Who is NPAS Solutions?
NPAS Solutions, also known as National Patient Account Services, Inc., is a debt collection agency based in Louisville, Kentucky. They are a subsidiary of HCA Healthcare, one of the largest health service organizations in the United States.
If you have failed to pay a bill, the original creditor may assign or sell the debt to a debt collector like NPAS. If this occurs, you may see their name appear on your credit report as a collections account.
Who does NPAS Solutions collect for?
NPAS Solutions is primarily involved in the collection of medical debts. They work for hospitals and other healthcare providers to recover money owed for medical services.
Is NPAS Solutions legit or a scam?
NPAS Solutions 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 NPAS Solutions from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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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
Phone number: (800) 223-9899
Should I contact or pay NPAS?
Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.
The most effective way to deal with NPAS Solutions is to work with a credit repair professional. They help remove millions of negative items every year from companies like NPAS Solutions on behalf of their clients.
Will NPAS sue me or garnish my wages?
NPAS Solutions has the legal authority to sue you in court if you have significant unpaid debt and other collection attempts have been unsuccessful. If they win a lawsuit against you, they could potentially receive a judgment that allows them to garnish your wages, subject to your state’s specific laws.
However, it’s important to note that such measures are often last resorts. Before reaching this point, NPAS Solutions will likely attempt to negotiate a payment plan or debt settlement with you.
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). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, 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 NPAS Solutions, LLC
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for NPAS Solutions 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.
- NPAS Solutions cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- NPAS Solutions 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.
- NPAS Solutions cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove NPAS Solutions From Your Credit Report Today!
Credit Saint offers assistance with disputing NPAS collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
