Capio Partners Calling? How to Settle Medical Debt

Unexpected health care expenses can destroy even the best financial plan. Medical debt collectors like Capio Partners often add stress to an already difficult situation.

If Capio Partners has contacted you about medical debt, you need to know your rights. You can defend yourself and resolve the debt for good.

Don't Let Capio Partners Win by Default

You have 14-35 days to respond to a Capio Partners lawsuit. Missing the deadline gives them the right to garnish your wages. Respond now and protect your income.

Respond to Lawsuit

Who Is Capio Partners?

Capio Partners is a medical debt collection agency based in Sherman, TX. They buy uncollected medical debts from healthcare providers for pennies on the dollar. Then they attempt to collect the full amounts from you.

Capio Partners ranks as the third-largest healthcare debt collector in the United States. They contact thousands of consumers every year about medical bills. Capio is not a scam. They are an authorized debt collection agency.

But authorized doesn’t mean they always play fair. Capio Partners has received numerous consumer complaints alleging Fair Debt Collection Practices Act (FDCPA) violations. Common complaints include rude behavior, false information, and failure to provide written debt verification.

You have rights when dealing with Capio Partners. You can assert those rights and win against them.

Capio Partners Reviews Show Serious Problems

Capio Partners has a terrible reputation with consumers. Their Better Business Bureau profile shows a score of 1 out of 5 stars. The BBB has received almost 500 complaints about Capio in the past three years.

The Consumer Financial Protection Bureau database shows nearly 1,000 complaints against Capio Partners. Google reviews give them an average rating of just 1.6 out of 5 stars.

Many negative reviews share common themes:

Rude and unprofessional employees
False or misleading information
Inability to validate debts properly
Bullying and harassing behavior
Pursuing previously settled or satisfied debts

Most of these complaints could be considered FDCPA violations. You should learn about your rights to protect yourself from unfair practices.

What to Do When Capio Partners Contacts You

When any debt collector contacts you, always request written communication. Send a Debt Validation Letter requiring Capio Partners to validate the alleged debt within 30 days.

Keep careful records of all contact and attempted contact by Capio Partners. The Fair Debt Collection Practices Act (FDCPA) protects you from over-aggressive debt collectors. The law sets clear guidelines that every collector must follow.

If Capio Partners violates the FDCPA, they can face fines. They might even lose the right to collect the debt entirely. Our partner Solo can help you respond to Capio Partners and protect your rights.

Common FDCPA Violations by Debt Collectors

Watch out for these illegal practices:

Contacting you about debts that aren’t yours
Failing to prove the debt belongs to you
Using automated robocalls to collect debt
Calling you at work or contacting friends, family, and coworkers
Calling before 8 a.m. or after 9 p.m. in your time zone
Calling multiple times per week
Using inappropriate language or intimidation tactics
Threatening criminal charges, lawsuits, or other illegal actions

If Capio Partners violates your rights, submit complaints to the Consumer Financial Protection Bureau and Better Business Bureau. You might consider filing a counterclaim. You could be eligible for $1,000 in compensation per FDCPA violation.

How Medical Bills Impact Your Credit Score

Medical bills are a unique type of debt. They can negatively impact your credit score, but they’re weighted differently than other debts.

The FICO Score 9 is the latest version used by most lenders. FICO Score 9 gives medical debt less weight than other debt types. VantageScore, another popular scoring model, does the same.

Few health care providers report directly to credit bureaus. Your debt doesn’t appear on your credit report until it’s turned over to collections. Providers typically wait 90-120 days before selling debt to agencies like Capio Partners.

Once your medical bill goes to collections, it still doesn’t appear immediately. Equifax, TransUnion, and Experian provide a 180-day grace period. The grace period exists because insurance companies often take months to approve or deny payments.

Recent Changes to Medical Debt Reporting

Congress and federal agencies recently enacted measures to address the medical debt crisis. The No Surprises Act and other directives have significantly reduced medical debt on credit reports.

In 2023, Equifax, Experian, and TransUnion cleared all paid medical debts from credit reports. They also removed all medical debts under $500.

If you discover any of these debts on your report, challenge them with the credit reporting agency immediately.

How to Prevent Medical Bills from Ruining Your Credit

You can have quality insurance and still face financial disaster. One accident or unexpected illness can create massive bills.

Insurance companies often refuse to pay for necessary treatments. Healthcare providers may start treatments without insurance approval. Either way, you can be stuck with bills you can’t pay.

But you have options when dealing with medical debt. Remember that Capio Partners bought your debt for pennies on the dollar. You can often negotiate payment for far less than the original amount.

Many debt purchasers like Capio Partners will settle for a percentage of the original debt. They still make a profit even at reduced amounts.

Example: Settling with Capio Partners

Gary owed $5,000 in medical debt that Capio Partners purchased. He offered them a lump-sum payment of $3,000. Capio accepted the offer. Gary’s debt was reduced by 40%.

Our partner Solo can help you negotiate a settlement that works for your situation.

Expert Tips for Negotiating Debt with Capio Partners

Ready to negotiate your debt? Here are expert tips from consumer rights attorneys:

Don’t threaten bankruptcy unless you actually mean it
Give them reasons to accept your offer, such as financial hardship
Tell them about any other debts you have
Be prepared for a counteroffer
Make a fair and reasonable offer
Negotiate with the opposing attorney

Never start negotiations until you have written debt validation from Capio Partners. Make sure the date of service, type of service, original creditor, and amounts match your records.

If there’s any mistake in the debt verification, file a dispute with credit reporting bureaus. You can find dispute forms on the Transunion, Equifax, and Experian websites.

How to Contact Capio Partners

You may need to contact Capio Partners to request debt validation. Their physical address is 1745 N Brown Road, Suite #405, Lawrenceville, GA 30043. Their phone number is (678) 682-3680.

Capio Partners has locations in Sherman, Texas, Lake Oswego, Oregon, and Lawrence, Georgia.

How to Respond to a Capio Partners Lawsuit

If Capio Partners is taking you to court, you must respond quickly. You should have received a Summons and Complaint. The Summons notifies you of the lawsuit and court dates. The Complaint lists the specific claims against you.

You have 14-35 days to respond, depending on your state. If you fail to respond, the court will likely issue a default judgment. Default judgment gives Capio the right to garnish your wages and place liens on your property.

Responding is critical to protecting yourself. Our partner Solo can help you respond to the lawsuit and defend yourself in court.

Three Steps to Respond to a Capio Partners Lawsuit

Respond to each claim listed in the Complaint
Assert your affirmative defenses
File the Answer with the court and send a copy to Capio Partners

You can respond to Capio Partners lawsuits in all 50 states. Don’t let them intimidate you into ignoring the lawsuit.

Know Your Rights and Stand Up to Capio Partners

Unexpected medical expenses are stressful enough without dealing with aggressive collectors. You shouldn’t have to face shady collection practices from companies like Capio Partners.

Know your rights under the FDCPA. Hold Capio Partners to the legal standards they must follow. You have the power to defend yourself, negotiate settlements, and win in court.

Take action today to resolve your medical debt with Capio Partners for good.

Frequently Asked Questions

What is Capio Partners and why are they calling me?

Capio Partners is a medical debt collection agency based in Texas. They buy unpaid medical debts from healthcare providers for pennies on the dollar and then attempt to collect the full amount from you. They're calling because they purchased your medical debt.

How do I get Capio Partners to stop calling me?

Send Capio Partners a written request to only contact you in writing. You can also send a Debt Validation Letter requiring them to prove you owe the debt within 30 days. Keep records of all contact, as calling multiple times per week or outside 8 a.m. to 9 p.m. violates the FDCPA.

Can I settle my debt with Capio Partners for less than I owe?

Yes. Capio Partners buys medical debt for pennies on the dollar, so they often accept settlement offers for 40-60% of the original amount. Always get settlement agreements in writing before paying, and never negotiate until they provide written validation of the debt.

What happens if I ignore a lawsuit from Capio Partners?

If you ignore a Capio Partners lawsuit, the court will likely issue a default judgment against you. This gives Capio the legal right to garnish your wages and place liens on your property. You must respond within 14-35 days depending on your state.

How does medical debt from Capio Partners affect my credit score?

Medical debt has less impact on credit scores than other debt types under FICO Score 9. Medical debt doesn't appear on credit reports until 180 days after going to collections. As of 2023, paid medical debts and debts under $500 must be removed from credit reports entirely.

Why Is Capio Partners Calling Me? How to Settle Medical Debt