ARstrat: Who They Are and Your Rights

Type

Collection agency

Also known as

Patient Accounting Service Center, LLC; Patient Accounting Services Center, LLC dba Arstrat; ARstrat, LLC

Headquarters

Sugar Land, TX

Collects

hospital bills, self-pay patient balances, other health care provider accounts

Phone numbers it lists

(888) 250-6379, (888) 248-8143

Website

arstrat.com

256 debt collection complaints were sent to the Consumer Financial Protection Bureau about Patient Accounting Service Center 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 ARstrat?

ARstrat describes itself as a collection and bad debt resolution provider for the health care industry. Its website lists its headquarters at 14141 Southwest Freeway, Suite 300, in Sugar Land, Texas, and offers three lines of work: patient collection services, integration and performance reporting for hospital revenue cycles, and litigation and pre-litigation services on long-delinquent accounts.

The CFPB complaint database files this company under the name "Patient Accounting Service Center." Texas Secretary of State bond records tie the two names together: a debt collector bond was filed for "Patient Accounting Services Center, LLC dba Arstrat" at a Houston address in 2014 (since canceled), and ARstrat, LLC holds active Texas bonds for its Sugar Land and Denison, Texas offices. GetixHealth, a health care revenue cycle company, says on its About page that its founder started GetixHealth in 2012 by buying Patient Accounting Service Center, LLC from Xerox Corporation; GetixHealth lists the same Sugar Land street address as ARstrat.

The ARstrat site lists NMLS ID 1456896, Nevada collection agency license CAD11352, and New York City Department of Consumer and Worker Protection license numbers 2132311-DCA (Sugar Land) and 2073431-DCA (Denison).

Why ARstrat May Be Contacting You

ARstrat works for hospitals, clinics and other health care organizations. A call or letter from it almost always concerns a balance a provider says you still owe after insurance, such as a deductible, a co-insurance share, or a bill for a visit when you were uninsured. Because ARstrat also offers pre-litigation and litigation services, an older account may come with a letter about possible legal action. The letter should name the hospital or practice. If it doesn't, ask.

How to Check a Debt ARstrat Says You Owe

Medical balances are among the most error-prone debts, so look closely before you pay:

• Read the validation notice. Within five days of first contact, ARstrat must send the information required by 15 U.S.C. § 1692g and Regulation F, 12 C.F.R. § 1006.34: the provider's name, an itemization of the balance, and the last day to dispute. See what a validation notice must contain.
• Get the itemized bill. In Texas, a licensed health care facility generally cannot pursue collection until it has sent you an itemized bill (S.B. 490). Compare it to your insurer's explanation of benefits. Unprocessed claims, coding errors and duplicate charges are common.
• Dispute in writing within the validation period if anything is wrong. ARstrat must pause collection until it sends verification. Our guide on disputing a debt walks through it.
• Ask who holds the account now. Confirm whether the provider still owns the balance or has sold it.
• Check the dates. Texas generally allows four years to sue on a debt (Tex. Civ. Prac. & Rem. Code § 16.004), and a debt buyer cannot sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Other states use different limitation periods.

What ARstrat Can and Can't Do

An agency that collects debts owed to hospitals and other providers is a "debt collector" under the Fair Debt Collection Practices Act, 15 U.S.C. § 1692a(6). That means:

• It can't add interest or fees unless the agreement with your provider or the law allows them (more on added fees).
• It can't discuss your medical account with your employer, relatives or neighbors, except to find your contact information.
• It is presumed to violate Regulation F if it calls more than seven times in seven days about one account, or within seven days after a phone conversation about it (12 C.F.R. § 1006.14(b)(2); see our call and text limits summary).
• It can't report a medical debt you have shown is wrong. Under the nationwide credit bureaus' policies, paid medical collections and those under $500 shouldn't appear on your report (details).
• It can't threaten a lawsuit it does not intend to file.

We did not find a CFPB enforcement action against ARstrat or Patient Accounting Service Center. If you think an ARstrat contact crossed the line, our Texas FDCPA attorneys can review it at no cost.

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 ARstrat 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

• ARstrat: home page
• ARstrat: About us (license numbers in footer)
• ARstrat: Contact us
• GetixHealth: About (history of Patient Accounting Service Center, LLC)
• Texas Secretary of State debt collector bond search (Patient Accounting Services Center, LLC dba Arstrat, file 20140162; ARstrat, LLC, files 20170175 and 20180106)
• CFPB enforcement actions search
• CFPB Consumer Complaint Database: Patient Accounting Service Center, debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that ARstrat has violated any law. Company details change; tell us if something here is out of date.