Who is NPAS Solutions?
NPAS Solutions, LLC aka National Patient Account Services, Inc. is a debt collection agency located in Louisville, Kentucky. Their parent company is HCA Healthcare.
You may see NPAS listed on your credit report as a collections account. This can happen if you forgot to pay a bill and your account was sent to a debt collector.
Removing NPAS Solutions from Your Credit Report
NPAS collections can hurt your credit score and remain on your credit report for up to 7 years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.
However, it is possible to have a collection account removed from your credit report before 7 years.
(Debt collectors prefer that we didn’t tell you this, but it’s something you should know.)
Lexington Law Firm is a credit repair company that helps people fix their credit.
In addition to collections, Lexington Law will help you challenge (and possibly remove) other inaccurate information from your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, judgments, tax liens, and bankruptcies.
Call Lexington Law now to learn more: (800) 220-0084
National Patient Account Services, Inc. (NPAS) Contact Information
Address:
NPAS Solutions
2700 Blankenbaker Pkwy Ste 100
Louisville, KY 40299
NPAS Solutions
13906 Promenade Green Way Suite 300
Louisville, KY 40245
NPAS Solutions
111 Corporate Office Drive Ste 200
Earth City, MO 63045
Website: http://npasweb.com/
Phone number: (800) 223-9899
Should I contact or pay NPAS?
Nothing good can come from speaking to a collection agency on the phone. And making payments on the collection account will reset the clock. So instead of helping your credit, it could make it worse.
The best way to deal with NPAS Solutions is to work with a professional credit repair service. They have deleted millions of negative items from companies like NPAS Solutions for millions of clients nationwide.
And they can help you too.
Will NPAS sue me or garnish my wages?
It’s possible, but if you work with a law firm like Lexington Law, you have nothing to worry about. They will help you dispute the collection account and possibly get it removed from your credit report. It’s also quite possible that you will never hear from or have to deal with NPAS Solutions again.
Call Lexington Law to learn how they can help you avoid lawsuits and remove negative items from your credit report that will significantly improve your credit scores.
Wage Garnishment
Some states allow wage garnishment, while others do not. It is important to note that if you are in a state that does not allow wage garnishment, it is illegal for them to threaten to garnish your wages.
It is also illegal for NPAS Solutions to make any claims they cannot or will not follow through on – this includes threatening to sue you or to foreclose on your home.
NPAS Solutions, LLC Complaints
Most debt collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). It’s because they often report accounts inaccurately and/or for harassment. If you are being harassed by a debt collector, 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). Lexington Law knows that you have rights, and NPAS Solutions does too.
How Collections Affect Your Credit
Missed payments over several months will cause a hit to your credit score. Couple that with a collection account on your credit report, and it can definitely impact your ability to qualify for new credit.
Debt collectors often buy and sell debt from one another, so this can lead to multiple collections showing on your credit reports for the same account.
When this happens, if you don’t dispute the accounts, they will definitely harm your credit score.
Your Rights When Dealing with NPAS Solutions, LLC
There are strict regulations about what a debt collector can and cannot do in the United States. For example, the Fair Debt Collection Practices Act prevents the use of abusive or deceptive tactics to collect any debt, whether or not you actually owe it. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:
- It is a violation of federal law for NPAS Solutions to report inaccurate or incomplete information on your credit report.
- Debt validation. Under the FDCPA, you have the right to validate a debt. Upon request, the collection agency reporting the information must prove to you, within 30 days, that the account is really your responsibility and the amount of money you owe is accurate.
- All personal debts are covered, including personal credit cards, auto loans, household bills, and mortgage payments.
- NPAS Solutions may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- NPAS Solutions must be honest about who they are and what they are trying to do. They must notify you that they are a collection agency both orally and in writing.
- NPAS Solutions cannot threaten to have you arrested, and they are not allowed to threaten to take legal action if they have no intention of doing so.
Can NPAS collections be removed from my credit report?
Lexington Law specializes in disputing NPAS collection accounts. They have over 28 years of experience and have removed over 7 million negative items for their clients in 2020 alone.
Get Your Collections Removed Today!
If you’re looking for a reputable company to help you with collection accounts and repair your credit, we HIGHLY recommend Lexington Law.
Call them at (800) 220-0084 for a free credit consultation. They have helped many people in your situation and have paralegals standing by waiting to take your call.