Receivables Outsourcing: Who They Are and Your Rights

Type

Collection agency

Also known as

Receivables Outsourcing, Inc.; Receivables Outsourcing, LLC; ROI; ROI Companies

Collects

self-pay patient balances, bad-debt medical accounts

Phone numbers it lists

(877) 435-4009

Website

receivablesoutsourcingllc.com

39 debt collection complaints were sent to the Consumer Financial Protection Bureau about Receivables Outsourcing, 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 Receivables Outsourcing?

Receivables Outsourcing describes itself as a revenue cycle management company for healthcare providers, "founded in 1995," that specializes in self-pay and bad-debt collection. Its website is published by Receivables Outsourcing, LLC. The CFPB lists complaints under "Receivables Outsourcing, Inc.," an older corporate name. The Better Business Bureau shows that name as an alternate name of "ROI Companies," along with Medical Bureau of Economics, Inc. and ROI Acquisition Corp. The BBB lists the same toll-free number, (800) 234-1357, for both the corporation and the LLC. We could not confirm the exact corporate relationship between the two.

The LLC's state-disclosure page lists California debt collection license No. 10598-99, NMLS #1126626, and New York City license No. 2026254-DCA. It gives a mailing address of P.O. Box 876, Glen Burnie, MD 21060, and a Colorado office at 27 North Willerup Avenue, Suite B, Montrose, CO 81401, with a toll-free number of (877) 435-4009. The BBB lists the LLC at 3300 Rider Trail South in Earth City, Missouri, with a start date of April 19, 2017.

Why Receivables Outsourcing May Be Contacting You

The company says it serves "healthcare providers across the nation" with self-pay collections, bad-debt collections and digital patient billing. "Self-pay" usually means the part of a bill left after insurance, or a bill for a patient without coverage. You may first hear from it by text message or digital statement, since its site emphasizes a "digital-first" patient experience, and payments go through a portal at personapay.com. The provider's name should appear on every message.

How to Check a Debt Receivables Outsourcing Says You Owe

Hospital and physician bills change often as claims are processed, so confirm the current balance before you pay:

• Ask whether the account is still with the provider or in collection. Early self-pay billing sent in the provider's name may differ from bad-debt collection, which comes with the federal validation notice (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
• Request an itemized bill and match it to your EOB. Look for denied claims that should be resubmitted. Texas law now requires an itemized statement before many medical bills go to collection; see Texas SB 490.
• Dispute in writing within the validation period if the balance is wrong. Collection must pause until verification is sent.
• Ask about financial assistance. Many hospitals have charity-care programs that can reduce or erase a balance.
• Know the timing rules. Texas generally allows four years to sue on a debt (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debts (Tex. Fin. Code § 392.307). Other states set different deadlines.

What Receivables Outsourcing Can and Can't Do

When it collects defaulted patient accounts in its own name for providers, Receivables Outsourcing is a debt collector under 15 U.S.C. § 1692a(6). In that role:

• It must follow Regulation F's rules for texts and emails, including a simple way to opt out (12 C.F.R. § 1006.6(e)). See can debt collectors text or email me?
• It may not reveal your medical debt to third parties, apart from limited location requests (15 U.S.C. § 1692c(b)).
• It may not collect a balance your insurer already paid, or add fees the provider's terms don't allow (15 U.S.C. §§ 1692e(2), 1692f(1)).
• Medical collections are treated differently on credit reports now; see the bureaus' medical debt changes.

We did not find a CFPB enforcement action against Receivables Outsourcing. For help with a medical collection account, contact 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 Receivables Outsourcing 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

• Receivables Outsourcing: home page
• Receivables Outsourcing: About Us
• Receivables Outsourcing: State Disclosures
• BBB business profile: Receivables Outsourcing, LLC (facts only)
• BBB business profile: ROI Companies / Receivables Outsourcing, Inc. (facts only)
• CFPB enforcement actions search: Receivables Outsourcing
• CFPB Consumer Complaint Database: Receivables Outsourcing, Inc., debt collection

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