Receiving a call from AIH Receivables is a particular kind of unsettling. Their specialty is medical debt and there is something about being pursued for a hospital bill that cuts differently than a credit card collection call. You may be recovering from an illness, dealing with an insurance dispute, or managing a family member’s medical expenses. The last thing you need is a collector leaving vague voicemails, contacting your employer, or threatening wage garnishment before you have even confirmed whether the debt is legitimate.
At Consumer Rights Law Firm PLLC, we have been handling debt collection harassment cases since 2010, and we hold a 5-star rating with the Better Business Bureau because we understand that context matters. AIH Receivables has operated for over three decades, and they position themselves as trained, HIPAA-compliant, and FDCPA-adherent. But the documented consumer complaint record six CFPB complaints, a BBB failure to respond, and federal litigation history with multiple court opinions tells a more complicated story. This guide gives you the verified facts.
What Is AIH Receivables? Understanding the Company Behind the Call
AIH Receivables is a real, long-operating Kansas debt collection agency that specializes in medical debt but its documented practices involving employer contact, wage garnishment threats, and vague voicemails have generated federal litigation and regulatory complaints that consumers deserve to know about.
AIH Receivables traces its origins to the Association of Independent Hospitals, a cooperative of smaller regional hospitals in the Kansas City area that collectively managed debt recovery for member facilities. On July 20, 1992, the collections operation spun off into its own entity. In 1999, it relaunched under its current business model as AIH Receivables, targeting not just hospital debt but expanding into bank debt, financial services, and municipalities. The BBB opened a file on the company on April 22, 2008.
Verified Company Information:
- Full Legal Name: AIH Receivable Management Services, Inc.
- Also Known As: AIH Receivables, AIH Services
- Business Started: July 20, 1992 (relaunched in 1999)
- BBB File Opened: April 22, 2008
- Manager: Libby Hancock
- Headquarters: 5800 Foxridge Dr, Suite 105, Shawnee Mission, KS 66202-2335
- Mailing Address: P.O. Box 70, Mission, KS 66201
- Primary Phone: (913) 535-1000
- Website: aihkc
- BBB Accredited: No, AIH Receivables is not BBB accredited
- BBB Rating: No rating assigned BBB also notes a failure to respond to 1 complaint
- CFPB Complaints: 6 documented, all under the category of debt collection
- Federal Lawsuits: Confirmed federal litigation in the District of Kansas, with at least one case proceeding through trial
- Collection Software: FACS (Ontario Systems) computerized collection management system
- Skip Tracing: Acollaid database one of the nation’s largest automated skip tracing systems
- Credit Reporting: Automatically reports delinquent accounts with balances over $50 to major credit bureaus
- Contact Method: Both dialer campaigns and manual calls confirmed on official website
- HIPAA Compliance: Yes, they handle healthcare receivables
- ACA Certified: Collectors receive certification from the Association of Credit and Collection Professionals (ACA International)
â AIH Receivables â Better Business Bureau Profile
In our practice, a company that openly discloses using both an automated dialer system and one of the nation’s largest skip tracing databases while simultaneously claiming HIPAA compliance and FDCPA adherence creates a tension worth examining closely. Automated dialers and skip-traced numbers are exactly the combination that generates TCPA exposure, because the numbers being called through those systems often were never provided by the consumer to the original healthcare creditor.
What Type of Debt Does AIH Receivables Collect?
AIH Receivables collects primarily for hospitals, medical practices, and banks but has expanded its client base to include financial services companies and municipalities, meaning the debt behind their call can come from a wider range of sources than consumers typically expect.
According to their official website at aihkc.com, AIH Receivables was originally built exclusively around medical debt recovery, they descended from a hospital cooperative, and healthcare remains their primary industry. Their current documented client types include:
- Hospitals and healthcare systems
- Medical practices and outpatient providers
- Banks and financial institutions
- Financial services companies
- Municipalities
Why Is AIH Receivables Calling You?
Is AIH Receivables a Scam?
No, AIH Receivables is a legitimate, registered business not a scam but the company is not BBB accredited, carries no BBB rating, and has failed to respond to at least one formal BBB complaint, which is itself documented on their profile.
Known AIH Receivables phone numbers reported by consumers:
- (913) 535-1000 â Primary listed number
- Other Phone Numbers: 913-237-6428, 888-977-1988, 800-666-4609, 800-666-4606
- Local Mission/Shawnee Mission, KS area codes may also appear
What Do Consumer Complaints Say About AIH Receivables?
The CFPB has received six complaints against AIH Receivable Management Services, all categorized under debt collection, and the sub-issues documented across those complaints paint a consistent picture of conduct that our attorneys recognize as legally significant.
â AIH Receivables â Better Business Bureau Profile and Complaint Record
CFPB Complaint Pattern: Six Complaints, All Debt Collection, Multiple FDCPA Sub-Issues
According to the documented CFPB complaint record, all six complaints against AIH Receivable Management Services fall under the debt collection category. The sub-issues identified across those filings include:
- Collecting debts that had already been paid: Consumers report AIH Receivables pursuing balances that were satisfied with the original creditor, with no record of the payment being communicated to AIH
- Failure to verify debts with proper documentation: Consumers state that when they requested proof of the debt, AIH was unable or unwilling to provide adequate verification
- Harassing phone calls to both the consumer and their employer: A documented pattern that raises simultaneous FDCPA violations under both the harassment prohibition and the workplace contact restriction
- Abusive and threatening language: Consumers describe communication that crossed from debt collection into intimidation
Our attorneys at Consumer Rights Law Firm PLLC evaluate these complaint categories systematically rather than individually, because the combination is legally more significant than any single violation. A collector who calls your employer, uses threatening language, pursues a debt you believe is paid, and refuses to verify â within the same collection effort â may have committed four separate FDCPA violations against one consumer. Each of those violations is independently actionable.
- Employer contact complaints
Clients frequently report AIH Receivables contacting them at work. Under the Fair Debt Collection Practices Act § 805(a)(3), collectors must stop workplace calls if the employer prohibits them, and discussing the debt with an employer may violate § 805(b). These calls can create real professional and privacy harm. - Failure to respond to BBB complaints
AIH Receivables has been noted as not responding to at least one BBB complaint. While not automatically illegal, it reflects a broader pattern of limited engagement with consumer disputes. - Calls after Chapter 7 bankruptcy
Reports of continued calls after bankruptcy filing raise serious issues under 11 U.S.C. § 362. Collection activity after a bankruptcy stay or discharge may lead to additional legal consequences beyond standard FDCPA claims.
What Calling Tactics Does AIH Receivables Use? What the Record and Clients Show
Based on the CFPB complaint record, the documented federal litigation, and what clients describe to our firm, AIH Receivables uses a set of contact tactics that individually and in combination may constitute FDCPA violations.
Has AIH Receivables Been Sued? What the Federal Court Record Shows
Yes, AIH Receivable Management Services has been named as a defendant in federal court litigation in the District of Kansas, with at least two documented federal cases including one that proceeded through trial.
Case 1: Hudson v. AIH Receivable Management Services, Inc.
Case No.: 2:2010cv02287 Court: U.S. District Court, District of Kansas Assigned Judge: District Judge Julie A. Robinson; Magistrate Judge Kenneth G. Gale Filed: 2010 Key Orders:
- January 21, 2011: Magistrate Judge Gale granted motion to compel discovery
- March 9, 2012: Judge Robinson granted in part and denied in part AIH’s motion for summary judgment meaning some of the consumer’s claims survived for trial
- October 29, 2012: Judge Robinson denied AIH’s post-trial motions for judgment as a matter of law and for a new trial meaning the consumer prevailed at trial and AIH’s attempts to set aside the verdict failed
Source: Justia: Hudson v. AIH Receivable Management Services, Document 224 (2012)
The Hudson case is the most significant in AIH Receivables’ litigation history for one reason that our attorneys point to directly: it went to trial and AIH lost. Judge Robinson’s denial of AIH’s motion for judgment as a matter of law on October 29, 2012 means the evidence at trial was sufficient for the jury or factfinder to find against AIH and the denial of a new trial means the court found no grounds to disturb that outcome. The case progressed from 2010 through 2012, generating multiple significant court orders, and the consumer ultimately prevailed. In our practice, a case that runs that full course, discovery, summary judgment, trial, post-trial motions is not a nuisance claim that got dismissed. It reflects a substantive finding of liability.
Case 2: Gormly v. AIH Receivable Management Services, Inc.
Case No.: 2:15-cv-09163 Court: U.S. District Court, District of Kansas Filed: 2015
Source: CourtListener: Gormly v. AIH Receivable Management Services, Inc.
This case is the most specifically documented of the AIH Receivables federal matters, with a named plaintiff whose experience has been described in consumer law publications. Matthew Gormly was contacted by AIH Receivables about an alleged debt with Metcalf Bank. AIH left multiple messages without identifying the specific debt owed only requesting a callback to “resolve the alleged debt.” AIH then contacted Gormly’s family and employer to discuss the debt. When Gormly answered the one call he picked up, AIH threatened him with wage garnishment. Gormly pursued legal action for FDCPA violations.
The violations alleged in the Gormly case cover three of the most fundamental FDCPA prohibitions:
- Leaving vague messages without proper debt disclosure potential Section 807(11) violation
- Contacting employer and family members potential Section 805(b) violation
- Threatening wage garnishment potential Section 807(4) violation
In our firm’s experience, the combination documented in Gormly vague messages, third-party contact, and an illegal wage garnishment threat is one of the most complete FDCPA violation trifectas we encounter from a single collection effort. Any one of these three, properly documented, is actionable. All three together represent exactly the kind of case where our attorneys pursue every available legal remedy on the consumer’s behalf.
Additional Search Resources for AIH Receivables Federal Records
â CourtListener â AIH Receivable Management Services Cases
â Justia â AIH Receivable Management Services Dockets
The CFPB and Medical Debt Specifically: Context That Matters for AIH Receivables
AIH Receivables’ medical debt focus places them directly within the most scrutinized category of debt collection in the country. The CFPB has specifically targeted medical debt collectors in multiple formal actions and reports:
In October 2024, the CFPB issued an advisory opinion and enforcement guidance specifically addressing double billing and inflated charges in medical debt collection, warning that collecting on bills that include upcoded services, charges for services not received, or amounts that should be covered by insurance violates the FDCPA.
The CFPB’s 2023 annual FDCPA report noted that medical debt complaints made up approximately 11% of all debt collection complaints received with specific issues including collectors pursuing bills already paid, bills eligible for financial assistance, and bills placed on credit reports without prior consumer notice.
What our attorneys observe is that when a medical debt collector like AIH Receivables is pursuing a hospital balance, the consumer’s first question should not be “how do I pay this” but “is this debt accurate, mine, and legally collectible.” The CFPB’s own research confirms that a significant proportion of medical debt collection involves incorrect amounts, bills covered by insurance or financial assistance programs, or debts that were discharged. Verifying before paying is not resistance, it is exactly what the law anticipates and protects.
What Are Your Rights When AIH Receivables Is Calling You?
Three federal laws protect you when AIH Receivables contacts you and because they specialize in medical debt and use both automated dialers and skip tracing, all three may apply simultaneously.
Fair Debt Collection Practices Act (FDCPA) 15 U.S.C. § 1692
- AIH Receivables cannot call more than 7 times in a 7-day period, or within 7 days of a completed phone call about the same debt
- AIH Receivables cannot call before 8 a.m. or after 9 p.m. local time
- AIH Receivables must send written validation notice within 5 days of first contact, amount, original creditor name, and your 30-day right to dispute
- AIH Receivables must pause all collection if you dispute in writing within 30 days, calls and credit reporting must stop until they provide written verification
- AIH Receivables cannot threaten wage garnishment without a court judgment, this is a false and misleading representation under Section 807(4), directly documented in the Gormly case
- AIH Receivables cannot contact your employer once you state calls there are not permitted or discuss your debt with family members beyond narrowly defined location inquiries
- AIH Receivables cannot continue any collection contact after your Chapter 7 or Chapter 13 bankruptcy automatic stay has been triggered, violation of 11 U.S.C. § 362 is contempt of a federal court order
- AIH Receivables cannot leave vague messages that omit the required disclosure that the communication is from a debt collector
- AIH Receivables must stop all calls after receiving your written cease-and-desist
- You can sue in federal court for up to $1,000 per case in statutory damages plus actual damages emotional distress, lost wages from employer contact and attorney fees paid by AIH Receivables, not you
Telephone Consumer Protection Act (TCPA)
AIH Receivables admits on their own website to using automated dialer campaigns and the Acollaid skip tracing database. This combination creates direct Telephone Consumer Protection Act (TCPA) exposure:
- AIH Receivables cannot auto-dial your cell phone without your prior express written consent, consent to the original hospital does not extend to numbers obtained through skip tracing
- Each unauthorized automated call carries $500 to $1,500 per call in statutory damages
- Under the FCC’s April 2025 rules, you can revoke consent through any reasonable means including saying “stop” during a call and every subsequent automated contact after revocation is a willful $1,500-per-call violation
Fair Credit Reporting Act (FCRA) 15 U.S.C. § 1681
AIH Receivables automatically reports accounts over $50 to the credit bureaus. When that reporting is inaccurate, the FCRA provides direct remedies:
- AIH Receivables cannot report inaccurate information including balances that include billing errors, amounts covered by insurance or hospital assistance programs, or debts discharged in bankruptcy
- Medical collection accounts under $500 were removed from credit reports by Equifax, Experian, and TransUnion starting April 2023. AIH Receivables cannot continue reporting accounts that fall under this threshold
- Collection accounts expire 7 years from the original date of first delinquency not from when AIH Receivables received the account
- You can dispute any inaccurate entry with all three bureaus and with AIH Receivables as the furnisher both must investigate within 30 days and remove information that cannot be verified
How to Stop AIH Receivables From Calling You
Step 1
Build your documentation file before anything else. Screenshot your complete call log with every AIH Receivables call, dates, times, and numbers. Save every voicemail, especially ones that are vague about the debt or only ask you to call back. Note whether each call was live or automated (pause after pickup is a common indicator of an auto-dialer). Flag any call before 8 a.m. or after 9 p.m. Note if any call was to your workplace, a family member, or a number you did not provide to the original creditor. What our clients tell us every time is the same thing: they wish they had started documenting from the very first call.
Step 2
Send a written cease-and-desist letter by certified mail with return receipt:
AIH Receivable Management Services, Inc. 5800 Foxridge Dr, Suite 105 Shawnee Mission, KS 66202-2335
Also send to:
AIH Receivable Management Services, Inc. P.O. Box 70 Mission, KS 66201
State clearly that you revoke any consent to phone contact and demand all telephone communication stop immediately. Retain your USPS tracking receipts and confirmed delivery confirmations. Every AIH Receivables call after delivery is a potential independent FDCPA violation.
Step 3
Send a written debt validation request at the same time. Under FDCPA § 809(b), if sent within 30 days of first contact, AIH Receivables must stop all collection activity including credit bureau reporting until they provide written verification of: the amount owed, the name of the original creditor (the hospital or bank), and documentation establishing the debt belongs to you. For medical debt, this documentation should include an itemized bill, insurance payment records, and evidence that the amount being collected has not been covered by insurance or financial assistance.
Step 4
If you have filed for bankruptcy, contact our firm immediately. Do not rely on AIH Receivables to check bankruptcy records on their own. Have your attorney or our firm send written notice that includes your bankruptcy case number and the date of your discharge or automatic stay. Any call after confirmed receipt is a potential bankruptcy automatic stay violation in addition to an FDCPA claim.
Step 5
File official complaints:
- FTC
- FCC
- CFPB
- BBB
- Kansas Attorney General Consumer Protection
Step 6
Contact Consumer Rights Law Firm PLLC at (877) 700-5790 for a free case review. If AIH Receivables threatened wage garnishment, contacted your employer or family, left vague messages without debt disclosure, used an automated dialer on your cell phone, reported to credit bureaus inaccurately, continued calling after a bankruptcy filing, or continued after a stop request, we handle every one of these situations, at no upfront cost in most circumstances. The FDCPA and TCPA require AIH Receivables to pay attorney fees when they violate the law.
CONSUMER RIGHTS LAW FIRM PLLC
Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Our experienced attorneys are proactive and knowledgeable in handling consumer rights cases, ensuring that your rights are protected. Rather than suffer alone, contact our office to begin the process to stop the AIH Receivables harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau and are prepared to take your case to court, including the US Supreme Court, if necessary.
If you are interested in learning more about how to safeguard yourself and prevent even more harassment from AIH Receivables, call us at 877-700-5790 for immediate assistance or visit our website.
Success Stories
- This company really helped so much. They never asked me for any money out of pocket. I paid nothing! They were so nice and helpful. They called me personally assured me they would handle everything at no cost to me. They communicated every step of the way and were always available for any questions I had. I will recommend them to anyone
- Scott and Derek did the impossible. I went from freaked out and terrified to settled in a matter of 2 days at a payment I could actually afford… Barely but I can afford it LOL. My best advice is to not mess up a loan but if you do these are the guys to contact.
- Absolutely wonderful experience. Did not have to pay anything out of pocket and Scott was great to deal with. Helped me out of a major jam and am very pleased with the results that were achieved.
FAQs
Is AIH Receivables a legitimate debt collector or a scam?
AIH Receivables is a legitimate third-party debt collection agency, operating since the early 1990s. However, if youâre contacted, always verify the debt in writing to protect against scams.
What constitutes harassment by AIH Receivables?
Under the FDCPA, harassment includes repeated calls, obscene language, threats of violence, or contacting third parties. Many consumers report AIH making early/late calls, multiple calls per day, and workplace contacts.
How often can AIH Receivables legally call me?
Debt collectors canât call before 8 AM or after 9 PM without permission, and they canât call more than seven times in seven days for the same debt.
Can AIH Receivables call my family, friends, or coworkers?
They may contact third parties only to obtain your contact infoânot to discuss your debt. Revealing your debt to others is illegal.
What should I do if AIH Receivables keeps calling me?
Document time, date, content of each call, then send a written cease-and-desist letter. If calls persist, file complaints with the FTC or CFPB and consider legal help.
Can I sue AIH Receivables for harassment?
Yes. Under the FDCPA, you may recover up to $1,000 plus any actual damages and attorney fees if they violate your rights.
Does AIH Receivables use robocalls or spoofed numbers?
Yesâmany consumers report robocalls or spoofed phone numbers. Automated calls without consent may violate the TCPA.
Can AIH Receivables affect my credit score?
Yes. They can report delinquencies to credit bureaus, which may drop your credit score. You can dispute any errors with the credit reporting agencies.
How do I dispute a debt with AIH Receivables?
Within 30 days of first contact, send a written dispute/validation letter requesting proof. They must stop collection until they provide verification.
What if AIH Receivables has sued me or garnished my wages?
They can sue to obtain a court judgment and then garnish wages or bank accounts. Respond quickly to any lawsuit and consider legal counsel.
