Central States Recovery is a third-party collection agency in Hutchinson, Kansas, in business since the mid-1980s. About 95% of its clients are healthcare providers, so its letters usually concern a patient balance.
- Type
- Collection agency
- Also known as
- Central States Recovery, Inc.; CSR
- Headquarters
- Hutchinson, KS
- Collects
- medical bills
- Phone numbers it lists
- (800) 779-0419, (620) 663-8811
- Website
- csrecovery.com
69 debt collection complaints were sent to the Consumer Financial Protection Bureau about Central States Recovery, 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 Central States Recovery?
Central States Recovery, or CSR, is a third-party collection agency based in Hutchinson, Kansas. Its mailing address is P.O. Box 3130, Hutchinson, KS 67501, and the Better Business Bureau lists an office at 1314 North Main Street. CSR's About page traces its first office to 1985, and the BBB shows the business starting in 1986, with a new limited liability company formed in 2021 and new ownership dated August 1, 2021. CSR describes itself as an extension of its clients' business offices. We did not find a CFPB enforcement action against Central States Recovery.
Why Central States Recovery May Be Contacting You
CSR says about 95% of its clients are healthcare providers and that it tries to preserve patients' goodwill toward those providers. A letter or call from CSR most likely concerns a hospital, clinic or physician bill that went unpaid, often after insurance processed part of it. The notice should name the provider. CSR's toll-free number is (800) 779-0419, and its local number is (620) 663-8811.
How to Check a Debt Central States Recovery Says You Owe
With medical debt, the most common problem is a balance that should have been billed to insurance or reduced by it.
- Use the validation notice. CSR must give you the provider's name and an itemization of the balance (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing within the validation period and ask for the itemized statement of services. CSR must stop collecting until it verifies the debt.
- Match the bill to your explanation of benefits. Look for services billed twice, claims that were never sent to your insurer, or a balance that ignores an approved discount or financial-assistance adjustment.
- If the provider is a Texas facility, it must send you an itemized bill before pursuing collection; see Texas's itemized medical bill law.
- Check the age of the bill. Texas generally allows four years to sue on a debt (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers cannot sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Kansas and other states use different periods.
What Central States Recovery Can and Can't Do
CSR collects debts owed to healthcare providers, so it is a "debt collector" under 15 U.S.C. § 1692a(6).
- Paid medical collections and medical collections with an original balance under $500 should not appear on your credit report under the credit bureaus' policies; see medical debt reporting changes.
- It may not add interest or fees unless the provider's agreement or state law allows them (15 U.S.C. § 1692f(1)).
- It may not discuss your medical debt with your employer or relatives (15 U.S.C. § 1692c(b)).
- It must limit calls to seven attempts in seven days per debt (12 C.F.R. § 1006.14(b)(2)); see how many times a collector can call.
For more on medical bills, see can I be sued over medical bills in Texas? If CSR's collection seemed improper, 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 Central States Recovery 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
- Central States Recovery: home page
- Central States Recovery: About Us
- Central States Recovery: Contact Us
- BBB business profile: Central States Recovery
- CFPB enforcement actions search: Central States
- CFPB Consumer Complaint Database: Central States Recovery, Inc., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Central States Recovery has violated any law. Company details change; tell us if something here is out of date.