If NPAS Solutions has appeared on your credit report, it likely means there’s an unpaid medical bill they are trying to collect. Here’s what to know about this collection agency, your rights, and how to get them removed from your credit report.
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 healthcare organizations in the U.S.
If you’ve fallen behind on medical bills, the original provider may turn your account over to NPAS Solutions for collection. When this happens, their name may show up on your credit report as a collections account.
Who Does NPAS Solutions Collect For?
NPAS Solutions focuses on collecting medical debt. Their clients include:
- Hospitals
- Healthcare providers
- Medical service organizations
If you’ve received medical treatment through HCA Healthcare or one of their affiliated facilities and failed to pay the bill, NPAS Solutions may be handling the collection.
Is NPAS Solutions Legitimate?
Yes, NPAS Solutions is a legitimate debt collection agency. They are authorized to collect unpaid debts on behalf of their healthcare clients.
Even though they’re a real company, always confirm the details before making payments. Credit reporting errors are common, so don’t assume everything is accurate without verifying.
How to Remove NPAS Solutions From Your Credit Report
Collections accounts can stay on your credit report for up to seven years, but you have options:
- Dispute Any Errors: Review your credit report for incorrect or outdated information and dispute any mistakes with the credit bureaus.
- Request Debt Validation: You can send NPAS Solutions a written request asking them to validate the debt. They must prove it’s yours and that the amount is correct.
- Negotiate a Pay-for-Delete: Sometimes, you may be able to settle the debt and request that the account be removed from your credit report. Always get the agreement in writing.
- Work With Credit Repair Professionals: Many people choose to work with credit repair companies to handle disputes and work toward removing negative accounts.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay NPAS Solutions?
Before speaking with NPAS or sending any payments:
- Verify that the debt details are accurate
- Request validation in writing
- Understand that making a payment could reset the statute of limitations, giving the agency more time to pursue legal action
Many people work with credit repair experts to avoid mistakes and improve their chances of getting collections removed.
Can NPAS Solutions Sue You or Garnish Wages?
Yes, NPAS Solutions can sue you for unpaid debts. If they take legal action and win, they could:
- Garnish your wages
- Freeze your bank account
The rules depend on your state’s laws. Lawsuits are often a last resort, but ignoring collection notices increases the risk.
NPAS Solutions Complaints
Like many collection agencies, NPAS Solutions has received complaints with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Incorrect information on credit reports
- Harassment or aggressive collection tactics
- Failure to properly validate debts
If you believe your rights are being violated, you can file a complaint and document all interactions.
Your Rights When Dealing With NPAS Solutions
Debt collectors must follow federal laws under the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA). These laws protect you from unfair practices:
- NPAS cannot report false or incomplete information
- You have the right to request debt validation within 30 days of their first contact
- They cannot harass, threaten, or use abusive language
- They must clearly state they are a debt collector attempting to collect a debt
- They cannot threaten arrest or make false legal claims
Knowing your rights helps you handle collections the right way.
NPAS Solutions Contact Information
Mailing Addresses:
NPAS Solutions
2700 Blankenbaker Pkwy, Suite 100
Louisville, KY 40299
NPAS Solutions
13906 Promenade Green Way, Suite 300
Louisville, KY 40245
NPAS Solutions
111 Corporate Office Drive, Suite 200
Earth City, MO 63045
Phone Number:
(800) 223-9899
Ready to Get NPAS Solutions Off Your Credit Report?
If NPAS Solutions is affecting your credit, you don’t have to deal with it alone. Credit Saint has helped thousands of clients dispute inaccurate accounts and clean up their credit reports.
They even offer a 90-day money-back guarantee for extra peace of mind.
Visit their website or call (855) 281-1510 to get started today and take control of your credit.
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.
