SCA Collections, Inc. is a health care collection agency in Greenville, North Carolina that has worked for hospitals, physician practices and other medical providers since 1980. If it is contacting you, the account is almost certainly an unpaid medical, dental or ambulance bill.
- Type
- Collection agency
- Also known as
- SCA Collections, Inc.
- Headquarters
- Greenville, NC
- Collects
- hospital bills, physician and specialist bills, dental bills, urgent care bills, ambulance (EMS) bills
- Phone numbers it lists
- (800) 334-7713, (252) 355-5500
- Website
- scacollections.com
99 debt collection complaints were sent to the Consumer Financial Protection Bureau about SCA Collections, 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 SCA Collections?
SCA Collections, Inc. is a debt collection agency at 300 East Arlington Boulevard in Greenville, North Carolina (mailing address P.O. Box 876, Greenville, NC 27835). The company says it has provided health care collection services since 1980, for clients ranging from large national health systems to small rural hospitals and government facilities. Its website lists a California collection license (10600-99) and a North Carolina collection agency permit (119498521), and includes a Tennessee licensing notice. We did not find a CFPB enforcement action against SCA Collections.
Why SCA Collections May Be Contacting You
SCA works almost entirely for medical providers. Its client list includes hospitals and hospital buying groups, radiology and pathology groups, dentists, primary care and urgent care offices, pain management clinics, eye care practices, emergency physicians and EMS (ambulance) services. It offers early-out (pre-collection) programs as well as bad-debt collection, so you may hear from SCA while a provider is still trying to bill you, or after the provider has written the balance off.
SCA says its program uses letters, phone calls, address searches and credit reporting to Experian, Equifax and TransUnion. Its telephone calls are recorded. The website posts New Mexico's surprise medical billing notice, which is a reminder that some out-of-network emergency charges are limited by law.
How to Check a Debt SCA Collections Says You Owe
Medical bills often carry insurance errors, duplicate charges and balances that should have gone to charity care. Before paying:
- Get the validation notice. It must name the provider, itemize the balance from a reference date, and explain how to dispute (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing within the validation period and ask for the itemized bill, the date of service, and every insurance payment and adjustment. For care in Texas, a provider may not pursue collection until it has sent you a written itemized bill; see Texas SB 490.
- Check your explanation of benefits. If your insurer should have paid, ask the provider to rebill. Also ask the hospital whether you qualify for financial assistance.
- Confirm who owns the account, the provider or a later buyer.
- Know the deadline. In Texas most debt suits must be filed within four years (Tex. Civ. Prac. & Rem. Code § 16.004), and a debt buyer cannot sue on time-barred consumer debt (Tex. Fin. Code § 392.307). North Carolina and other states have their own rules. See also whether you can be sued over medical bills in Texas.
What SCA Collections Can and Can't Do
As a third-party agency collecting consumer debts owed to its clients, SCA is a "debt collector" under 15 U.S.C. § 1692a(6), and the FDCPA and Regulation F apply to it.
- It may not report a debt to a credit bureau before contacting you about it (12 C.F.R. § 1006.30(a)). Paid medical collections, and those with an original balance under $500, are no longer included on the three bureaus' reports; see the bureaus' medical debt changes.
- It may not discuss your medical bill with your employer, relatives or neighbors, except to find your location (15 U.S.C. § 1692c(b)).
- It may not call more than seven times in seven days about one bill (12 C.F.R. § 1006.14(b)(2)).
- It may not collect interest or fees the provider's agreement or state law does not allow (15 U.S.C. § 1692f(1)).
If SCA's conduct 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 SCA Collections 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
- SCA Collections: home page and state licensing notices
- SCA Collections: services for health care providers
- CFPB Consumer Complaint Database: SCA Collections, Inc., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that SCA Collections has violated any law. Company details change; tell us if something here is out of date.