verify a debt. If you find yourself facing any of these situations with a debt collection company, you should also consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with H & R Accounts

Debt collectors must follow state and federal laws. For example, the FDCPA prohibits a debt collection company from using abusive, unfair, or deceptive practices and ensures your rights are protected:

  • It is a violation of federal law for H & R Accounts to report inaccurate or incomplete information about you.
  • You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
  • H & R Accounts cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • H & R Accounts must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
  • H & R Accounts cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove H & R Accounts From Your Credit Report Today!

Credit Saint can help you dispute H & R collection accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or call (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

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