How to Settle Debt With NPAS Solutions (2024 Guide)
NPAS Solutions collects medical debt for hospitals and healthcare providers. You can verify bills for errors, request debt validation, and negotiate settlements for less than you owe. If NPAS sues you, filing a timely Answer prevents default judgment and opens settlement opportunities.
Respond to NPAS LawsuitAbout 23 million Americans owe at least $250 in medical debt. If NPAS Solutions appears on your credit report, a healthcare center likely believes you owe money. NPAS Solutions is a third-party debt collection company specializing in medical debt.
You have rights when dealing with debt collectors. You can negotiate, settle, and even respond to lawsuits effectively. Below, you’ll learn exactly how to handle NPAS Solutions and protect your finances.
Respond to Your NPAS Lawsuit in 15 Minutes
NPAS Solutions sued you for medical debt? Don't let the deadline pass. Generate a legally compliant Answer and file in all 50 states with our partner's proven platform.
Answer the LawsuitVerify Your Medical Bills Are Accurate
Medical billing is confusing by design. Errors happen frequently between providers and insurance companies. Before paying anything, confirm the bills are correct.
Take these steps to verify your debt:
- Check that names, insurance details, and addresses are accurate
- Confirm you actually received the treatment listed on the bill
- Request a plain language explanation for anything unclear
- Look for coding errors that increase your financial responsibility
You can access free credit reports from TransUnion, Equifax, and Experian annually at AnnualCreditReport.com. Monitor your reports regularly because mistakes appear more often than you’d think.
If you genuinely owe the debt, you still have options before making payments.
What Is NPAS Solutions?
National Patient Account Services, Inc. operates from Louisville, Kentucky. The company has collected medical debts for over 45 years. NPAS maintains an A+ rating with the Better Business Bureau.
NPAS Solutions also manages patient billing portals and processing services for healthcare facilities.
Contact Information for NPAS Solutions
- Phone number: 866-258-1104
- Office 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 specializes exclusively in healthcare industry collections. The company collects debts for:
- Hospitals and hospital systems
- Medical providers and clinics
- Healthcare professionals and specialists
If you received medical treatment and have unpaid bills, NPAS may contact you on behalf of these facilities.
Check NPAS Solutions Reviews Before Engaging
Reading other consumers’ experiences helps you prepare for interactions. Reviews of NPAS Solutions are mixed across platforms. Some customers report professional service, while others describe frustration.
Check these review sources:
- Yelp reviews for National Patient Account Services
- Better Business Bureau complaint history and ratings
Despite mixed reviews, you should engage proactively with NPAS. Most debt collectors, including NPAS, will negotiate reasonable settlement terms. Taking action beats ignoring the situation.
If negotiating directly sounds overwhelming, our partner Solo provides digital settlement services that handle negotiations for you.
Your Rights Under the Fair Debt Collection Practices Act
The FDCPA protects you from abusive collection tactics. Third-party collectors like NPAS must follow strict rules.
NPAS Solutions cannot:
- Harass, threaten, or call you repeatedly throughout the day
- Lie about their identity or intentions when contacting you
- Threaten arrest or legal action they don’t intend to take
- Call before 8:00 am or after 9:00 pm in your time zone
NPAS must identify themselves as debt collectors. They must inform you in writing about the debt they’re collecting.
If NPAS violates these rules, you can sue them. You may receive up to $1,000 per FDCPA violation plus attorney fees.
Send a Debt Validation Letter to NPAS
You have 30 days after first contact to send a debt validation letter. The letter exercises your rights under the FDCPA and forces NPAS to prove the debt.
A debt validation letter requires NPAS to:
- Provide proof that you owe the debt
- Stop contacting you except to provide validation
- Report the debt as disputed to credit bureaus
Many debt collectors drop cases after receiving validation requests. Medical bills especially contain frequent errors. Requesting validation catches mistakes before you pay incorrectly.
Medical billing errors include charging for entire medication bottles instead of single doses. A $4 aspirin tablet becomes a $50 bottle charge through simple coding mistakes.
Negotiate to Settle Your Medical Debt
You can settle medical debt for less than you owe. Settlement requires effort and direct engagement with the collector.
Start the settlement process immediately before debt goes to collections. Credit bureaus now wait one year before reporting medical collections. You have more time to negotiate favorable terms.
Steps to Settle Debt With NPAS Solutions
Follow this proven settlement process:
- If NPAS sues you, file a timely response to avoid default judgment. Default judgments destroy your negotiating position.
- Calculate what you can afford using this formula: Amount available = (monthly income – monthly costs) + savings
- Make your opening offer below your maximum affordable amount. Lower initial offers give you negotiating room.
- Prepare for multiple negotiation rounds. NPAS will likely counter your first offer.
- Get all settlement terms in writing before making any payment.
Never pay anything until you receive written confirmation of the settlement terms. Verbal agreements mean nothing if disputes arise later.
Our partner Solo specializes in medical debt settlement negotiations. Their platform handles the back-and-forth communication digitally.
Respond to an NPAS Lawsuit
If NPAS sues you, you’ll receive a Summons and Complaint. The Summons notifies you of the lawsuit. The Complaint lists specific claims against you.
You must file a written Answer to defend yourself. Here’s how to respond effectively.
Three Steps to Respond to NPAS Debt Lawsuits
- Answer each claim in the Complaint: Admit, deny, or deny due to lack of knowledge. Most attorneys recommend denying as many claims as possible.
- Assert your affirmative defenses: Include legal reasons the case is invalid. Common defenses include statute of limitations expiration, incorrect debt amount, or lack of proof.
- File your Answer and send NPAS a copy: File within your state’s deadline (typically 14-35 days). Send a copy to NPAS’s attorneys via certified mail.
The statute of limitations on debt varies by state. If the time limit has passed, NPAS cannot legally sue you for the debt. Include this defense in your Answer if applicable.
Our partner Solo helps you draft and file Answers in all 50 states. Their platform generates legally compliant responses based on your specific situation.
What Happens After You File Your Answer
Filing an Answer prevents default judgment. NPAS must now prove their case in court. Many collectors settle after seeing a defendant file a proper response.
Your Answer shows you’re taking the lawsuit seriously. NPAS knows proceeding to trial costs them money and time. Settlement negotiations often begin shortly after you file.
Never ignore a lawsuit. Ignoring guarantees you’ll lose by default judgment.