If InPhyNet Contracting Services, LLC is showing up on your credit report, it likely means a collection account has been added. Collection accounts can significantly lower your credit score and stay on your credit report for up to seven years if not addressed.
Here’s what to know about InPhyNet Contracting Services and how to work toward removing their account from your credit report.
Who Is InPhyNet Contracting Services?
InPhyNet Contracting Services, LLC, also known as InPhyNet TeamHealth Southeast, is a debt collection agency based in Tamarac, Florida. They collect unpaid debts on behalf of businesses, most often in the healthcare sector.
If you see “InPhyNet Contracting Svc” on your credit report, it usually means they have been hired to collect an unpaid medical debt from a hospital, clinic, or healthcare provider.
Who Does InPhyNet Contracting Services Collect For?
InPhyNet primarily focuses on collecting healthcare-related debts, which may include:
- Unpaid Medical Bills
- Hospital Charges
- Other Healthcare Service Debts
They may also purchase delinquent medical accounts from healthcare providers and attempt to collect the amounts owed.
Is InPhyNet Contracting Services Legitimate?
Yes, InPhyNet Contracting Services is a legitimate debt collection agency. They are authorized to collect debts for their clients. That said, it’s essential to verify any debt before making payments, as errors on credit reports are common.
How to Remove InPhyNet Contracting Services from Your Credit Report
To get InPhyNet Contracting Services off your credit report, consider the following steps:
- Dispute the Account: Check your credit report for inaccurate or outdated information. If you find errors, file a dispute with the credit bureaus to have them corrected.
- Request Debt Validation: You have the right to ask InPhyNet for proof that the debt belongs to you and that the amount is accurate. Send a written debt validation letter within 30 days of their first contact.
- Negotiate a Pay-for-Delete: In some cases, you may be able to arrange a pay-for-delete agreement, where you pay the debt in exchange for having the account removed from your credit report. Get all agreements in writing.
- Work with a Credit Repair Company: If dealing with collection agencies feels overwhelming, a reputable credit repair company can assist with disputing negative accounts and protecting your credit.
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Should You Contact or Pay InPhyNet Contracting Services?
Before contacting or paying InPhyNet, make sure to verify the debt is valid, accurate, and within the statute of limitations. Making a payment on old debt can sometimes reset the clock, which may further impact your credit.
Many consumers prefer working with a credit repair professional to avoid mistakes when dealing with collection agencies.
Can InPhyNet Contracting Services Sue You or Garnish Your Wages?
Debt collectors like InPhyNet have the legal right to sue for unpaid debts. If they win a lawsuit, they may be allowed to garnish wages, levy bank accounts, or take other legal actions, depending on state laws.
Lawsuits are typically a last resort, as many collection agencies prefer negotiating a payment plan or settlement first. Ignoring collection notices, however, can increase your risk of legal action.
InPhyNet Contracting Services Complaints
Like many debt collectors, InPhyNet Contracting Services has complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Reporting inaccurate information to the credit bureaus
- Failing to validate debts when requested
- Harassment or aggressive collection tactics
If you experience harassment or inaccurate reporting, you can file a complaint with the CFPB or BBB.
Your Rights When Dealing with InPhyNet Contracting Services
You have protections under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA), including:
- You can request written proof of the debt, and they must provide it within 30 days.
- They cannot report false or incomplete information to the credit bureaus.
- Harassment, threats, or abusive language are illegal.
- InPhyNet must clearly identify themselves as a debt collector in all communication.
- They cannot threaten arrest or jail for unpaid debts.
Knowing your rights helps protect you from unfair treatment by debt collectors.
InPhyNet Contracting Services Contact Information
Address:
InPhyNet Contracting Services, LLC
5870 Hiatus Rd, Suite 200
Tamarac, FL 33321
Phone Numbers:
(954) 475-1300
(954) 590-4660
It’s recommended to communicate in writing and keep copies of all correspondence.
Remove InPhyNet Contracting Services from Your Credit Report Today
Struggling with collection accounts like InPhyNet? A trusted credit repair company, such as Credit Saint, can assist with disputing negative items—and they even offer a 90-day money-back guarantee for peace of mind.
Visit their website or call (855) 281-1510 to learn more about your options.
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.
