State Collection Service, Inc. is a healthcare receivables company headquartered in Madison, Wisconsin, that has worked with healthcare providers since 1949. If it contacts you, it is almost certainly about a hospital or medical bill.
- Type
- Collection agency
- Also known as
- State Collection Service, Inc.; SCSI
- Headquarters
- Madison, WI
- Collects
- hospital and medical bills
- Phone numbers it lists
- (800) 477-7474
- Website
- statecollectionservice.com
141 debt collection complaints were sent to the Consumer Financial Protection Bureau about State Collection Service, 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 State Collection Service?
State Collection Service, Inc. (SCSI) is headquartered at 2509 South Stoughton Road in Madison, Wisconsin. Its website calls it a national leader in healthcare receivables and uses the phrase "healthcare experts since 1949." It reports $9.7 billion in annual placements. The site lists separate NMLS numbers for offices in Madison, Beloit and Geneva, as well as a Nevada collection agency license (CAD11701).
Why State Collection Service May Be Contacting You
SCSI focuses on healthcare, offering four services to providers: early-out business office billing, bad-debt placements, insurance follow-up and pre-service estimates. As a patient, you are most likely to hear from it in one of two ways:
- Early-out statements. Soon after a hospital visit, SCSI may send statements or call on the provider's behalf while the provider still owns the bill.
- Bad-debt collection. If a bill goes unpaid, the provider may place it with SCSI as a collection account.
The company uses (800) 477-7474 as its main line and an SMS short code for text opt-ins.
How to Check a Debt State Collection Service Says You Owe
- Find out which stage you are in. Ask whether the account is an early-out statement or a placed collection account. The answer affects whether the provider can still rebill insurance or offer a payment plan.
- Ask for an itemized bill and your explanation of benefits. Errors in coding, network status or coordination of benefits often show up here. Texas generally requires an itemized bill before collection; see our S.B. 490 update.
- Ask about charity care. Many hospitals offer financial assistance, and an application can reduce or wipe out a balance.
- Dispute in writing. Once a collection account is placed, the validation notice must name the provider, itemize the debt and give a deadline to dispute (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Check the date of service. In Texas, a creditor generally has 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). Limitation periods vary by state.
What State Collection Service Can and Can't Do
When SCSI collects defaulted medical accounts for providers, it is a "debt collector" under 15 U.S.C. § 1692a(6). That brings specific limits:
- The national credit bureaus have said they do not report paid medical collections or medical collections under $500; see our update.
- Text messages must include a way to opt out, and you can reply STOP; see our Regulation F update.
- Calls are presumed excessive above seven in seven days about one debt (12 C.F.R. § 1006.14(b)(2)).
- It may not share your medical debt with your employer or family beyond limited location contacts.
We did not find a CFPB enforcement action against State Collection Service. If you think SCSI handled your account improperly, our Texas FDCPA attorneys page explains next steps.
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 State Collection Service 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
- State Collection Service: home page
- CFPB enforcement actions search
- CFPB Consumer Complaint Database: State Collection Service, Inc., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that State Collection Service has violated any law. Company details change; tell us if something here is out of date.