CMRE Financial Services, Inc. is a healthcare revenue cycle and collection company. It contacts patients about unpaid hospital and medical bills placed by healthcare providers.
- Type
- Collection agency
- Also known as
- CMRE Financial Services, Inc.; CMRE
- Collects
- hospital bills, medical bills, aged insurance claims
- Phone numbers it lists
- (800) 783-9118, (714) 528-3200
- Website
- cmrefsi.com
157 debt collection complaints were sent to the Consumer Financial Protection Bureau about CMRE Financial Services, 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 CMRE Financial Services?
CMRE Financial Services, Inc. describes itself as a national revenue cycle management company for healthcare providers, and its website also identifies it as a debt collector. Its services include online bill payment for patients, bad-debt recovery, resolution of aged insurance claims, and self-pay outsourcing aimed at preventing accounts from becoming bad debt. The website lists two phone numbers, (800) 783-9118 and (714) 528-3200, and a contact mailing address of P.O. Box 20508, Indianapolis, IN 46220. The site refers to work for a hospital in Orange County, California, but it does not say where the company is headquartered, so we have not listed one.
We did not find a CFPB enforcement action against CMRE Financial Services.
Why CMRE Financial Services May Be Contacting You
Almost everything CMRE does involves healthcare. If CMRE contacts you, it is most likely about:
- a hospital, emergency-room or physician balance the provider has written off as bad debt;
- a self-pay balance, meaning the part of a bill your insurance did not cover, which CMRE may handle for the provider before it goes to collection;
- a claim the provider says an insurer never paid, where CMRE may ask you for updated insurance information.
Because CMRE can work both in the provider's early billing stage and in bad-debt recovery, look at whether the letter says it is from a debt collector. That tells you which stage your account is in.
How to Check a Debt CMRE Financial Services Says You Owe
Medical balances often shrink once insurance and charity-care rules are applied correctly.
- Get the validation notice and check the provider name, dates of service and itemized balance (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing within the validation period if insurance should have paid or the amount looks wrong. CMRE must stop collecting until it sends verification.
- Request an itemized bill from the hospital. In Texas, many providers must provide one before sending a bill to collection (Texas SB 490).
- Ask about financial assistance. Nonprofit hospitals must have written financial assistance policies, and you may qualify even after the bill is in collection.
- Confirm the creditor and the date. Ask whether the provider still owns the account. Texas generally gives four years to sue on a consumer debt (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers cannot sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Other states set different limits.
What CMRE Financial Services Can and Can't Do
When it collects bad debt for hospitals, CMRE is a "debt collector" under 15 U.S.C. § 1692a(6). Some important limits:
- It may not report a medical debt to the credit bureaus before communicating with you about it (12 C.F.R. § 1006.30(a)). The bureaus' own medical-debt policies have changed too; see medical-debt reporting changes.
- It may not discuss your account with relatives or co-workers, apart from limited location requests (15 U.S.C. § 1692c(b)).
- It may not collect more than the provider is entitled to charge (15 U.S.C. § 1692f(1)).
- Calls are presumptively limited to seven in seven days per debt (12 C.F.R. § 1006.14(b)(2)).
See can I be sued over medical bills in Texas? or reach our FDCPA attorneys.
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 CMRE Financial 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
- CMRE Financial Services: home page
- CFPB enforcement actions search
- CFPB Consumer Complaint Database: CMRE Financial Services, Inc., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that CMRE Financial Services has violated any law. Company details change; tell us if something here is out of date.