Quick Collect Inc on Your Credit Report: Your Rights

Quick Collect, Inc. is a small medical and dental collection agency operating in Oregon and Washington, but small does not mean passive. The agency files lawsuits regularly, pursues wage garnishments aggressively, and has been named in federal FDCPA cases alleging debt amount misrepresentation in its own form collection letters.

If you find a Quick Collect entry on your credit file, the timeline for responding matters more here than with most agencies its size.

This guide covers who QCI collects for, the documented court cases, specific complaint patterns, your federal rights, and how to handle the account before it reaches a courtroom.

Who Is Quick Collect, Inc.?

Quick Collect, Inc. is a Portland, Oregon-area collection agency originally incorporated in 1985. The company operates from Vancouver, Washington, with a primary mailing address in Portland, Oregon.

QCI employs approximately seven people and generates estimated annual revenue around $262,000. The agency is not currently accredited by the Better Business Bureau. Despite its small size, QCI files lawsuits and pursues wage garnishments at a rate that stands out for an operation of this scale.

Who Does Quick Collect Collect For?

QCI works almost exclusively with healthcare and dental providers. The agency holds exclusive endorsements from several regional medical and dental associations, making it the default collection partner for member practices.

Confirmed clients and endorsing organizations include:

• Oregon Medical Association: QCI is the endorsed collection partner for OMA member physicians and clinics statewide.
• Oregon Dental Association: QCI handles collections for ODA-member dental practices across Oregon.
• Washington State Medical Association: QCI collects for WSMA member providers across Washington state.
• Regional dental societies: Thurston-Mason, Clark, Pierce, Kitsap, and Olympic Peninsula County dental societies endorse QCI as their collection partner.
• Veterinary clinics: BBB complaint records document QCI collecting for animal hospitals on disputed pet care charges.

Documented Federal Lawsuits Against QCI

In Voloshina v. Quick Collect, Inc. (D. Oregon 2016, Case No. 3:16-cv-01398-YY), the plaintiff alleged QCI misrepresented debt amounts in its standard form collection letters. The complaint reserved the right to pursue class action allegations after discovery, suggesting the misrepresentation may have appeared in letters sent to many Oregon consumers.

In Valerie K. v. Quick Collect (Jackson County, Oregon, April 2014), the plaintiff alleged harassing phone calls and failure to properly identify QCI as a debt collector in voicemail messages, both specific FDCPA violations.

Common QCI Complaint Patterns

• Failure to update credit reports after payment: Multiple consumers describe paying balances in full and having QCI fail to update or remove the negative entry from their credit file.
• Unauthorized payment attempts: A 2024 BBB complaint documents QCI attempting to charge $2,671 against a consumer debit card without authorization while a payment plan was already active.
• Aggressive process serving: Reviews describe process servers approaching consumers loudly outside their homes and reaching people at addresses they never provided to QCI.
• Employer payroll contact during garnishments: QCI contacts employer payroll departments repeatedly when garnishments are delayed, creating workplace tension beyond standard legal procedure.
• Collecting above court-ordered amounts: A BBB review documents QCI collecting $63 above the court-ordered judgment and refusing to issue a refund.

What QCI Cannot Do Under Federal Law

• Misrepresent the debt amount in collection letters: The Voloshina case alleged QCI form letters overstated what consumers owed, violating Section 1692e of the FDCPA.
• Fail to identify as a debt collector in voicemail: Every message must clearly disclose that QCI is a debt collector attempting to collect a debt.
• Process unauthorized card charges: Charging a card outside agreed payment plan terms violates the Electronic Fund Transfer Act.
• Collect beyond a court-ordered judgment amount: Once a judgment is entered, QCI is legally limited to exactly what the court authorized.
• Contact outside legal hours: Calls before 8 a.m. or after 9 p.m. local time violate the FDCPA regardless of the balance owed.

Verify Before Paying QCI

Medical and dental accounts require specific documentation to validate properly. Send a certified validation letter demanding the original itemized bill with CPT procedure codes, the date and provider name for each service, insurance Explanation of Benefits records showing what your insurer paid or denied, proof that insurance was billed before the account went to collections, and written confirmation of any payment plan terms.

Dental and veterinary accounts warrant especially close scrutiny because providers do not always reconcile bills against insurance payments before referring to collections.

How to Check Your Credit Report

Pull all three reports at AnnualCreditReport.com and search for Quick Collect or QCI as the furnisher. Confirm the original provider name, balance, and date of first delinquency against any statements or explanation of benefits you have on file.

If you have already paid an account QCI has not updated, gather your payment confirmation and file disputes with Experian, Equifax, and TransUnion simultaneously. Failure to update after payment is one of QCI’s most documented complaint patterns.

How Long Can QCI Legally Pursue the Debt?

Oregon allows six years on most written contracts including medical and dental service agreements. Washington has a six-year limit on written contracts and three years on open accounts.

The state where you received treatment governs the statute of limitations, not where QCI is based. A verbal acknowledgment or any partial payment can restart the civil clock in both states.

Your Options for Resolving the Account

• Demand validation before engaging further: Send the certified validation letter and refuse to confirm any account information by phone until QCI produces complete documentation including insurance billing records.
• Dispute through all three bureaus if already paid: QCI has a documented pattern of failing to update reports after payment. Disputes force bureaus to investigate within 30 days.
• Get settlement terms in writing before paying: Never send payment without a written agreement on the exact amount, payment method, and credit reporting outcome. The unauthorized card charge complaint shows why verbal agreements are not sufficient.
• Respond to any summons immediately: QCI files lawsuits regularly. If you receive a court summons, respond within your state deadline and bring all validation correspondence as your defense.

How to Contact Quick Collect

Handle all communication in writing. Send disputes by certified mail with return receipt requested:

• Washington address: Quick Collect, Inc., 5500 NE 107th Ave, Vancouver, WA 98662
• Oregon mailing address: Quick Collect, Inc., PO Box 55457, Portland, OR 97238
• Phone: (503) 252-0083 or (360) 256-7888

Bottom Line

QCI is a small medical and dental collection agency with an outsized willingness to litigate. The Voloshina case alleging debt amount misrepresentation in form letters is significant because it targets the agency’s standard template, not an isolated error.

Never send payment to QCI without a written agreement on the exact balance, payment terms, and credit reporting outcome. The documented unauthorized card charge and the consistent pattern of failing to update reports after payment show what verbal commitments from this agency are worth.

If a QCI account is affecting your credit, the right strategy depends on the original provider, whether insurance was billed first, and how recently the account was referred to collections.