FOX Collection Center: Who They Are and Your Rights

Type

Collection agency

Also known as

Professional Recovery Management; Professional Recovery Management, Inc.; Fox Collection Center

Headquarters

Goodlettsville, TN

Collects

hospital bills, medical bills, utility bills, municipal accounts

Phone numbers it lists

(888) 633-0384, (615) 559-4015, (800) 422-2793, (615) 859-2891

Website

foxcollection.com

554 debt collection complaints were sent to the Consumer Financial Protection Bureau about Professional Recovery Management 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 FOX Collection Center?

The CFPB lists complaints for this company under the name "Professional Recovery Management." Professional Recovery Management, Inc. is the company that owns FOX Collection Center. FOX's About page says the agency has collected delinquent accounts since 1950, was owned by the Fox family until 2008, and was then acquired by Professional Recovery Management, Inc., with Fox family members staying on in management. The Better Business Bureau's profile for Fox Collection Center lists Professional Recovery Management, Inc. as an alternate name and shows a corporation incorporated in 1989.

FOX says it began in downtown Nashville, moved to Goodlettsville, Tennessee in the early 1970s, and later added an office in Cookeville, Tennessee (by acquiring a local agency in 2012) and a call center in Anderson, South Carolina. Its address on the BBB profile is 454 Moss Trail, Goodlettsville, TN 37072.

Why FOX Collection Center May Be Contacting You

FOX says it collects for municipalities, utilities, medical practices, hospitals, billing companies and other businesses, and the client testimonials on its home page come from a regional medical center, a hospital and a pediatric foundation. Its services page notes that its collectors are trained in medical claims terminology. Most people who hear from FOX are dealing with an unpaid hospital, physician or clinic bill, or a utility or city services balance.

FOX's payment site, payfoxcollection.com, lists (888) 633-0384 and (615) 559-4015 for people who received a letter; its main lines are (800) 422-2793 and (615) 859-2891.

How to Check a Debt FOX Collection Center Says You Owe

Medical bills are where insurance errors and billing mistakes show up most, so treat a FOX letter as the start of a paper chase rather than a final bill.

• Read the validation notice. It must name the hospital or provider and itemize the balance (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
• Dispute in writing within the validation period. Ask for an itemized statement with dates of service and billing codes, plus a record of insurance payments and adjustments. FOX must stop collecting until it verifies the debt.
• Call your insurer. Compare the explanation of benefits with the balance; a denied or pending claim may be the real problem.
• Ask about financial assistance. Many hospitals have charity-care or discount programs that can apply even after a bill goes to collection.
• Watch the limitation period. Texas generally allows 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 in Texas (Tex. Fin. Code § 392.307). Tennessee and other states have their own periods.

What FOX Collection Center Can and Can't Do

An agency collecting medical and utility bills owed to others is a "debt collector" under 15 U.S.C. § 1692a(6). For FOX's accounts:

• FOX says it reports to Experian, TransUnion and Equifax. Paid medical collections, and medical collections under $500, no longer appear on those bureaus' reports. See medical debt credit reporting changes.
• For a bill from a licensed Texas health care facility, the provider may not pursue collection until it sends a written itemized bill (Texas SB 490).
• FOX's site mentions garnishments, judgments and levies as pre-litigation tools for clients. Those depend on state law and a court judgment; in Texas, wages cannot be garnished for an ordinary consumer debt such as a medical bill.
• It may not call more than seven times in seven days about one bill (12 C.F.R. § 1006.14(b)(2)), or tell your employer or relatives about the debt (15 U.S.C. § 1692c(b)).

If FOX'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 FOX Collection Center 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

• FOX Collection Center: home page
• FOX Collection Center: About
• FOX Collection Center: Offices
• FOX Collection Center: Services
• FOX Collection Center: consumer payment site
• BBB business profile: Fox Collection Center (alternate name Professional Recovery Management, Inc.)
• CFPB Consumer Complaint Database: Professional Recovery Management, debt collection

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