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How to Settle Debt With NPAS Solutions

George Simons | January 31, 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: Most medical debt collectors are willing to negotiate to settle the debt for less, especially if you can set up a lump-sum payment. Make a fair offer that’s a bit less than your maximum ability to pay, and be prepared to negotiate before reaching an agreement. Use Solo to streamline the settlement process.

Consumer debt is associated with overspending on credit cards or living above your means. But the Kaiser Family Foundation found that about 23 million Americans owe at least $250 in medical debt. If the name NPAS Solutions shows up on your credit report, it probably means that one of the healthcare centers NPAS Solutions works with believes you owe a medical bill.

In this article, we'll talk about your rights, what to do if you’re sued for medical debt, and how to settle debt with NPAS. But first, let's discuss who NPAS Solutions is and what they do.

Settle debt with NPAS Solutions

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

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Verify the accuracy of your bills

If you have medical bills to pay, you may find yourself between your medical providers and your insurance company in an uncertain and confusing situation. Understanding the costs of various procedures and what is and isn't covered by insurance can feel like full-time detective work. The problem becomes complex if you receive care from multiple providers.

If an NPAS debt collector contacts you, ensure they're not trying to collect incorrect bills.

  • Verify your medical bills are accurate (names, insurance, and address) and that you received the treatment listed.
  • Ask your provider for a plain language explanation for anything unclear on your medical bill.

Coding errors often appear on medical bills, leaving patients with more significant financial responsibilities than expected. But TransUnion, Equifax, and Experian offer one free credit report annually. You can access the reports at AnnualCreditReport.com. Monitor your credit report because mistakes can happen.

If you owe the debt, NPAS Solutions can collect the debt from your health insurance company. But before payments, explore your other options below.

What is NPAS Solutions?

The National Patient Account Services, Inc. (NPAS) is a third-party debt collection company based in Louisville, Kentucky. In addition to collecting debts, NPAS assists healthcare facilities in the management of patient bill portals and billing process services. NPAS Solutions has been in business for more than 45 years and maintains an A+ rating with the Better Business Bureau.

If you're trying to contact NPAS Solutions, use the following information:

  • Phone number: 866-258-1104
  • Address: 111 Corporate Office Drive Ste 200, Earth City, MO 63045
  • Mailing address: PO Box 505606, Saint Louis, MO 63150-5606

Who does NPAS Solutions collect for?

NPAS Solutions has been a leading provider of patient collection services for the healthcare industry since 1980 and is part of the National Patient Account Services, Inc. family. This means that NPAS Solutions collects for:

  • Hospitals
  • Medical providers
  • Healthcare professionals

Read NPAS Solutions reviews online

Learning about what other consumers have shared about their debt collection experience with NPAS Solutions is a smart decision, especially if you are contemplating reaching out to the debt collector to discuss the collection matter. Solo is here to help. Take a moment to check out these real online reviews:

  • National Patient Account Services, Inc. reviews on Yelp.
  • National Patient Account Services, Inc. reviews on Better Business Bureau.

Objectively speaking, the online reviews of NPAS Solutions are relatively mixed (i.e., some good, some not so good). Despite the mixed reviews, it is recommended to take proactive steps to engage with NPAS Solutions in an effort to resolve your debt collection matter. It is quite common for debt collectors, including those affiliated with NPAS Solutions, to be willing to resolve your debt issue in an amicable manner, such as through a negotiated debt settlement.

Of course, if the prospect of contacting a debt collector to negotiate sounds like nails on a chalkboard, then consider using SoloSettle to negotiate online and resolve your debt through our cutting-edge digital settlement platform.

Understanding your rights under the FDCPA

Third-party debt collectors are governed by the Fair Debt Collection Practices Act (FDCPA). The act forbids any debt collection tactic that is abusive or deceptive. The act specifies:

  • NPAS Solutions may not harass, threaten, or call you repeatedly.
  • NPAS Solutions must be honest about its identity and intentions. Collection agencies must inform you in writing that they are collecting a debt from you.
  • NPAS Solutions cannot threaten you with arrest and cannot threaten legal action if they do not intend to take it.
  • Calls from NPAS Solutions must be during business hours, not before 8:00 am, and after 9:00 pm in your time zone.

If you are a victim of any of these actions, you may be entitled to compensation. You can even file a lawsuit against NPAS and receive up to $1,000 per violation of the FDCPA.

Send a debt validation letter to NPAS

You must issue a Debt Validation Letter within 30 days of receiving the call from NPAS Solutions. The Debt Validation Letter asserts your rights under the Fair Debt Collection Practices Act. Besides, receiving a Debt Validation Letter will cause many debt collectors to quit.

The letter requires NPAS to:

  • Show proof of debt.
  • Stop contacting you for any other reason.
  • Report the debt as disputed.

Using a debt validation letter, you can avoid errors like receiving aspirin and discovering later that they charged for the entire bottle ($50) instead of one tablet (roughly $4).

Negotiate to settle your medical debt

If you have medical debt, you can settle it for less than you owe. Debt settlement requires effort and engagement with the debt collector.

It is recommended to start the debt settlement process as soon as possible before the debt goes into collection. Thanks to the three credit bureaus, you have more time before medical debt in collections appears on your credit reports. Six months is the current time frame but will extend to one year.

If you're negotiating or paying back a medical debt, this can give you more time to work with your provider or collector to find a mutually beneficial payment solution.

Below are some recommended steps you could use to try and settle your debt with NPAS Solutions:

  1. If NPAS Solutions escalates the situation and serves you with a Summons and Complaint for a debt collection lawsuit, then it is important to file a timely response so you avoid getting hit with a default judgment. Why? Because a default judgment would hinder your negotiating position during settlement talks with NPAS Solutions.
  2. After you’ve responded to the debt collection lawsuit, take the time to assess how much you can afford to pay toward the amount owed without negatively impacting your ability to pay other necessary living expenses. Consider using the following debt settlement formula: Amount available to settle = (monthly income – monthly costs) + savings)
  3. Once you’ve identified your settlement parameters, contact NPAS Solutions to convey your settlement offer. Generally speaking, your opening offer should be less than the maximum amount you can pay. Why? Because this will give you some wiggle room to negotiate upward in the event NPAS Solutions declines your initial offer.
  4. Be prepared to go through multiple rounds of negotiations.
  5. If you have success in reaching a debt settlement agreement, make sure to get the terms in writing.

To gain more insight about these tips and others that may help you on your debt settlement journey with NPAS Solutions, take a moment to watch the following interview with a consumer rights attorney who shares the best tips for negotiating debt settlement with collectors like NPAS Solutions:

Respond to a debt lawsuit against NPAS

If NPAS Solutions is suing you for a debt, you should have received some legal documents in the mail called the court Summons and Complaint. The Summons notifies you of the lawsuit, and the Complaint lists the specific claims that NPAS is making against you. The first step to winning your case is to respond to the Summons and Complaint by filing a written Answer. Here's how.

Follow these three steps to respond to a debt lawsuit against NPAS Solutions:

  1. Answer each claim listed in the Complaint document: The first and most important section of your Answer should focus on responding to the claims listed in the Complaint document. You can admit, deny, or deny due to lack of knowledge. Most attorneys recommend denying as many claims as possible.
  2. Assert your affirmative defenses: An affirmative defense is any legal reason that NPAS's case is invalid. A common affirmative defense to mention in a debt lawsuit case is the statute of limitations on debt. If the statute of limitations on a debt has passed, the NPAS cannot sue you for the debt. There are several other affirmative defenses you can bring up to strengthen your side of the case.
  3. File the Answer with the court, and send a copy to NPAS: After you've drafted your Answer, you should file it within the court's deadline. The deadline to respond to a debt lawsuit is anywhere from 14-35 days, depending on which state you live in. Make a copy of the Answer and send it, via USPS certified mail, to the attorneys representing NPAS.

Solo can help you draft and file an Answer in all 50 states.

To learn more about these three steps, check out this video:

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