Aargon Agency, Inc. is a Las Vegas-based collection agency that recovers unpaid bills for healthcare providers, utilities, telecom companies and other businesses. A letter or call from Aargon usually concerns a hospital, doctor, power, water or phone bill.
- Type
- Collection agency
- Also known as
- Aargon Agency, Inc.
- Headquarters
- Las Vegas, NV
- Collects
- medical bills, utility bills, telecom accounts, real estate and rental balances, retail accounts, returned checks
- Phone numbers it lists
- (800) 280-1183
- Website
- aargon.com
1,524 debt collection complaints were sent to the Consumer Financial Protection Bureau about Aargon Agency, Inc. from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.
Who Is Aargon Agency?
Aargon Agency, Inc. is a debt recovery company that says it was established in 1996 and is headquartered in Las Vegas, Nevada. Its website lists offices in Las Vegas, Honolulu, Tampa and Denver, describes it as a "nationally licensed" collection agency, and links to NMLS licensing and licensed-state pages. A 2020 Connecticut Department of Banking order identifies Aargon as a Nevada corporation with an office on Spring Mountain Road in Las Vegas and identifies Duane Christy as its CEO and owner.
Why Aargon Agency May Be Contacting You
Aargon presents itself mainly as a recovery provider for utility companies and healthcare providers. It runs separate divisions for medical, utility, telecom and national collections and offers "early-out" and extended business office services, in which it handles a hospital's or provider's billing follow-up before an account is treated as a bad debt. Its site also lists retail, real estate, entertainment, banking, check collections and commercial clients.
In practice, that means a notice from Aargon is often about an emergency-room or clinic bill, a final electric, gas or water bill, or a phone account. Depending on the stage, the letter might look like a billing reminder from the provider rather than a classic collection notice. Aargon's consumer line is (800) 280-1183.
How to Check a Debt Aargon Agency Says You Owe
Medical and utility balances are full of adjustments, so test the number before you pay it.
- Get the validation notice. Once an account is in collection, Aargon must provide a notice naming the creditor, itemizing the balance and stating your dispute deadline (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing in time. A written dispute sent within the validation period requires Aargon to pause until it provides verification. For a medical bill, ask for the itemized statement, the dates of service and the insurance claims history. For a utility account, ask for the service address, the meter or account history and the final bill.
- Confirm the owner. Ask whether the hospital or utility still owns the account or whether it has been sold to someone else.
- Look for insurance and assistance credits. Many hospitals offer charity-care or financial-assistance discounts, and insurers sometimes pay after an account is placed. Make sure any payment or write-off shows up.
- Know the time limit. Texas allows four years for most suits on consumer debts (Tex. Civ. Prac. & Rem. Code § 16.004), and Tex. Fin. Code § 392.307 bars debt buyers from suing on time-barred consumer debt. Limitation periods in other states differ.
What Aargon Agency Can and Can't Do
Aargon collects debts owed to its clients, so it is a "debt collector" under 15 U.S.C. § 1692a(6) when it collects consumer accounts. For medical and utility bills, that means:
- A Texas health care facility must send an itemized bill before it pursues collection of a patient balance (our SB 490 update explains the details).
- The three national credit bureaus do not include paid medical collections, or those with an original balance under $500, on credit reports; see our medical debt reporting update.
- Aargon may not discuss your medical account with anyone else, including relatives, beyond limited location requests.
- It is presumed to violate the law if it calls more than seven times in seven days about one debt (12 C.F.R. § 1006.14(b)(2)).
Aargon was the subject of a 2020 Connecticut consent order about licensing, listed below. To learn when a collector's conduct may support a claim, visit our Texas FDCPA attorneys page.
Government Actions on the Public Record
We Sue Debt Collectors That Break the FDCPA
Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Aargon Agency or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.
Free FDCPA Case Review(214) 851-2250
Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.
Sources
- Aargon Agency: home page
- Aargon Agency: About us
- Aargon Agency: Consumer contact
- Connecticut Department of Banking: Aargon Agency consent order (2020)
- CFPB Consumer Complaint Database: Aargon Agency, Inc., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Aargon Agency has violated any law. Company details change; tell us if something here is out of date.