Balanced Healthcare Receivables LLC or BHR is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
What is Balanced Healthcare Receivables?
Balanced Healthcare Receivables LLC or BHR is a third-party collection agency based in New Hampshire that specializes in collecting delinquent healthcare receivables. BHR has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including attempting to collect debts not owed and illegal communication tactics. If you have been contacted by this debt collector, make sure you understand your rights before taking action.
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Is Balanced Healthcare Receivables a scam?
They’re legit. According to the Better Business Bureau (BBB), Balanced Healthcare Receivables, LLC is a legitimate collection agency founded and incorporated in 2007. The BBB established a profile page for BHR in 2009. BHR is listed as a collection agency with an estimated 76 total employees. Buzzfile estimates Balanced Healthcare Receivables’ annual revenue at $3.4 million and the size of its headquarters staff at 27 employees.
Who does Balanced Healthcare Receivables collect for?
Balanced Healthcare Receivables appears to collect exclusively on behalf of healthcare providers. According to its website, BHR “employs a healthcare-specific liquidation strategy that balances the need for respecting community goodwill with additional revenue capture from balances after insurance, self-pay (both non-delinquent and delinquent accounts), and third-party populations.” BHR’s “team consists of seasoned accounts receivable management (ARM) professionals from within the healthcare ARM space. Additionally, members of their management team have all come from privately held firms sold to venture-backed or publicly traded ARM firms.”
BHR’s services are comprised of three distinct divisions—primary collections, secondary collections, and consulting services. BHR’s primary collections division employs “representatives…specifically trained to resolve healthcare debt.” Their “secondary healthcare collections are inherently different from any other type of collection effort.” This division utilizes a “proven approach integrating their clients’ mission and adhering to the strictest code of ethics while employing technology and human resources to deliver results.” BHR’s consulting services utilize their “expertise and experience…to perform… due diligence for… clients regarding A/R projects or portfolios.”
BHR’s sister company is Active Healthcare Receivables, LLC (AHR). AHR “works active or first party receivables exclusively” while BHR “works delinquent receivables exclusively.”BHR cites affiliation with professional associations such as the International Association of Credit and Collection Professionals (ACA International). However, the BHR website does not provide any information about its regulatory compliance policies. There are no links or reference to consumer protection resources, laws, or enforcement agencies.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
How many complaints are there against Balanced Healthcare Receivables?
The BBB has closed 15 complaints against Balanced Healthcare Receivables in the preceding 3 years, with 6 complaints closed in the past 12 months. Most Of Those complaints alleged problems with billing and collections. Since March 2015, the Consumer Financial Protection Bureau (CFPB) has closed 7 complaints against BHR. Justia lists at least 3 cases of civil litigation involving BHR.
Can Balanced Healthcare Receivables Sue Me or Garnish My Wages?
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely BHR would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
Complaints against Balanced Healthcare Receivables commonly cite problems resulting from disputes about the validity of debts and questions about the legality of BHR‘s collection and communication tactics. In April 2018, a complainant indicated that she had received “numerous messages left on a shared phone… identifying the caller as a collections agency.” The complainant’s phone message allegedly stated clearly that the number was for a shared phone, but BHR disclosed information about the nature of their call anyway. Specifically, BHR’s messages “clearly identify… the complainant as the debtor and that they are calling about a debt.” The complainant stated that she called BHR and spoke with a representative “who refused to identify the company or what they do.” She asked to be transferred to a supervisor, who “verified the complainant’s date of birth and address…then disclosed all the debt info without giving her the mini Miranda.” The complainant spoke to the supervisor about the voicemail “messages but she insisted the complainant was wrong, and when the complainant mentioned the mini Miranda and how they have bad business practices, the supervisor got angry.” The complainant concluded by stating that she “no longer needed to speak to them… and that they have numerous FDCPA violations.” In response, BHR stated that they “will be pulling the recordings and investigating the calls.” They also stated that they “have reviewed the complainant’s accounts and they were not reported by BHR to any credit bureaus, … so they have closed them…and will notify their clients that they will no longer work these accounts.”
In February 2018, a complainant indicated that he had been receiving “threatening and harassing phone calls by an automated system to his cell phone to collect a non-existent debt.” Allegedly, Balanced Healthcare Receivables had “been calling him multiple times a month for over a year, using different numbers each time.” However, the complainant insisted that he has “no medical debt… and that BHR … needs to stop or he will contact a lawyer.” In response, BHR stated that they had “two accounts for the complainant placed by different clients.” BHR indicated that they had “placed the current accounts in a do-not-call status,” and instructed the complainant to contact them with any questions.
Also, in 2020, a suit was filed in United State District Court EASTERN DISTRICT OF NEW YORK (Rosenberg v. Balanced Healthcare Receivables, LLC) claiming Balanced Healthcare Receivables had violated many statutes of the FDCPA in an attempt to collect a debt from a consumers.
Balanced Healthcare Receivables Calling You?
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
Can I sue BHR for harassment?
Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
“After a few months of frustration with a debt collector, I eventually called Lemberg Law. It was among the best financial decisions I have ever made. Jody and her staff were comprehensive, useful, and above all else powerful. I highly recommend their services and thank them for their continual efforts.”
“When my husband got sick and lost his job, I understood that paying all of the medical bills was going to be an issue. What I didn’t understand was that we’d be bombed with telephone calls day and night. I found your site and was contacted the same day that I submitted my advice. You did not charge me, you got cash from the collector, and we finally have silent phones. Thank you for what you did for us!”
“We were so impressed with how the attorney listened to us and understood the position we were in. Thank you for stopping the calls. The check was a nice bonus, but mostly we’re glad we’re not being hounded anymore.”
“Thank you for standing with me Lemberg Law. I was so afraid I could lose my job because of a caller who called my job number 4 hours straight back to back. He not only harassed and threatened me but also abused workmates who received the call when I wasn’t around. Since I solicited for your services, I’ve had a peace of mind, and I’m happy because of the few dollars I got as a settlement.”
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About the Author:
Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. He has been repeatedly recognized as the “most active consumer attorney” in the country. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.