Smith, Rouchon & Associates: Who They Are and Your Rights

Type

Collection agency

Also known as

Smith, Rouchon & Associates, Inc.; SRA

Headquarters

Jackson, MS

Collects

medical bills, retail accounts, commercial accounts, bank accounts

Phone numbers it lists

(800) 748-8818, (601) 355-5456, (800) 804-4280, (256) 740-4280

Website

sra-inc.net

174 debt collection complaints were sent to the Consumer Financial Protection Bureau about SMITH, ROUCHON & ASSOCIATES, 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 Smith, Rouchon & Associates?

Smith, Rouchon & Associates, Inc., often shortened to SRA, is a full-service collection agency whose website says it has been collecting debts since 1979. It operates two locations: one serving Jackson, Mississippi (mailing address P.O. Box 260, Clinton, MS 39060) and one in Florence, Alabama (P.O. Box 2984, Florence, AL 35630). The company says it is a member of the American Collectors Association and that it follows the FDCPA and HIPAA.

Its published numbers are (800) 748-8818 and (601) 355-5456 for the Jackson office, and (800) 804-4280 and (256) 740-4280 for the Florence office.

We did not find a CFPB enforcement action against Smith, Rouchon & Associates.

Why Smith, Rouchon & Associates May Be Contacting You

SRA says it works for businesses of all types, naming retail businesses, banks and medical providers, and that it handles medical collection accounts, retail collections and commercial debt recovery. Its programs include "early out" and pre-collection service, primary and secondary placements, bankruptcy checks and skip tracing. In plain terms, you might hear from SRA:

• shortly after a hospital or clinic bill goes unpaid, through an early-out program that may look like a billing reminder;
• after another agency has already tried to collect, as a secondary placement;
• about a store account or a bank balance from a Mississippi or Alabama business.

How to Check a Debt Smith, Rouchon & Associates Says You Owe

Most medical-bill disputes come down to insurance, so start there.

• Read the validation notice and note the creditor, the date of service if it's a medical bill, and the itemized balance (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
• Dispute in writing before the validation deadline if insurance should have paid, if you never received care from that provider, or if the total is off. SRA must stop collecting until it verifies.
• Check your explanation of benefits. Compare what your insurer allowed and paid against what the provider billed. A Texas provider must give you an itemized bill before sending an account to collection in many cases (see Texas SB 490).
• Ask whether the provider still owns the account.
• Watch the calendar. In Texas, suits on most consumer debts must be filed within four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Mississippi, Alabama and other states have their own limitation periods.

What Smith, Rouchon & Associates Can and Can't Do

SRA collects debts owed to other businesses, so it is a "debt collector" under 15 U.S.C. § 1692a(6). Under the FDCPA and Regulation F:

• It may not report a medical or other debt to the credit bureaus before it has communicated with you about it (12 C.F.R. § 1006.30(a)). The national credit bureaus have also changed how they handle medical collections; see medical-debt reporting changes.
• It may not discuss your debt with family members or your employer, apart from limited location inquiries (15 U.S.C. § 1692c(b)).
• More than seven calls in seven days about one account is presumed to be harassment (12 C.F.R. § 1006.14(b)(2)).
• It may not collect any amount not authorized by the agreement or by law (15 U.S.C. § 1692f(1)).

Questions about an SRA call or letter? 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 Smith, Rouchon & Associates 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

• Smith, Rouchon & Associates: home page
• CFPB enforcement actions search
• CFPB Consumer Complaint Database: SMITH, ROUCHON & ASSOCIATES, INC., debt collection

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