Balanced Healthcare Receivables: Who They Are and Your Rights

Type

Collection agency

Also known as

Balanced Healthcare Receivables, LLC; BHR

Headquarters

Nashua, NH

Collects

medical bills, healthcare provider balances

Phone numbers it lists

(866) 460-2471

Website

bhrllc.com

51 debt collection complaints were sent to the Consumer Financial Protection Bureau about BALANCED HEALTHCARE RECEIVABLES, LLC 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 Balanced Healthcare Receivables?

Balanced Healthcare Receivables, LLC, which calls itself BHR, describes its business as "Healthcare Receivables Management." Its Better Business Bureau profile lists the company at 164 Burke Street, Suite 201, in Nashua, New Hampshire, and gives a business start date of January 29, 2007. BHR's corporate page describes it as a healthcare-specific receivables management company and says it is privately held. The same page names a sister company, Active Healthcare Receivables (AHR), which it calls a first-party healthcare accounts receivable firm, meaning AHR works under the provider's own name rather than as an outside collector.

BHR's website lists several licenses, including NMLS #948399, California license #10236-99, Arizona license #CA-1001069 and Nevada license #CAD11002. Its consumer pages state plainly that communications from BHR are from a debt collector.

Why Balanced Healthcare Receivables May Be Contacting You

BHR's consumer help page says it is "engaged by your healthcare provider" to work out a resolution of the patient's account. In practice, that means the bill behind the contact is almost always a medical one: a hospital stay, an emergency room visit, a physician or specialist charge, lab work or imaging. The name on the notice will be BHR, but the creditor is the provider that treated you.

BHR also says it may send account-related text messages, including payment reminders, and that you can reply STOP to opt out. Its consumer help line is (866) 460-2471.

How to Check a Debt Balanced Healthcare Receivables Says You Owe

Medical balances are often wrong for reasons that have nothing to do with you, such as an insurance claim that was never filed or was processed incorrectly. Before you pay, work through these steps:

• Read the validation notice closely. Within five days of first contact, BHR must give you a notice naming the provider, the amount and the dispute deadline (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). Match the date of service to your own records.
• Dispute in writing within the validation period. A timely written dispute requires BHR to pause collection until it sends verification. Ask for an itemized statement and the explanation of benefits showing how insurance was applied.
• Confirm who holds the account. Ask whether the provider still owns the balance or whether it has been assigned or sold.
• Check insurance and charity care. Many hospitals offer financial assistance. If you qualified, or if insurance should have paid, raise that in your dispute.
• Watch the age of the debt. Texas generally gives a creditor four years to sue on a debt (Tex. Civ. Prac. & Rem. Code § 16.004), and a debt buyer may not sue on time-barred consumer debt here (Tex. Fin. Code § 392.307). Other states use different periods.

What Balanced Healthcare Receivables Can and Can't Do

An agency that collects debts owed to healthcare providers is a "debt collector" under the FDCPA (15 U.S.C. § 1692a(6)). That brings specific limits:

• Under Texas law, a licensed health care facility generally must send you a written, itemized bill before pursuing collection. See our update on Texas SB 490.
• The national credit bureaus no longer show paid medical collections or medical collections under $500. Our article on medical debt reporting changes explains the details.
• Texts are covered too. Regulation F requires a simple way to opt out of electronic messages and presumes more than seven calls in seven days about one debt is harassment (12 C.F.R. § 1006.14(b)(2)). See our Regulation F summary.
• It may not discuss your medical bill with your employer, family or neighbors, except in the narrow ways the FDCPA allows to locate you.

We did not find a CFPB enforcement action against Balanced Healthcare Receivables. If you think a BHR call, letter or text crossed the line, see our Texas FDCPA attorneys page.

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 Balanced Healthcare Receivables 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

• Balanced Healthcare Receivables: home page and licenses
• Balanced Healthcare Receivables: Consumer help
• Balanced Healthcare Receivables: Corporate
• BBB business profile: Balanced Healthcare Receivables (facts only)
• CFPB enforcement actions list
• CFPB Consumer Complaint Database: BALANCED HEALTHCARE RECEIVABLES, LLC, debt collection

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