If Marcam Associates has appeared on your credit report, the debt is a medical bill. Marcam Associates is a Rochester, New Hampshire healthcare-only collection agency founded in 1983.
Two things worth noting immediately. Their BBB profile lists Community Cash Management LLC as an alternate name. If you receive correspondence from Community Cash Management about a healthcare debt, that is the same Rochester, New Hampshire organization. Second, New Hampshire has a 3-year statute of limitations on most consumer debts, one of the shortest in the country.
Marcam Associates does file lawsuits on valid in-statute debts. This guide covers who they are, their documented patterns, and how to respond.
Who Is Marcam Associates?
Marcam Associates is a third-party healthcare debt collection agency founded on June 1, 1983, and headquartered in Rochester, New Hampshire. The company operates as an LLC and is not BBB-accredited. Their BBB profile lists Community Cash Management LLC as an alternate operating name. The CFPB database connects them to Community Cash Management Corp.
Marcam specializes in healthcare revenue cycle management. Their background includes direct hospital experience in patient accounting and fiscal departments. Services include self-pay billing, insurance follow-up, bad debt collections, legacy work-downs, and predictive scoring.
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Why Marcam Associates Is on Your Credit Report
Marcam collects exclusively for healthcare providers. Their client base includes hospitals, clinics, and private medical practices throughout New England.
Because Marcam also offers insurance follow-up services, some accounts they pursue may involve balances where insurance was denied, processed incorrectly, or never properly submitted. Before paying any Marcam balance, pull your explanation of benefits for the relevant service dates.
If Marcam is contacting you and you have no history of medical services in New Hampshire or the surrounding New England area, investigate for identity errors or skip tracing mistakes.
Marcam Does File Lawsuits
Marcam Associates pursues legal action on valid in-statute debts. If a consumer doesn’t respond to Marcam’s collection contact, legal action is a realistic next step.
If you receive a summons from Marcam Associates, respond before New Hampshire’s deadline. New Hampshire allows 30 days to respond to a civil complaint. Failing to respond results in a default judgment, which gives Marcam the ability to garnish wages and levy bank accounts.
Do not ignore any Marcam correspondence referencing a court filing or hearing date.
The Community Cash Management Name
Marcam Associates’ BBB profile lists Community Cash Management LLC as an alternate name. The CFPB database connects the company to Community Cash Management Corp under the same Rochester, New Hampshire address.
If you receive collection letters or calls from Community Cash Management about a medical debt, verify the address and phone number match Marcam’s known contact information before engaging. All FDCPA rights apply equally under either name.
Abusive Tactics Pattern
Multiple documented BBB reviews and consumer attorney sources describe Marcam Associates escalating to abusive tactics after initial contact. America’s Consumer Lawyer specifically notes that despite the company’s stated commitment to professionalism and integrity, many reviews cite abusive language and badgering phone calls.
The intensity often escalates when consumers express good faith in trying to resolve the account but cannot pay the full balance immediately. If Marcam’s contact becomes abusive, document the call content, date, and time. Each FDCPA violation for abusive language or harassment can support a statutory damages claim of up to $1,000.
What Marcam Cannot Do Under Federal Law
The FDCPA applies to Marcam Associates. Under federal law, they cannot:
- Use abusive, harassing, or threatening language: A documented pattern in consumer reviews and attorney sources.
- Call outside permitted hours: Contact is only allowed between 8 a.m. and 9 p.m. in your time zone.
- Make repeated calls designed to annoy or harass: A documented pattern.
- Threaten legal action they do not intend to take: Though Marcam does sue, any specific threat must be accurate.
- Fail to validate debts within 30 days of a written request: Required under the FDCPA.
File complaints at consumerfinance.gov. New Hampshire residents can also file with the New Hampshire Attorney General’s Consumer Protection Bureau.
Medical Debt Reporting Rules Apply
Because Marcam collects exclusively for healthcare providers, 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 Insurance Before Paying Anything
Pull your explanation of benefits for the relevant service dates. Confirm the claim was submitted to your insurer and properly adjudicated. If insurance should have covered the balance, send your EOB to Marcam by certified mail and dispute the credit report entry simultaneously.
Send a written debt validation request within 30 days of first contact. Ask for the original creditor, the dates of service, an itemized bill, and confirmation of all insurance claims submitted.
How to Check Your Credit Report for Marcam Errors
Pull your credit reports from all three bureaus at AnnualCreditReport.com. Search under both Marcam Associates and Community Cash Management. Is the balance correct? Is the original provider identified? Is the account within the one-year medical debt reporting window?
Any inaccuracy is grounds for a dispute with each credit bureau.
How Long Can Marcam Legally Pursue the Debt?
New Hampshire has a 3-year statute of limitations on most consumer debts. This is one of the shortest limits in the country. If you no longer live in New Hampshire, the relevant state is typically where you currently reside.
Your Options for Resolving a Marcam Account
Once you have verified the debt:
- Verify insurance first: Pull your EOB before engaging Marcam on any balance.
- Respond to any lawsuit immediately: Marcam does litigate. New Hampshire’s 30-day response window is not long.
- Check the statute of limitations: New Hampshire’s 3-year limit may already have expired on older accounts.
- Dispute if inaccurate: If insurance should have covered the balance or the account falls under medical debt reporting rules, dispute with the credit bureaus.
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How to Contact Marcam Associates
Handle all communication in writing:
- Address: Marcam Associates, 36 Industrial Way, Rochester, NH 03867
- Mailing address: PO Box 60, Rochester, NH 03866
- Phone: (800) 638-1005
Bottom Line
Marcam Associates is a New Hampshire healthcare collector that does file lawsuits. Their alternate name Community Cash Management may appear on correspondence and CFPB records. New Hampshire’s 3-year statute of limitations is one of the shortest in the country.
Respond to any summons within 30 days. Verify insurance billing before paying. Check the statute of limitations on any older account before engaging.
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.