Paragon Contracting Services on Your Credit Report: What to Know

Paragon Contracting Services, LLC is one of approximately 20 alternate names used by a large South Florida healthcare billing and collections network. Every account traces to a Florida hospital, emergency physician group, or surgery center.

A documented BBB complaint describes a consumer who was told by their hospital they were paid in full, then received a $615 Paragon collection notice months later due to incorrect insurance information in the billing system.

This guide covers who Paragon Contracting Services is, their documented patterns, and how to respond.

Who Is Paragon Contracting Services?

Paragon Contracting Services, LLC is an alternate business name used by Account Resolution Services (ARS) and Healthcare Revenue Recovery Group (HRRG).

Other names the same network uses include HRRG LLC, Paragon Emergency Services, Paragon Contracting SRV LLC, Emergency Physicians Fort Walton, Emergency Physicians Palmetto, Plantation Billing Center, and Southwest Florida Emergency Management, among others.

If any of these names appears on your credit report alongside a Florida medical account, they all trace to the same billing network.

Florida Emergency Medicine Specialty

Paragon Contracting Services and its affiliated names collect exclusively for Florida healthcare providers. Their documented client types include hospital emergency departments, family medicine and general surgery practices, critical care facilities, and sports medicine providers.

The most common source of a Paragon account is an emergency room visit where the ER physician group bills separately from the hospital. Many patients pay their hospital bill in full without realizing the ER physician group submits a separate bill. Paragon frequently collects on those physician group balances.

If Paragon is collecting on an account you do not recognize, verify whether it traces to an ER visit where you may have received a separate physician bill after paying the hospital.

Collecting After Hospital Confirmed Payment

A documented 2025 BBB complaint describes a consumer who brought their child to an ER visit and confirmed with the hospital multiple times that the account was paid in full. Months later, HRRG sent a collection notice for $615 for the same visit.

The hospital’s response revealed the billing network had the wrong insurance information on file. When insurance was rejected due to incorrect information, the balance fell to the consumer without any new notice being sent.

If Paragon is collecting on an ER visit you believed was resolved, contact both the hospital and the specific physician group that billed for the visit. ER physician groups often bill through separate billing companies. Confirm whether the physician group received correct insurance information and whether the claim was ever properly submitted.

The 2023 Data Breach

A documented BBB complaint describes a consumer who was notified by their credit monitoring service in May of a medical debt collection appearing on their report. The consumer stated their identity was stolen from Paragon Emergency Services during a data breach in July 2023.

If you received a breach notification from any Paragon entity or HRRG and now have unfamiliar medical collections appearing on your report, send an identity theft affidavit and police report to Paragon by certified mail and dispute the credit report entry with all three bureaus simultaneously.

Paragon Does File Lawsuits

Unlike many smaller agencies, Paragon Contracting Services does pursue legal action on valid in-statute debts. If you receive a summons from any Paragon entity, respond before Florida’s deadline. Florida allows 20 days to respond to a civil complaint. Failing to respond results in a default judgment allowing wage garnishment and bank levies.

What Paragon Cannot Do Under Federal Law

The FDCPA applies to Paragon Contracting Services. Under federal law, they cannot:

• Collect on balances already paid where the billing error was their own: A documented 2025 BBB complaint involving incorrect insurance information.
• Report accounts without providing prior notice to consumers: Standard Regulation F requirement.
• Fail to validate the debt within 30 days of a written request: Required under the FDCPA.
• Use harassing or abusive language: Standard FDCPA prohibition.
• Call outside permitted hours: Contact is only allowed between 8 a.m. and 9 p.m. in your time zone.

File complaints at consumerfinance.gov. Florida residents can also file with the Florida Attorney General’s Consumer Protection Division.

Medical Debt Reporting Rules Apply

Because Paragon 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.

Verify Before Paying Anything

Pull your explanation of benefits for the relevant service dates. For ER visits, pull EOBs for both the hospital and any separate physician group billing. Send a written debt validation request by certified mail within 30 days of first contact. Ask for the specific provider name, the service date, and confirmation that all insurance was correctly billed.

How to Check Your Credit Report for Paragon Errors

Pull your credit reports from all three bureaus at AnnualCreditReport.com. Search under all known Paragon and HRRG name variations. Is the original provider identified? Does the service date match an actual visit? Is the balance consistent with your EOB?

Any inaccuracy is grounds for a dispute with each credit bureau.

How Long Can Paragon Legally Pursue the Debt?

Florida has a 5-year statute of limitations on most consumer debts. The relevant state is typically where you currently reside.

Your Options for Resolving a Paragon Account

Once you have verified the debt:

• Contact both the hospital and the physician group separately: ER physician groups bill independently and often use different billing companies than the hospital.
• Verify insurance was correctly billed: A documented case shows Paragon collecting after incorrect insurance information caused claim rejection.
• Respond to any lawsuit within Florida’s 20-day deadline.
• Dispute data breach identity theft accounts: Send police report and FTC affidavit to Paragon by certified mail and dispute with all three bureaus.

How to Contact Paragon Contracting Services

Handle all communication in writing. Use whichever Paragon or HRRG name appears on correspondence:

• Address: Paragon Contracting Services, LLC, 1309 N Flagler Drive, Fort Lauderdale, FL 33304
• Phone: (954) 475-1300

Bottom Line

Paragon Contracting Services is one of approximately 20 names used by the HRRG healthcare billing network in South Florida. Every account traces to a Florida medical provider. Their most documented issue is collecting on ER physician balances after hospitals confirmed accounts were paid, due to incorrect insurance information in their billing system.

Verify both the hospital and the physician group billing separately. Pull your EOB before paying anything Paragon claims you owe.