How to Respond to H&R Accounts Debt Collectors

You received a call from H&R Accounts about unpaid medical bills. Now you need to act fast.

H&R Accounts, also known as Avadyne Health, specializes in collecting medical debt. Healthcare providers sell your unpaid balance to them. The company then contacts you to collect.

You have options to fight back and reduce what you owe. Our partner Solo helps you respond to lawsuits and negotiate lower settlements.

Understanding H&R Accounts, Inc.

H&R Accounts operates under two names: H&R Accounts, Inc. and Avadyne Health. The company focuses exclusively on healthcare debt collection.

When hospitals or doctors can’t collect payment, they sell your debt. H&R Accounts buys these accounts at a discount. They then try to collect the full amount from you.

Is H&R Accounts Legitimate or a Scam?

H&R Accounts is a real company with BBB accreditation. They hold an A+ rating from the Better Business Bureau.

But that doesn’t mean they always play fair. The BBB lists dozens of complaints against them. The Consumer Financial Protection Bureau shows over 150 complaints about Avadyne Health.

Common complaints include:

• Disputing debt legitimacy and ownership claims
• Harassment through excessive phone calls
• Abusive language from collectors
• Failure to validate debts properly
• Calling outside permitted hours

H&R Accounts Contact Information

H&R Accounts maintains offices in Illinois, Iowa, and Montana. Here’s how to reach them:

Mailing Address: 5320 22nd Ave, Moline, IL 61265

H&R Accounts Phone: 309-736-2255

Avadyne Health Phone: 800-973-9890 extension 1011

Your Rights When Dealing With H&R Accounts

The Fair Debt Collection Practices Act protects you from abusive collectors. Federal law prohibits debt collectors from specific actions.

What Debt Collectors Cannot Do

• Contact you more than once per day
• Hide their identity as debt collectors
• Call before 8 a.m. or after 9 p.m.
• Discuss your debt with family, friends, or coworkers
• Continue contact after receiving a cease and desist letter
• Use profanity or offensive language
• Threaten arrest for unpaid debt
• Refuse to validate your debt when requested

How to Report FDCPA Violations

Document any violations you experience. Keep records of calls, messages, and conversations.

Report violations to the Federal Trade Commission at 877-382-4357. You can also file complaints with the CFPB at 855-411-2372.

Both agencies investigate collector misconduct. Your report protects other consumers too.

Responding to an H&R Accounts Lawsuit

H&R Accounts filed a lawsuit against you. You have limited time to respond.

Most courts give you only 14 to 21 days to file an Answer. Miss that deadline and you lose automatically.

What Happens If You Ignore the Lawsuit

Ignoring a debt lawsuit leads to a default judgment. The court rules in H&R Accounts’ favor without hearing your side.

Default judgments allow collectors to:

• Garnish your wages directly from your paycheck
• Freeze and seize funds from your bank accounts
• Place liens on your property
• Add collection fees and legal costs to your balance

Filing Your Answer to the Lawsuit

An Answer is your formal legal response to the lawsuit. You must file it with the court before the deadline.

Your Answer tells the court you’re contesting the claim. Our partner Solo helps you draft and file your Answer correctly.

The Answer protects your right to negotiate. Filing stops H&R Accounts from winning by default.

Validating Your Debt With H&R Accounts

Never pay a debt collector without verification. You have the legal right to demand proof.

What Is a Debt Validation Letter?

A validation letter proves the debt belongs to you. Request this letter in writing within 30 days of first contact.

The validation letter must include:

• Original creditor’s name and contact information
• Original debt amount when first incurred
• Complete payment history on the account
• Current balance owed after fees and interest
• Documentation linking you to the debt

Medical Debt Verification Challenges

Medical debt creates unique confusion. Insurance coverage isn’t always clear upfront.

You might not know what your insurance paid. Billing errors happen frequently in healthcare.

H&R Accounts may request a “good faith payment” before validating. Refuse this tactic. Demand validation first, always.

If they can’t validate, the debt may not be yours. You might have grounds to dispute it entirely.

Negotiating a Settlement With H&R Accounts

Debt collectors often accept less than the full amount. They bought your debt at a steep discount.

Settling for 50-70% of the balance still profits them. You save thousands of dollars.

How Settlement Negotiation Works

Start by offering 50-60% of the total debt. H&R Accounts will likely counter with a higher amount.

Go back and forth until you reach an agreement. Get everything in writing before paying.

Our partner Solo handles the entire negotiation process for you. You never speak directly with collectors.

Settlement Success Story

Amanda received a lawsuit notice from H&R Accounts. Her insurance hadn’t covered her entire medical bill.

She filed an Answer immediately to stop a default judgment. Then she requested debt validation.

After confirming the debt was hers, Amanda offered to pay 60%. H&R Accounts countered at 75%. They settled at 67% of the original balance.

Amanda saved 33% and avoided wage garnishment. The entire process took three weeks.

Payment Options After Settling

You reached a settlement agreement. Now you need to pay strategically.

Get the Agreement in Writing

Never pay without a written settlement agreement. The document must state the settlement amount and terms.

The agreement should confirm that payment satisfies the debt in full. Keep copies of everything forever.

Making Your Settlement Payment

Pay only after receiving the written agreement. Use a method that creates a clear record.

Avoid giving H&R Accounts access to your checking account. Use a cashier’s check or money order instead.

Keep proof of payment and the settlement letter together. You may need them if disputes arise later.

Protecting Your Credit Report

Debt collection accounts damage your credit score. Medical debt stays on your report for seven years.

Requesting Pay-for-Delete

Some collectors remove the account after payment. Ask for pay-for-delete when negotiating your settlement.

H&R Accounts may refuse this request. But asking costs nothing and could save your credit.

Disputing Credit Report Errors

Check your credit report after settling. Make sure H&R Accounts updates the account status correctly.

Report should show “paid” or “settled” status. Dispute any inaccuracies with the credit bureaus immediately.

Moving Forward After Medical Debt

Medical debt feels overwhelming because healthcare costs run so high. But you have real power to reduce what you owe.

Act quickly when H&R Accounts contacts you. File your Answer to any lawsuit immediately. Demand validation before paying anything.

Negotiate a lower settlement amount to save money. Get everything in writing to protect yourself.

You can resolve this debt and move on with your life.