Centron Services: Who They Are and Your Rights

Type

Collection agency

Also known as

Centron Services, Inc.

Headquarters

Helena, MT

Collects

medical bills, dental bills, utility bills, retail accounts, mental health counseling bills, attorney fees, municipal fees

Phone numbers it lists

(406) 442-3728, (800) 223-8112

Website

centronservices.com

38 debt collection complaints were sent to the Consumer Financial Protection Bureau about Centron Services 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 Centron Services?

Centron Services, Inc. is a collection agency in Helena, Montana. Its website says it was founded in 1927 and serves creditors across Montana. Its office is at 2525 Colonial Drive, Suite C, with a mailing address of P.O. Box 875 in Helena. Centron works on contingency, meaning it is paid only when it collects. Its site also lists two related divisions, Patient Business Services and Rocky Mountain Professional Solutions (RMP Solutions). We did not find a CFPB enforcement action against Centron Services.

Why Centron Services May Be Contacting You

Centron lists the kinds of accounts it handles: medical, dental, utility, retail, mental health counseling, attorney and municipal fee accounts, among others. Most people who hear from Centron owe, or are said to owe, a local Montana provider: a clinic, a dentist, a utility, a city or a law office. Centron says its services include reporting certain unpaid accounts to credit bureaus and taking legal action, so a letter may mention either one. Its local number is (406) 442-3728 and its toll-free number is (800) 223-8112.

How to Check a Debt Centron Services Says You Owe

Small local bills are easy to lose track of, especially after a move. Rebuild the history before you pay.

• Read the validation notice. Centron must identify the provider or creditor and itemize the balance, including any interest or fees added since the itemization date (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
• Dispute in writing within the validation period if the amount looks wrong, and ask for the itemized bill. For a medical or dental bill, check what your insurance paid.
• For a utility or city fee, ask for the service address, the dates of service and the final bill. Make sure a deposit was credited.
• Confirm the creditor still owns the account and that Centron is collecting on its behalf.
• Watch the limitations period. If you now live in Texas, most debt suits must be filed within four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers cannot sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Montana and other states have their own rules, and the state whose law applies can depend on the facts.

What Centron Services Can and Can't Do

Centron collects consumer debts owed to others, so it is a "debt collector" under 15 U.S.C. § 1692a(6).

• It may not report a debt to a credit bureau before it has communicated with you about it (12 C.F.R. § 1006.30(a)).
• Under the credit bureaus' policies, paid medical collections and medical collections under $500 should not appear on your report; see medical debt reporting changes.
• It may not threaten a lawsuit that the creditor does not intend to file (15 U.S.C. § 1692e(5)).
• It may not contact your employer or family about the debt, except to find your address or phone number (15 U.S.C. §§ 1692b, 1692c(b)); see can a collector contact my family or employer?

If Centron'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 Centron Services 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

• Centron Services: home page
• CFPB enforcement actions search: Centron
• CFPB Consumer Complaint Database: Centron Services, debt collection

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