Summit Account Resolution: Who They Are and Your Rights

Type

Collection agency

Also known as

Summit A*R, Inc.; Summit A•R

Headquarters

Champlin, MN

Collects

medical bills, dental bills, utility bills, education balances, residential rental balances, home services bills, auto rental charges, veterinary bills

Phone numbers it lists

(888) 212-2021

Website

summitcollects.com

449 debt collection complaints were sent to the Consumer Financial Protection Bureau about Summit A*R, 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 Summit Account Resolution?

Summit A*R, Inc. uses the name Summit Account Resolution and styles itself "Summit A•R." Its website says it has been operating since 1996, and its BBB business profile lists an address at 12201 Champlin Dr, Champlin, MN 55316, with a January 1996 start date. The company handles both commercial (business-to-business) and consumer collections and describes itself as a licensed collection agency. It displays ACA International and HIPAA compliance seals, which fits its healthcare client base.

Why Summit Account Resolution May Be Contacting You

Summit's consumer page says it was hired by the original creditor to help resolve a past-due account, that it does not own the debt, and that it does not create or change the balance. On its home page, Summit lists the consumer creditors it serves:

• healthcare practices such as family practice, pediatrics, emergency medicine, radiology and surgeons, plus dental offices;
• utilities, education providers, home service companies and auto rental companies;
• residential property managers, professional service firms and veterinary clinics.

A letter, call, text or email from Summit is therefore often about a bill from a local provider, such as a radiology charge after an ER visit, a dental balance, a vet bill or charges from a former landlord. Summit's consumer number is (888) 212-2021, and it takes online payments through its payment portal.

How to Check a Debt Summit Account Resolution Says You Owe

With small-provider accounts, the best evidence is usually in your own insurance and payment records.

• Keep the validation notice. It must identify the creditor and the amount, itemize changes since the itemization date and state your dispute deadline (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
• Dispute in writing if something is off. Summit's site lets you select "Dispute" on its contact form, but a written dispute mailed within the validation period is what triggers the FDCPA's verification requirement. Keep a copy.
• Get the provider's itemized bill. Separate bills from radiologists, anesthesiologists and ER physicians are common; make sure each charge matches a service you received and that insurance was billed.
• Confirm the creditor still owns it. Summit says it never owns the accounts it collects; the notice should name the provider.
• Check the age of the bill. Texas generally gives four years to sue on a consumer debt (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on a time-barred one (Tex. Fin. Code § 392.307). Other states set their own periods.

What Summit Account Resolution Can and Can't Do

Because it collects debts owed to its clients, Summit is a "debt collector" under 15 U.S.C. § 1692a(6) for consumer accounts. Things to know with the bills it handles:

• Texas health care facilities must send an itemized bill before pursuing collection; see our SB 490 update.
• Under the credit bureaus' current policies, paid medical collections and those under $500 should not appear on your credit report (details here).
• Texts and emails from a collector must include a simple way to opt out (12 C.F.R. § 1006.6(e)), and calls are presumed excessive above seven in seven days for one debt (12 C.F.R. § 1006.14(b)(2)).
• It may not add a collection fee unless your agreement with the provider or the law allows it (15 U.S.C. § 1692f(1)).

We did not find an enforcement action against Summit A*R in the CFPB's enforcement actions list, the FTC's case database, the Connecticut Department of Banking's 2016–2026 consumer credit orders, California DFPI enforcement records or the New York DFS enforcement actions list, which we checked in November 2026. If you think Summit crossed a line, 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 Summit Account Resolution 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

• Summit A•R: home page
• Summit A•R: Received a letter, call, text or email?
• BBB business profile: Summit A*R (address and start date)
• CFPB Consumer Complaint Database: Summit A*R, Inc., debt collection

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