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Is Balanced Healthcare Receivables legit? How to respond

Sarah Edwards | August 19, 2024

Sarah Edwards
Legal Expert
Sarah Edwards, BS

Sarah Edwards is a professional researcher and writer specializing in legal content. An Emerson College alumna, she holds a Bachelor of Science in Communication from the prestigious Boston institution.

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: Getting a call from Balanced Healthcare Receivables (or any debt collector) can be a major stress. Fortunately, handling your debt is easier than you might think. Let SoloSuit take you through the steps.

Knowing you owe a company money is stressful. But having debt in collections is even worse. Even having a small debt go to collections can cause serious credit damage — and that damage can linger for years after the debt has been repaid.

This means that if you’ve gotten a call or letter from Balanced Healthcare Receivables, you should act fast. You might be wondering: does Balanced Healthcare Receivables report to credit bureaus? The answer is yes — but they don’t always report right away. You might still have a chance to save your credit.

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

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What is Balanced Healthcare Receivables, LLC?

Balanced Healthcare Receivables, LLC is a collection agency located at 164 Burke St, STE 201, Nashua, New Hampshire 03060-4783. If you need to get in touch with the company for any reason, the Balanced Healthcare Receivables phone number is (866) 914-1659. However, it’s important to note that the company may call you from different phone numbers.

As the name suggests, Balanced Healthcare Receivables specializes in collecting past-due healthcare balances. It was founded in 2007, although it wasn’t Better Business Bureau (BBB) accredited until 2015.

If you want to know how reputable a given debt collection agency is, it’s a good idea to check out the BBB website. As of April 10, 2024, Balanced Healthcare Receivables has a BBB rating of A+. Its average customer rating is one star out of five, although that’s based on a handful of reviews. Several consumers have filed complaints against Balanced Healthcare Receivables on its BBB profile.

Many of these complaints say the customer received a letter from Balanced Healthcare Receivables without first receiving a bill from the hospital or other healthcare provider. Other complaints are from people who have received bills after reportedly paying the balance they owed in full.

The Consumer Financial Protection Bureau (CFP) complaint database reports several other complaints that are similar to the BBB complaints:

  • Several customers report being billed by Balanced Healthcare Receivables even after the original healthcare providers verified their accounts as being paid in full.
  • Some said that the company called them before 8 a.m. or after 9 p.m.
  • Some said that the company threatened to put them in jail if they didn’t pay.
  • Some said that company representatives hung up on them when they requested notification of the debt by mail.
  • Some reported receiving repeated calls looking for the same person, even after Balanced Healthcare Receivables said they were on the no-call list.

All in all, it’s not the worst debt collector we’ve seen. On both CFPB and BBB complaints, Balanced Healthcare Receivables almost always followed up quickly to resolve consumer concerns.

Is there a Balanced Healthcare Receivables scam?

No, Balanced Healthcare Receivables is not a scam company. Some debt collectors may use tactics that seem scammy, but this one is legitimate. While it’s always smart to ask for debt validation before you pay, you shouldn’t ignore communications from Balanced Healthcare Receivables.

How to respond if Balanced Healthcare Receivables, LLC, says you owe money

Like most debt collectors, Balanced Healthcare Receivables might hope that the second you get a call or receive a letter, you’ll pay up. However, the Fair Debt Collection Practices Act (FDCPA) requires debt collectors to validate your debt upon request.

To request that validation, you must send what’s called a Debt Validation Letter. In that letter, you must ask the creditor to send the following information:

  • The name of the original creditor.
  • How much money you owe.
  • The last payment on the account.
  • Proof that the debt collector is authorized to collect the debt.
  • Proof of your contract with the initial creditor.

Check out SoloSuit’s helpful Debt Validation Letter template.

Sometimes, a debt collector may not have enough information to validate the debt. They also may simply see validating a debt (especially a small debt) as not worth their time. In this case, you won’t hear from the collector again.

However, if the collector validates the debt and you can’t pay immediately, your best course of action is to reach out and make an arrangement. It’s much less stressful than navigating a debt collection lawsuit. Here’s an example.

Example: Tim gets a letter from Balanced Healthcare Receivables saying he owes $1200. He uses SoloSuit to send a Debt Validation Letter, and much to his disappointment, Balanced Healthcare Receivables validates the debt. Tim doesn’t have a spare $1200, but he doesn’t want to deal with a collection lawsuit. He reaches out to Balanced Healthcare Receivables to see if they would be okay with him paying $100 per month for 12 months, and they agree. Tim can finally relax — he’ll be free from debt in a year!


If you’re getting ready to send a Debt Validation Letter, check out this helpful video Q&A!

What should you do if Balanced Healthcare Receivables sues you for a debt?

If a debt collector gets no answer from you (and you do owe the debt they claim you do), they’ll usually go to the next step — filing a lawsuit against you. A lawsuit raises the stakes, but there’s still a possibility you won’t have to pay as much as you owe. If you’ve received a notice that you’re being sued, your first step should be to send a formal Answer letter.

Sending an Answer is the first step to resolving a debt collection lawsuit — do it with SoloSuit!

Negotiate with Balanced Healthcare Receivables to settle debt

Debt is like a cloud hovering permanently over your head. And when you’re repeatedly contacted by collectors like Balanced Healthcare Receivables, it’s impossible to forget. At SoloSuit, our mission is to help you face debt head-on so you can discover a new kind of freedom. One way to do this is through debt settlement.

Debt settlement means you offer to pay a percentage of the debt to settle the account. Common reasons for debt settlement include:

  • You cannot afford to pay the full amount. This might be due to financial hardship, such as job loss, medical expenses, or other unexpected financial burdens.
  • You want to avoid bankruptcy. Settling a debt can be an alternative to filing for bankruptcy, which has long-term consequences for your credit score and financial future.
  • You want to reduce stress. The constant pressure from debt collectors can be overwhelming. Settling a debt allows you to regain peace of mind by resolving the issue.
  • You wish to save money. You might settle for less than the full amount owed, which could save you money compared to paying the full balance.
  • You are trying to improve your credit. While settling a debt can initially lower a credit score, it is often better than having an unpaid debt, which can have a more prolonged negative impact.
  • The debt collector prefers debt settlement. Debt collectors may prefer a settlement over continued collection efforts, especially if they believe that full payment is unlikely.
  • The statute of limitations is about to expire. As a debt approaches the statute of limitations, creditors might be more willing to settle rather than risk the debtor no longer being legally obligated to pay.

As you can see, debt settlement can be a practical solution for both debtors and collectors under certain circumstances. SoloSettle helps you streamline the debt settlement process and move negotiations to a digital platform so you don’t have to deal with debt collectors over the phone or in person at court.

We asked an attorney for some tips on how to negotiate with debt collectors like Balanced Healthcare Receivable to settle debt. Watch the video below to learn more:

Settle with SoloSettle

Make an Offer

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