- Who is JP Recovery Services?
- JP Recovery Services Complaints?
- JP Recovery Services Lawsuits
- JP Recovery Services Contact
- JP Recovery Services Calling?
- How Do I Stop JP Recovery Services Debt Collection Harassment?
- How Can I Delete JP Recovery Services from My Credit Report?
- How Can I Deal with JP Recovery Services?
JP Recovery Services, Inc. (JPRS) is an Ohio-based third-party collection agency specializing in healthcare collections. JPRS has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA) such as improper communication tactics and attempting to collect debts not owed. If you have been contacted by JPRS, understand your rights before responding.
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Is JP Recovery Services a scam?
According to the Better Business Bureau (BBB), JP Recovery Services, Inc. was founded in February 1998, and the BBB established its profile page about 8 months later, in October 1998. JPRS is listed as a collection agency and billing service and uses the alternate business name, Patient Financial Solutions. Buzzfile estimates JPRS’ annual revenue at $10.4 million and the size of its headquarters staff at 90 people. Buzzfile also lists an alternate website for JPRS at www.patientfinancialsolutions.com.
According to its website, JP Recovery Services “is a full-service accounts receivable management company that provides collection support to credit grantors to improve cash flow and reduce aged receivables.” JPRS’ “account follow-up activities are conducted with professional efficiency to maximize recovery and protect client reputation.”
JPRS employs collection staff in three main divisions: medical billing, pre-collection/early-out, and bad debt collection. The medical billing division “has the resources and technology to assume full control over outsourced receivables” with a staff of “experienced and highly motivated medical billers and AAPC certified CPC coders to supplement the patient accounts staff” of the billing departments of healthcare providers. Their pre-collect/early-out division addresses “the challenges healthcare institutions face in recovering patient liability receivables at the earliest stages of the collection cycle” by offering first-party collection for 30- to 90-day delinquencies.
JPRS’ bad debt collection division uses industry technology including predictive dialing systems, customized reporting, call monitoring, call recording, and account scoring. They provide litigation services for harder-to-collect delinquencies. They cite a “perfect record of compliance and adherence to state and federal laws.”
The JP Recovery Services website is client-facing and does not offer any information about its compliance policies. The payment portal page displays a standard disclaimer that identifies them as a debt collector, but there are no links or references to consumer protection resources, laws, or enforcement agencies.
The BBB has closed 32 complaints against JP Recovery Services Inc in the past three years, with 8 closed in the past 12 months. Most of those complaints allege problems with billing and collections. Since June 2015, the Consumer Financial Protection Bureau (CFPB) has received 17 complaints about JPRS. Justia lists at least 9 cases of civil litigation involving JPRS.
Absolutely. Here are some Sample Cases against JP Recovery Services Inc
Complaints against JPRS frequently cite problems resulting from inaccurate documentation and poor communication. In February 2017, a complainant indicated that he had received a letter stating JPRS would accept a lower payment amount as settlement in full for a past due medical bill. When the complainant called to accept the offer the next day, the representative apologized and said they were not authorized to accept that much of a discount and could only accept the payment in full. According to the complainant, the representative said, “This supposedly doesn’t happen often.” The complainant was concerned about the dishonest practice of making offers in writing, then not honoring them. In response, JPRS indicated that the “collector erred in the settlement amount that was offered and sent in the letter.” However, they acknowledged that once they had made the offer in writing, they were bound to accept payment. JPRS “counseled their associate in the proper procedure when an error is discovered,” and informed the complainant that they would accept the lower balance as payment in full.
In November 2016, a complainant indicated that his insurance company was supposed to have paid a bill that JPRS attempted to collect from him. At the time of service, the complainant indicates that the healthcare provider assured him they were in his insurance network, and that the insurance company would pay for all the associated costs. Despite the desk agent’s assurances, he was subsequently informed that the healthcare provider was out of his network. The complainant alleged that this misrepresentation was fraudulent and led him to agree to accept medical treatment he would otherwise have declined. Regardless, he insisted that the healthcare provider was paid by the insurance at whatever negotiated rate they had agreed to previously, and that he did not believe he should be held liable for any outstanding balance. He requested that all collection efforts on the part of JPRS cease. JPRS did not accept responsibility, instead indicating that the complaint was “caused principally by actions of a third party outside the control or direction of the company.”
JP Recovery Services, Inc.
PO Box 16749
Rocky River, OH 44116
Telephone: (800) 366-0109
Understanding Your Debt Collection Rights
The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are federal laws that regulate the collections industry. The FDCPA prohibits actions such as using tactics intended to harass, oppress, or annoy consumers. The FCRA regulates how collection agencies report information to credit reporting agencies. Additional consumer protection laws include the Consumer Financial Protection Act (CFPA) and the Telephone Consumer Protection Act (TCPA). These laws are enforced by federal agencies such as the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). The complaints above illustrate why it is important to understand your rights and responsibilities under these laws when you are attempting to communicate with collection agencies.
In addition, these laws provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers to recover damages of up to $1,000, plus attorney fees and court costs, in cases proving violations of the FDCPA. Seek legal assistance if you are trying to resolve a dispute with a collection agency.
Your debt harassment checklist:
- You are receiving multiple calls per week from third party collection agencies
- You are receiving early morning or late night calls from debt collectors
- You are recieving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200.
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