Accelerated Receivables Management, Inc. Phone Harassment?

The debt behind an Accelerated Receivables Management call is almost always a medical bill, and often one that should never have reached you in the first place. This company works receivables for hospitals and medical practices, with a heavy concentration on workers’ compensation injuries and no-fault auto-accident treatment. Those are exactly the kinds of bills that an insurer, a workers’ comp carrier, or an auto policy is supposed to pay, not the patient. If you are getting calls over a treatment that an accident claim or a work injury should have covered, or over a balance you already cleared, the question is not just how to pay, it is whether you owe anything at all.

Consumer Rights Law Firm PLLC has been standing up to collection harassment since 2010 and holds an A+ rating with the Better Business Bureau. Reach the office at (877) 700-5790 or start a free case review. When a collector breaks the rules, our fee comes from them, so you pay nothing out of pocket.

Quick Facts About Accelerated Receivables Management

Are the Calls From Accelerated Receivables Management Legal?

If a valid medical debt has been placed with Accelerated Receivables Management, it may contact you to collect. What matters is whether the debt is truly yours to pay and whether the company follows the rules. Because it collects on behalf of medical providers rather than owning the care it bills for, the Fair Debt Collection Practices Act (FDCPA) governs its conduct, and medical debt carries its own extra layer of protections that most collectors would rather you did not know about.

Situations where a call or letter may be crossing a line include:

• Billing you for treatment of a workplace injury that workers’ compensation is supposed to cover.
• Chasing you personally for auto-accident care that your no-fault or medical-payments coverage should pay.
• Continuing to call after a bill was already paid and the balance is zero.
• Reporting a small or paid medical collection to the credit bureaus in violation of current medical-debt reporting limits.
• Refusing to provide an itemized bill or written validation after you ask.
• Automated or recorded calls to your cell phone that you never agreed to receive.

When clients come to us about a medical collector, our attorneys ask a question the bill rarely answers: who was actually responsible for paying this, the patient or an insurer. In our practice, workers’ comp and accident-related medical bills are among the most frequently misrouted debts, which means the person getting the call often owes nothing.

Who Is Accelerated Receivables Management and Why Are They Calling You?

Accelerated Receivables Management, Inc. is a Florida-based collection agency operating out of Jacksonville, and it is closely tied to Accelerated Receivables Management Solutions, LLC, an entity that describes its purpose as helping hospitals and medical practices process and collect their receivables, with a focus on workers’ compensation and no-fault auto-accident claims. In everyday terms, this is a healthcare collector, and much of what it pursues traces back to an injury, a hospital stay, or an emergency-room visit rather than a credit card.

A call from this company usually means a medical provider handed your account over. What the call tends to skip is the question of coverage. Care for a job injury is generally the responsibility of the workers’ compensation insurer, and medical treatment after a car crash is often covered by no-fault or medical-payments benefits on the auto policy. We frequently see bills like these land on a patient who was never supposed to be billed at all, either because the claim was mishandled, the provider billed the wrong party, or the balance was already resolved.

The Workers’ Comp and No-Fault Bill Problem

This is the core issue with an Accelerated Receivables Management account, so it is worth slowing down on. When you are hurt on the job, the workers’ compensation system is designed so that the carrier pays your medical providers directly, and you are generally not supposed to be balance-billed for treatment of a compensable injury. Similarly, when you are injured in a car accident, no-fault or medical-payments coverage is meant to handle the medical bills up to the policy limits, with the auto insurer as the payer rather than you.

When a collector like this one bills the patient anyway, something has gone wrong upstream, a claim was denied or delayed, the provider sent the bill to the wrong place, or the account was never coded to the right insurer. Paying it yourself can leave money on the table that an insurer owed. When clients come to us with a workers’ comp or accident-related medical collection, the first move is usually to route the bill back to the correct carrier and to demand, in writing, that the collector prove you are personally responsible for it.

Is Accelerated Receivables Management a Scam or a Legitimate Company?

Accelerated Receivables Management is a real, established collection business, not a scam, and independent finance sites that catalog debt collectors describe its related Solutions entity as a legitimate agency that collects medical and other debts through letters, calls, and credit reporting. So a call tied to an actual medical account is a genuine collection effort rather than a con.

Legitimacy, though, does not answer the two questions that actually matter here: whether the bill was the patient’s to pay, and whether it was already handled by insurance or paid off. The Jacksonville company did not respond to the Better Business Bureau’s request for basic information, which is why that profile carries no rating, and its related entity has drawn multiple complaints. A collector that stays quiet with the Bureau but keeps calling consumers is one to make prove its claim before you pay anything.

Accelerated Receivables Management BBB Complaints

Source: Better Business Bureau

The Better Business Bureau lists the Jacksonville Accelerated Receivables Management as not accredited and without a rating, noting that the company did not answer the Bureau’s request for basic business information. The related Accelerated Receivables Management Solutions profile has accumulated several complaints in recent years, and the theme running through consumer reports is a familiar one for a medical collector.

The pattern that recurs is contact over a bill that was already paid. Consumers describe an account that was brought to a zero balance, followed by repeated calls insisting the debt was still owed, even after they told the company more than once that nothing was outstanding. For a medical collector working accident and injury files, that lines up with the coverage problems above: a bill an insurer already covered, or a balance long since cleared, that keeps generating calls. You can also review complaints about the company in the CFPB Consumer Complaint Database.

Tactics and Patterns Consumers Report

Drawing on the company’s Better Business Bureau record and the way medical collectors of this type operate, here are the specific patterns worth recognizing. These are cautions, offered so you can spot a problem:

• Billing a patient directly for treatment of a work injury that workers’ compensation should cover.
• Pursuing a person for auto-accident medical care that no-fault or medical-payments coverage was supposed to pay.
• Calling repeatedly about a bill that has already been paid to a zero balance.
• Failing to respond to the Better Business Bureau while continuing to press consumers by phone.
• Not providing an itemized medical bill or written validation when a consumer requests it.
• Reporting a paid or small medical collection to the credit bureaus despite current medical-debt reporting limits.

If even one of these matches your situation, that is the point to stop paying attention to the phone and start building a written, documented record.

Lawsuits Against Accelerated Receivables Management

1. Federowicz v. Accelerated Receivables Management, Inc.

Case No.: 1:09-cv-00472
Court: U.S. District Court, Western District of New York
Filed: 2009

Julie Federowicz sued Accelerated Receivables Management, Inc. and Accelerated Receivables under the Fair Debt Collection Practices Act (FDCPA). The case involved allegations concerning debt-collection communications, including alleged repetitive/harassing telephone contacts and threats of legal action. The plaintiff sought to amend her complaint to assert additional FDCPA violations under 15 U.S.C. §§ 1692c(a)(2), 1692d(6), and 1692e(10).

The court allowed the plaintiff to pursue the proposed FDCPA claims but dismissed a separate New York General Business Law § 349 theory concerning debt-collection conduct. The case therefore involved substantive FDCPA allegations against Accelerated Receivables Management.

Source: Federal court record

2. Bergey v. Accelerated Receivables Management, Inc.

Case No.: 1:10-cv-00401
Court: U.S. District Court, Western District of New York
Filed: 2010

Erin Bergey filed a federal lawsuit against Accelerated Receivables Management, Inc. The company was the defendant in the action. The federal court record shows that Accelerated Receivables moved for summary judgment, and the court ultimately granted the motion to the extent it sought summary judgment and ordered the case closed on December 1, 2011.

Source: Federal court order

Your Legal Rights When Accelerated Receivables Management Is Calling You

• FDCPA (Fair Debt Collection Practices Act): As a third-party medical collector, this company must follow the federal law. It bars harassment, false statements, and collecting amounts you do not owe, and it gives you the right to demand written validation, including an itemized bill.
• Workers’ Compensation Protections: In the workers’ comp system, the carrier is generally responsible for paying providers for a compensable injury, and an injured worker is typically not liable for balance billing on that care. A collector pursuing you for a covered work injury may be chasing the wrong party.
• No-Fault and Medical-Payments Coverage: Medical bills from a car accident are frequently payable by no-fault or medical-payments benefits on the auto policy. Care that coverage should handle generally belongs with the insurer, not you.
• Medical Debt Credit Reporting Limits: The national credit bureaus no longer report paid medical collections, do not report medical collections under $500, and wait a year before reporting unpaid medical debt. A medical collection reported outside those limits can be disputed.
• Florida Consumer Collection Practices Act: Florida’s collection law reaches both collectors and original creditors, adds protections beyond the federal statute, and requires consumer collection agencies to be registered with the state.
• TCPA and Itemized Billing: Automated or recorded calls to your cell phone without consent are restricted at $500 to $1,500 each, and you are entitled to an itemized statement of a medical bill so you can check it against your insurance.

Accelerated Receivables Management and Medical Debt Violations

The grid pairs prohibited conduct with the law behind it. These are examples of what the statutes forbid for any medical collector, not documented findings against this company.

How to Respond to Accelerated Receivables Management?

• Step 1: Trace the bill to the right payer. If the treatment was for a work injury, send the bill to your workers’ compensation carrier or your employer’s claims administrator. If it was for a car accident, forward it to your auto insurer’s no-fault or medical-payments unit. A bill routed to the correct insurer often disappears from your plate entirely.
• Step 2: Demand an itemized bill and written validation. Mail a certified letter to Accelerated Receivables Management, 4811 Beach Boulevard, Suite 100, Jacksonville, FL 32207, within thirty days of first contact, requiring an itemized statement, proof the debt is yours, and confirmation of who the original provider is. Collection has to pause until it responds, and the itemization lets you check the charges against your insurance explanation of benefits.
• Step 3: Prove any payment and confront a paid account. If the balance was already paid, gather your receipts, statements, and explanation-of-benefits records, and send them in writing. Given the paid-account complaints in the Bureau’s file, documenting a zero balance is often the quickest way to end the calls.
• Step 4: Protect your credit. If the account shows up on your credit report, check it against the medical-debt reporting limits, paid collections and sub-$500 medical collections should not be there, and dispute anything that is reported improperly to trigger a 30-day investigation.
• Step 5: Report it and get advice. File complaints with the FTC, the CFPB, and the Florida Attorney General. Or call Consumer Rights Law Firm PLLC at (877) 700-5790 or open a free case review. A proven violation puts the legal costs on the company.

Consumer Rights Law Firm PLLC

Consumer Rights Law Firm PLLC helps people who are being billed for medical care that workers’ comp or an auto policy should have covered, or who keep getting calls over a bill they already paid. The firm has handled collection-harassment cases since 2010, holds an A+ Better Business Bureau rating, and knows how to force a medical collector to itemize and prove its claim, route an injury bill back to the right insurer, and clean up a wrongly reported medical collection. Because federal and Florida law make a violating collector pay the legal bill, getting help costs nothing up front, and clients often see a misrouted or paid account resolved and the calls stopped.

If Accelerated Receivables Management is pressing you over a medical, work-injury, or accident bill, call (877) 700-5790 or reach the office online for a free look at your situation.

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