If Receivables Outsourcing is showing up on your credit report, it likely means they’re trying to collect a past-due debt. A collection account can hurt your credit score, but there are steps you can take to deal with it.
Who Is Receivables Outsourcing, Inc.?
Receivables Outsourcing, Inc. (ROI) is a debt collection agency based in Timonium, Maryland. They help businesses—especially healthcare providers—recover unpaid debts. ROI was acquired by Cognizant, a global technology company.
If you see their name on your credit report, they believe you owe a debt, and they’ve taken over collection efforts.
What Types of Debts Does Receivables Outsourcing Collect?
Receivables Outsourcing primarily works with the healthcare industry, helping collect:
- Unpaid hospital bills
- Outstanding physician group balances
- Other medical service debts
They focus on recovering overdue accounts for healthcare providers.
Is Receivables Outsourcing a Legitimate Company?
Yes, Receivables Outsourcing is a real, authorized debt collection agency. But that doesn’t guarantee every account they pursue is correct. Always verify the details before agreeing to settle or make a payment.
Mistakes happen, and inaccurate collection accounts can damage your credit unnecessarily.
How to Remove Receivables Outsourcing from Your Credit Report
Collection accounts can stay on your credit report for up to seven years, but there are ways to remove them sooner:
- Dispute inaccurate information – If the debt is incorrect, incomplete, or outdated, file a dispute with the credit bureaus. They are required to investigate and correct or remove errors.
- Negotiate a pay-for-delete agreement – You can offer to settle the debt in exchange for the account being removed from your credit report. Get the agreement in writing before paying.
- Work with a credit repair company – Professionals can help challenge collection accounts and dispute errors on your behalf.
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 Receivables Outsourcing?
Before contacting them, make sure the debt is legitimate. Here’s why:
- Credit reports can contain mistakes.
- Some debts may be past the statute of limitations, meaning they can’t legally sue you.
- Making a payment can restart the clock on how long the debt affects your credit.
If you’re unsure what to do, credit repair companies deal with agencies like Receivables Outsourcing daily and can help you avoid costly mistakes.
Can Receivables Outsourcing Sue You or Garnish Your Wages?
Yes, Receivables Outsourcing can sue you to recover the debt. If they win, they could:
- Garnish your wages
- Freeze your bank accounts
- Place a lien on your property, depending on your state’s laws
Lawsuits are usually a last resort. Most collection agencies try to settle the debt through calls, letters, or payment plans before going to court.
Receivables Outsourcing Contact Information
Here’s how to reach them:
Office Address:
Receivables Outsourcing, Inc.
1920 Greenspring Dr, Suite 200
Timonium, MD 21093
Mailing Address:
Receivables Outsourcing, Inc.
PO Box 549
Timonium, MD 21094
Phone Numbers:
(800) 234-1357 or (410) 616-2500
Complaints Against Receivables Outsourcing
Like many debt collection agencies, Receivables Outsourcing has complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Incorrect reporting on credit reports
- Harassment or aggressive tactics
- Failure to verify debts
If your rights are being violated, you can file a complaint with the CFPB or BBB.
Know Your Rights When Dealing with Receivables Outsourcing
Debt collectors must follow state and federal laws under the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA). You have the right to:
- Dispute false or incomplete information on your credit report
- Request a debt validation letter to prove the debt is yours and the amount is correct
- Be free from harassment, threats, or abusive language
- Receive clear communication that they are a debt collection agency
- Avoid threats of arrest for unpaid debts
Knowing your rights gives you more control when dealing with collection agencies.
Ready to Remove Receivables Outsourcing from Your Credit Report?
A collection account can hurt your credit, but you don’t have to face it alone. Credit Saint has over 15 years of experience helping people dispute incorrect collection accounts. They even offer a 90-day money-back guarantee for extra peace of mind.
Ready to take action? 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.