Settle Debt With HRRG Collections

George Simons | January 21, 2025

Fact-checked by Patrick Austin, J.D.

Patrick Austin
Attorney from George Mason
Patrick Austin, JD

Patrick Austin is a licensed attorney with a background in data privacy and information security law. Patrick received his law degree at George Mason University's Antonin Scalia Law School, where he served as the Editor-in-Chief for the National Security Law Journal.

George Simons
Co-Founder of SoloSuit
George Simons, JD/MBA

George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: Facing medical debt? When HRRG contacts you, validate the debt, explore settlement options, and know your rights. Proactive steps can protect your credit and help you settle medical debt for less.

Whenever you are ill, you are more concerned about recovering than paying the bills. But eventually, you receive multiple calls from third-party debt collectors asking you to pay past-due medical bills.

Most consumers don't realize that almost every desk they pass through charges them differently. For instance, Emergency Room doctors will bill separately from anesthetists, and the pharmacy will require a different payment than a physician.

When all these charges find their way onto your credit report, it's easy to feel overwhelmed.

Therefore, when HRRG contacts you, there's no doubt that you want them off your back as soon as possible. This article will teach you everything you need to know about HRRG and how to settle your medical debt.

Settle debt with HRRG Collections

You can negotiate debt settlement at any stage of the collections process. SoloSettle makes it easy.

Settle with SoloSettle

What is HRRG?

HRRG, short for Healthcare Revenue Recovery Group, is a legitimate debt collection agency that has been in operation for decades.

If you search for HRRG's profile in Better Business Bureau (BBB), you'll find a profile for Account Resolution Servicer's (ARS), which is a division of HRRG. It's the same company under one of its many alternative names. Here are a few of the names ARS uses or has used in the past:

  • Emergency Physicians of South Broward, Palmetto, West Boca, Palms, Ft. Walton, and Northern VA Community Hospital
  • Emergency Professional Services, Inc.
  • Inphynet Hospital Services and Inphynet South Broward, Inc.
  • Plantation Billing Center; Health Care Financial Services, LLC (HCFS)
  • Healthcare Revenue Recovery Group, etc.

If you see a name on your credit report or receive a call from the above entities, it's HRRG.

Contact HRRG

If you’re ready to reach out and settle your medical debt with HRRG collection, here’s the HRRG phone number and other contact information:

Who does HRRG collect for?

HRRG specializes in the collection of delinquent accounts in the healthcare sector. This means they routinely pursue debts for hospitals, surgical facilities, and other health-related operations.

Read HRRG reviews online

If you are curious to learn what consumers have said about their experience with HRRG on a debt collection matter, then take a moment to read these reviews:

Despite HRRG’s online reviews being pretty mixed, this should not deter you from taking steps to engage with them in an effort to resolve the debt collection matter. Many debt collectors, including HRRG, are open to working with individuals to resolve their concerns and get their debt paid in a manner that works for them, based on their current financial situation. Proactive communication is the key.

If calling a debt collector to negotiate doesn’t sound like your idea of fun, try using SoloSettle to negotiate online and resolve your debt through the digital settlement platform.

How to negotiate with HRRG Collections to settle your debt for less

Do you want to pay off your debt, but you don't have the funds to pay off the full amount? If so, negotiating a debt settlement may be a good option for you.

Debt settlement typically involves paying off a portion of your total debt to clear your name of the debt and get your debt lawsuit dismissed. If you're experiencing unexpected financial hardship, most creditors and debt collectors are willing to work with you, whether that's settling for a smaller, lump-sum payment or working out a payment plan that works with your budget.

If debt settlement sounds like the right option, determine how much you can afford to pay and start communicating with HRRG. The more you offer in a settlement, the more likely the company will accept it.

Generally, offering at least 60% of the debt’s total value is a good starting point. However, if you have extenuating circumstances, the company may entertain a lower amount. Keep in mind that you may go back and forth with HRRG before you reach a deal.

Note: Even if you plan to settle your debt, it’s important to file an Answer in your case. This will block a default judgment and buy you time to negotiate debt settlement. Plus, many creditors and debt collectors are more likely to accept a settlement if they know you are willing and prepared to fight the case in court.

Not sure how to negotiate a debt settlement? Watch the following video to learn more about how to settle medical debt with HRRG:

SoloSettle, powered by Solo, is a tech-based approach to debt settlement. Our software helps you send and receive settlement offers until you reach an agreement with the collector. Once an agreement is reached, we’ll help you manage the settlement documentation and transfer your payment to the creditor or debt collector, helping you keep your financial information private and secure.

Settle with SoloSettle

Make an Offer

How to engage with HRRG

You can beat HRRG if you are well prepared. Try one of these ideas:

Take advantage of the medical debt grace period

Medical debt differs from other debts. Before healthcare institutions sell your debt to third-party debt collectors, it takes time: about 90-120 days after you fall behind. Even after debt collectors register the account with the Credit Reporting Agencies (CRAs), you have a grace period of 180 days before the bureaus put it on your report. Once there, medical debt still carries less weight than other debts, like credit card and personal loan debts.

To prevent HRRG from ruining your credit, use the window to get your account in order. If you are insured, contact your insurance company as soon as possible to pay the bills before they go to collections.

If you are paying from your pocket, it's more critical to pay medical bills fast. Remember that you may pay much more than you owe if the accounts go to collections.

Request financial hardship relief

Sometimes you can't pay your hospital bills. If you lost your job or can't work, take a chance on the physician. Your ER doctor may waive his fees. You will need to muster the courage to explain your situation, but a medical bill waiver is worth every effort. After you receive written communication of the debt cancellation, you can send copies to HRRG to get them off your back.

Request debt validation

Ideally, debt collectors must verify each debt in writing within five days of contacting you about the debt. This verification differs from debt validation. You request the validation by sending a Debt Validation Letter.

Send the Debt Validation Letter to HRRG using certified mail that requires a signature on receipt. Evidence of receipt enables you to track the validation process. When they receive the letter, HRRG must report the debt as disputed. They must also investigate and prove that the debt is yours and is accurate.

Frequently asked questions

You may still have questions about HRRG. We hope these answers help.

Will HRRG sue me?

HRRG cannot sue you for unvalidated debt. They are also not likely to go the lawsuit way if they believe you cannot pay. However, they may sue you when the debt is validated, and HRRG feels you are refusing to pay. If you ever receive a summons from the court, Answer in good time using SoloSuit.

Does HRRG accept pay-for-delete?

They may if you negotiate an arrangement to pay. Keep in mind that paid accounts remain on your report until they fall off naturally.

How can I remove HRRG from my credit report?

Tell the three significant bureaus if HRRG is on your report by mistake. They will investigate and remove the entry if they can't prove the debt is yours. Inaccurate entries, like wrong amounts, can also be removed from your report. Dispute the errors with the reporting bureau that has the error.

What if HRRG violates my rights?

You have many options—report HRRG to the Federal Trade Commission (FTC), the Consumer Financial Protection Bureau (CFPB), or the BBB. If you want compensation for damages, you can sue HRRG. Most consumer attorneys will represent you for free and are paid by HRRG if you win the lawsuit.

The laws governing the debt collection industry have only gotten better. Take advantage of these and other available resources to protect yourself.

How to Answer a Summons for debt collection in all 50 states

Here's a list of guides on how to respond to a debt collection lawsuit in each state:

The Ultimate 50 State Guide

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If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.

Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.

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Bankruptcy is a great way to legally resolve debt, but it's usually best to consider it as a last resort. Here are some bankruptcy guides to help you decide which debt resolution option is best for you.

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Don’t have time to go to your local courthouse to check the status of your case? We’ve created state guides on how to check the status of your case throughout the US, complete with online search tools and court directories.

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Debt collection documents and templates

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State debt collection laws

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Statute of limitations on debt

Like all debt collection laws, the statute of limitations on debt varies by state. So, we wrote guides on each state’s statutes and more.

Stop collection calls

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Wage garnishment

Forgot to respond to your debt lawsuit? The judge may have ordered a default judgment against you, and with a default judgment, debt collectors can garnish your wages. Here are our guides on how to stop wage garnishment in your state, plus other wage garnishment resources.

The Debt Hotline

Hosted by Team Solo, The Debt Hotline breaks down debt and personal finance topics with help from attorneys, financial experts, and industry pros. We respond to real questions to help you navigate debt with knowledge and courage.

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