Capio Partners: Who They Are and Your Rights

Type

Collection agency and debt buyer

Also known as

Capio Partners, LLC

Headquarters

Lawrenceville, GA

Collects

hospital bills, physician and other medical bills

Phone numbers it lists

(888) 893-0171, (678) 682-3680

Website

capiopartners.com

1,701 debt collection complaints were sent to the Consumer Financial Protection Bureau about Capio Partners, 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 Capio Partners?

Capio Partners, LLC is a medical debt company. Its website lists its headquarters at 1745 N. Brown Road, Suite 450, Lawrenceville, Georgia, and a second office at 3400 Texoma Parkway, Suite 100, Sherman, Texas. It publishes NMLS number 1134374 and a Receivables Management Association International certification.

Capio was formed in early 2008 by Jim Richards and colleagues from another healthcare collection firm. A February 2008 trade-press profile reported that the company was headquartered in Atlanta, ran its collection operations from a facility in Sherman, Texas, and was buying self-pay debt from hospitals and from hospital-affiliated physician groups in pathology, radiology, anesthesiology and emergency medicine. Today, its website describes working with hospitals and healthcare providers and says accounts are "placed" with it to resolve the balance.

Why Capio Partners May Be Contacting You

A Capio letter almost always concerns a medical bill: an ER visit, a hospital stay, or a bill from a physician group you may never have met, such as the radiologist who read your scan or the anesthesiologist at your surgery. Capio's site says it offers payment plans, screening for charity care and rebilling of insurance, and that it charges no interest or fees.

The company lists (888) 893-0171 for account help and complaints and (678) 682-3680 as its general office number. It also gives [email protected] for written correspondence.

How to Check a Debt Capio Partners 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, coded incorrectly or denied. Before paying, work through these steps:

• Read the validation notice (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). It should name the provider and date of service and itemize the balance.
• Within the dispute window on that notice, send a written dispute if the amount or the account looks wrong. Collection has to pause until Capio verifies the debt.
• Ask whether the hospital or provider still owns the account or whether Capio bought it. That affects who can settle and who could sue.
• Ask for an itemized bill and compare it with your insurer's explanation of benefits. Ask Capio to rebill insurance or screen you for charity care if either might apply. Texas health care facilities generally must send an itemized bill before pursuing collection; see the Texas itemized-bill law.
• Check the date of service. Texas generally allows four years to sue on a debt (Tex. Civ. Prac. & Rem. Code § 16.004), and a debt buyer can't sue on a time-barred consumer debt (Tex. Fin. Code § 392.307). Other states have different deadlines.

What Capio Partners Can and Can't Do

When Capio collects for providers, it is a "debt collector" under 15 U.S.C. § 1692a(6). When it collects accounts it bought after default, it is generally still covered under the FDCPA's principal-purpose test, because collecting debts is the main business of a company like this. Henson v. Santander Consumer USA Inc., 582 U.S. 79 (2017), held that buyers collecting for themselves aren't covered under the "owed to another" test, which makes the principal-purpose test the key question for debt buyers. For medical accounts, specifically:

• Capio says it reports medical debt only as the law allows and that paid medical collections no longer appear on credit reports. Under the bureaus' policies, collections under $500 are also excluded; see the reporting changes.
• A collector can't disclose your medical debt to family, neighbors or your employer.
• It can't add charges not authorized by your agreement with the provider or by law (15 U.S.C. § 1692f(1)).
• Calls are capped at seven in seven days on one account (12 C.F.R. § 1006.14(b)(2)).
• Texas doesn't allow wage garnishment for a medical bill.

If something about Capio's collection troubles you, our FDCPA attorneys can review it.

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 Capio Partners 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

• Capio Partners: official website
• Capio Partners: Resources (consumer FAQ)
• insideARM: Richards building Capio to capture top spot as health care collector (Feb. 25, 2008)
• CFPB Consumer Complaint Database: Capio Partners, LLC, debt collection

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