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How to Respond to H&R Accounts Debt Collectors

Sarah Edwards | November 21, 2023

Sarah Edwards
Legal Expert
Sarah Edwards, BS

Sarah Harris 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: H&R Accounts (also known as Avadyne Health) is a debt collector that focuses on unpaid medical debt. If you’ve been contacted by H&R Accounts, you’ll need a strategy that lets you respond to a lawsuit and negotiate a lower settlement. SoloSuit can help you file an Answer with the court, and SoloSettle will empower you to negotiate a settlement.

If you had healthcare costs not covered by insurance, you could find yourself facing medical debt collectors like H&R Accounts Inc. You may have already been contacted by the company under the name Avadyne Health (which is the name used on the company website). But regardless of the name, your primary goal should be to respond quickly to the threat of a lawsuit and resolve your debt for a lower amount.

Sued for medical debt? Resolve it through debt settlement.

What is H&R Accounts, Inc.?

H&R Accounts, Inc. — also operating as Avadyne Health — is a debt collector that focuses on the healthcare industry. If you’ve been contacted by H&R Accounts Inc., it’s because a healthcare provider has sold your unpaid debt to this company, and now H&R Accounts is attempting to reclaim it.

Is H&R Accounts a Scam?

H&R Accounts is a legitimate business and is accredited by the Better Business Bureau (BBB) with an A+ rating. Nevertheless, as of 2023, the BBB website has listed dozens of complaints against H&R Accounts, and the Consumer Financial Protection Bureau (CFPB) has listed more than 150 complaints for Avadyne Health on its online database.

Many customer complaints dispute the legitimacy of the debt. Others allege that the debt collectors violated the consumer’s rights through harassing phone calls and abusive language. These complaints highlight the need for consumers to assert their rights and verify their debt when dealing with collectors.

Check out some real H&R Accounts reviews below:

Where to contact H&R Accounts

H&R Accounts operates out of offices located in Illinois, Iowa, and Montana. Should you wish to contact the company, here’s H&R Accounts contact information:

Address: 5320 22nd Ave, Moline, IL 61265
H& R Accounts phone: 309-736-2255
Avadyne Health phone: 800-973-9890 extension 1011
Avadyne Health Contact Form

When you're ready to settle your debt, use SoloSettle to start the process.

How to respond to aggressive H&R Accounts debt collectors

Given the customer complaints listed with the BBB and CFPB, it’s important to understand your rights when dealing with debt collectors. According to the federal Fair Debt Collection Practices Act (FDCPA), debt collectors are prohibited from such activities as:

  • Contacting you more than once each day.
  • Failing or refusing to identify themselves as debt collectors.
  • Calling you outside the hours of 8 a.m. to 9 p.m.
  • Speaking to your friends, coworkers, or family members about your debt.
  • Contacting you even after receiving a Cease and Desist Letter.
  • Using offensive or vulgar language.
  • Threatening to have you arrested over unpaid debt.
  • Refusing to validate your debt.

If the company violates these standards, report the incident to the Federal Trade Commission (FTC) using the FTC website or by calling 877-382-4357. You can also report them through the CFPB’s website or by calling 855-411-2372.

Respond quickly to a debt lawsuit

What if you’ve been sued by H&R Accounts? Respond quickly, as many jurisdictions only allow you two weeks to file an Answer before they render a default judgment. Should this happen, H&R Accounts may be awarded the full amount — eliminating any possibility of a lower settlement. The judge may also award legal or debt collection fees.

What is an Answer? An Answer is a legal response indicating your willingness to fight the lawsuit. SoloSuit makes it easy to prepare an Answer, and we can even file it with the appropriate court.

Start drafting your Answer today to avoid a default judgment.

How do I know the debt from H&R Accounts is legitimate?

Medical debt is admittedly tricky to navigate, as it’s not always clear where your insurance provider’s responsibility stops and yours begins. Before you make any payments, ask H&R Accounts to send you a Debt Validation Letter. This letter should clearly connect you to the debt by:

  • Identifying the original debtor.
  • Recording the amount of the original debt.
  • Documenting your payment history (if any).
  • Calculating the debt still remaining.
  • Revealing your responsibility for the debt.

It’s not unusual for debt collectors to request a “good faith payment.” Don’t give in, but do request that the debt collector validate the debt before moving forward.

Learn more about how to validate your debt in this helpful video:

Settle your debt with H&R Accounts for less

At this point, you have two options. If H&R Accounts is unable to validate your debt, you may stand a good chance of winning the lawsuit. But if the debt is yours, you might be able to settle it for less than what you originally owed. Many debt collection agencies are willing to accept a lower payment rather than waste time in the legal process.

SoloSettle can assist in the negotiation process. Simply use the platform to negotiate a settlement amount. Start negotiating by offering to pay 60% of the original amount. H&R Accounts can present a counteroffer, and you can go back and forth until you reach a mutual solution.

The best part? When using SoloSettle, you’ll never have to deal directly with a debt collector. After you come to an agreement with H&R Accounts, online payments can be arranged through SoloSuit.

Let’s look at an example.

Example: Amanda did not realize that her insurance provider hadn’t paid the entirety of her recent medical bill. That’s why she was startled when she received notice of a pending debt collection lawsuit. Rather than panic, Amanda acted quickly. After using SoloSuit to file an Answer, she demanded that H&R Accounts verify her debt. Sure enough, the debt was hers. So Amanda used SoloSettle to offer to pay 60% of her debt. H&R Accounts didn’t accept the offer; however, after a brief exchange, the two parties agreed to a settlement equal to 67% of the original debt.


Move on today

Medical debt can be particularly difficult because healthcare costs get so high. But if you act quickly, you can get out from under your debt by using SoloSettle to negotiate a lower amount.

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