If you found Outsource Receivables Management on your credit report, you’re likely dealing with a medical collection. A collection account can hurt your credit score for up to seven years, but there are ways to handle the situation—and possibly get it removed.
Who Is Outsource Receivables Management?
Outsource Receivables Management (ORM) is a third-party debt collection agency with offices in Ogden, Utah, and Idaho Falls, Idaho. They collect unpaid debts for healthcare providers and often report those debts to the credit bureaus.
If you see their name on your credit report, it means a medical bill you didn’t pay was sent to them for collection.
Who Does Outsource Receivables Management Collect For?
ORM works with a range of healthcare providers, including:
- Hospitals
- Doctors’ offices
- Private practices
- Medical facilities
If you’ve fallen behind on medical bills, the provider may have hired Outsource Receivables Management to collect the balance.
Is Outsource Receivables Management Legitimate?
Yes, Outsource Receivables Management is a real debt collection company. They are legally authorized to collect debts for their clients. That said, you should always confirm any debt they claim you owe is accurate before making a payment.
How to Remove Outsource Receivables Management From Your Credit Report
A collection account can lower your credit score, so addressing it quickly is important. Here are the most common ways to get it removed:
- Dispute inaccuracies: If any information—like the balance, dates, or ownership—is incorrect, file a dispute with the credit bureaus. They are required to investigate and correct any mistakes.
- Request debt validation: You have the right to ask Outsource Receivables Management to prove the debt is yours and that the amount is correct. If they can’t validate the debt, they must stop collecting and remove the account from your credit report.
- Negotiate a pay-for-delete: In some cases, you can offer a payment in exchange for having the account removed from your credit report. Always get the agreement in writing before sending money.
- Work with a credit repair company: Credit repair professionals help people challenge negative items like collections and may improve your chances of removal.
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 Outsource Receivables Management?
Before contacting or paying any collection agency, confirm the debt is valid and accurately reported. Credit reports can contain errors or outdated information. Also, making a payment could restart the statute of limitations, which might give the collector more time to pursue legal action.
If you’re unsure how to handle the situation, working with a trusted credit repair company can help you protect your credit and deal with the process more effectively.
Can Outsource Receivables Management Sue You or Garnish Your Wages?
Debt collectors like Outsource Receivables Management can sue you to recover unpaid debts. If they win in court, they may be able to:
- Garnish your wages
- Take funds from your bank account
- Place a lien on your property (depending on your state’s laws)
Lawsuits are typically a last resort for most collection agencies due to the time and expense involved. They often prefer to settle debts without going to court.
Outsource Receivables Management Complaints
Many collection agencies have complaints with the Consumer Financial Protection Bureau (CFPB) and Better Business Bureau (BBB). Common complaints include:
- Inaccurate information on credit reports
- Harassment or excessive phone calls
- Failure to properly validate debts
If you believe your rights are being violated, you can file a complaint with the CFPB or your state attorney general.
Your Rights When Dealing With Outsource Receivables Management
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) protect your rights when dealing with debt collectors like Outsource Receivables Management.
They are not allowed to:
- Report false or incomplete information about you
- Harass, threaten, or use abusive language
- Call excessively or at unreasonable hours
- Misrepresent who they are or their purpose
- Threaten arrest or jail for unpaid debts
You have the right to:
- Request written debt validation within 30 days of their first contact
- Dispute inaccurate information on your credit report
- Be treated fairly and respectfully
Understanding your rights makes it easier to handle the situation with confidence.
Outsource Receivables Management Contact Information
Here’s how to reach them if you choose to communicate:
Outsource Receivables Management
1349 Washington Blvd
Ogden, UT 84404
Outsource Receivables Management
106 North Woodruff
Idaho Falls, ID 83401
Phone: (800) 325-2702 or (888) 552-7995
Always keep written records of any communication with debt collectors, and avoid making verbal agreements without written confirmation.
Remove Outsource Receivables From Your Credit Report Today
If managing collection accounts feels overwhelming, a credit repair service can help. Credit Saint has over 15 years of experience helping clients challenge inaccurate collections, errors, and other negative marks on their credit reports. They even offer a 90-day money-back guarantee for extra peace of mind.
Getting expert help can make it easier to clean up your credit and work toward a better score.
Visit their website or call (855) 281-1510 to get started.
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.
