Balanced Healthcare Receivables Debt?

Balanced Healthcare Receivables LLC Debt Collection Harassment

Are you tired of harassing calls from Balanced Healthcare Receivables? You do not have to actually owe a debt to receive relentless calls from this debt collection agency. The calls can come unexpectedly talking about a medical bill you don’t recognize, a deceased family member’s debt, or even asking for contact information for someone else. If these calls are becoming frequent, intimidating, or disruptive, you’re experiencing what many consumers face: medical debt collection harassment. This guide will help you understand your rights, recognize illegal tactics, and take control to stop the harassment and protect your financial freedom.

What Is Balanced Healthcare Receivables?

Balanced Healthcare Receivables LLC is a third-party debt collection agency based in Nashua, New Hampshire, that specializes in collecting medical and healthcare-related debts. When hospitals, clinics, or healthcare providers are unable to collect unpaid bills, they often sell or assign these debts to agencies like Balanced Healthcare Receivables. The agency then contacts patients or their responsible parties to attempt to collect the outstanding balance.

Address: 164 Burke Street, Suite 201, Nashua, NH 03060
Primary Phone: (866) 914-1659
Other Reported Numbers: (603) 881-9800, (844) 265-3589

Is Balanced Healthcare Receivables a Legit Company?

Yes, Balanced Healthcare Receivables is a legitimate, registered debt collection agency, not a scam operation. According to the Better Business Bureau (BBB) profile, the company has been in business since 2007. However, being a legitimate business does not mean they always operate within legal boundaries. Legitimate collectors can and do cross into illegal harassment, which is why knowing your rights is essential.

Balanced Healthcare Receivables LLC Reviews

Public records and consumer reviews reveal patterns that potential clients should be aware of. The company has a mixed reputation, with several concerning trends noted by consumers:

• BBB Profile: The company has been BBB accredited since 2011 but has accumulated 14 closed complaints in the last three years. Common complaint themes include “billing/collection issues” and “problems with product/service.”

• Legal History: As evidenced by cases found on PACER (the federal court records system), Balanced Healthcare Receivables has been sued multiple times for alleged violations of the Fair Debt Collection Practices Act (FDCPA). These cases suggest a pattern of consumer disputes regarding their collection practices.

Why Balanced Healthcare Receivables Calls Become a Problem

Medical debt collection presents unique challenges that often lead to problematic communication:

1. Complex Billing: Medical bills involve insurance, codes, and complex explanations of benefits that even healthcare providers frequently get wrong. When these potentially incorrect bills go to collections, consumers are pursued for debts they may not actually owe.

2. Emotional Nature: Medical debt is often tied to sensitive health issues, making aggressive collection tactics particularly distressing.

3. High Volume: Healthcare providers frequently sell debt in bulk, leading collectors to pursue many accounts simultaneously, sometimes without proper verification of each debt’s validity.

How Medical Debt Leads to Aggressive Collection

The healthcare collection industry operates under intense pressure. Medical providers sell delinquent accounts for pennies on the dollar, and collectors profit by recovering as much as possible. This financial incentive can lead to:

• High call volumes to maximize contact attempts

• Pressure tactics to secure quick payments

• Pursuit of debts without thorough validation

• In some cases, violation of consumer protection laws

Balanced Healthcare Receivables Phone Number

The primary contact number for Balanced Healthcare Receivables is (866) 914-1659. However, they may also call from:

• (603) 881-9800

• (844) 265-3589

If you’re receiving calls from these phone numbers multiple times per day, before 8 AM or after 9 PM, or if the caller is using threatening language, you may be experiencing illegal harassment.

Balanced Healthcare Receivables Complaints

A review of consumer complaints reveals common issues:

Typical Complaint Patterns:

• Excessive Call Frequency: Multiple daily calls, sometimes back-to-back

• Communication with Third Parties: Discussing debts with family members, employers, or neighbors

• Threats and Intimidation: Threats of legal action, credit damage, or wage garnishment

• Failure to Validate Debts: Continuing collection efforts without providing proof of the debt’s validity

• Calls at Inconvenient Times: Contact outside the legally permitted hours of 8 AM to 9 PM

Legal Action History:

The company has been named in multiple FDCPA lawsuits, including:

These cases typically allege violations including harassment, false representations, and failure to properly validate debts.

Your Rights When Dealing With Balanced Healthcare Receivables LLC

You have significant legal protections when dealing with any debt collector, including Balanced Healthcare Receivables. Key rights include:

The Right to Verification: Within five days of first contacting you, they must send a written notice detailing the debt amount, the creditor’s name, and your right to dispute the debt.

The Right to Dispute: You have 30 days to request verification of the debt in writing. During this period, they must cease collection efforts until they provide proof.

The Right to Privacy: They cannot discuss your debt with third parties (except your spouse or attorney) or call you at work if you’ve told them not to.

The Right to Be Free from Harassment: The law prohibits abusive, oppressive, or harassing conduct.

Understanding these rights is crucial, but enforcing them can be challenging. If you’re facing persistent harassment from Balanced Healthcare Receivables, consider reaching out to Consumer Rights Law Firm PLLC for guidance on protecting your rights effectively.

What the Law Says About Debt Collection Harassment

The primary law governing debt collection is the Fair Debt Collection Practices Act (FDCPA), enforced by the  (CFPB) and the Federal Trade Commission (FTC). Key provisions relevant to Balanced Healthcare Receivables include:

Prohibited Conduct Under the FDCPA:

• Harassment or abuse (15 U.S.C. § 1692d)

• False or misleading representations (15 U.S.C. § 1692e)

• Unfair practices (15 U.S.C. § 1692f)

• Communication at inconvenient times or places (15 U.S.C. § 1692c)

Penalties for Violations:
If Balanced Healthcare Receivables violates the FDCPA, you may be entitled to:

• Up to $1,000 in statutory damages

• Compensation for actual damages (emotional distress, lost wages, etc.)

• Payment of your attorney’s fees and court costs

Signs of Balanced Healthcare Receivables Debt Collection Harassment

Recognize these red flags that may indicate illegal behavior:

Clear Violations:

• Excessive Calls: Multiple calls per day, especially if they’re intended to annoy or harass

• Abusive Language: Use of profanity, insults, or threats

• False Threats: Claims of immediate lawsuit, arrest, or wage garnishment

• Third-Party Disclosure: Discussing your debt with family, friends, or coworkers

• Time Violations: Calls before 8 AM or after 9 PM in your time zone

Borderline Tactics That May Be Illegal:

• Vague Threats: “This will go to our legal department”

• Misrepresentation: Implying they’re attorneys or government officials

• Continuous Calling: Calling back immediately after you hang up

• Ignoring Dispute Requests: Continuing to call after you’ve requested debt validation

What To Do If Balanced Healthcare Receivables Is Harassing You

Follow this step-by-step approach to protect yourself:

Immediate Response Protocol:

1. Stay Calm and Gather Information: Note the date, time, phone number, and collector’s name.

2. Request Written Validation: Say, “I am requesting written validation of this debt. Please send all information to my address on file.”

3. Set Communication Boundaries: Clearly state if calls to your workplace are prohibited.

4. Document Everything: Keep detailed records of every interaction.

Next Steps:

5. Send Formal Letters: Use certified mail with return receipt requested for:

   • Debt validation request (within 30 days of first contact)

   • Cease and desist demand (if calls continue)

6. File Complaints: Report violations to:

   • (CFPB)

   • Federal Trade Commission (FTC)

   • New Hampshire Attorney General’s Office

7. Consult Legal Help: If harassment continues, contact a consumer rights attorney.

How To Prove Balanced Healthcare Receivables Harassment

Effective documentation is critical for building a strong case. Use this log template:

Evidence That Strengthens Your Case

Collect and preserve:

• Call logs showing frequency and timing

• Voicemail recordings with threats or abusive language

• Written correspondence from Balanced Healthcare Receivables

• Certified mail receipts proving they received your letters

• Witness statements if third parties were contacted

• Notes detailing each conversation

Important: New Hampshire is a one-party consent state for recording conversations. You may legally record calls without informing the collector.

Verify the Caller: Step-by-Step Safety Guide

With increasing scams, verification is essential:

Step 1: Initial Verification

• Ask for the collector’s full name and employee ID

• Request the company’s complete name and address

• Get the name of the original creditor and account number

• Do not provide personal or financial information

Step 2: Independent Confirmation

• Verify the company’s address matches: 164 Burke Street, Suite 201, Nashua, NH 03060

• Check the BBB profile for Balanced Healthcare Receivables

• Contact the original healthcare provider directly

• Never call back numbers provided by the caller—use verified numbers

Step 3: Red Flags of Scams

• Pressure for Immediate Payment: Especially via gift cards or wire transfer

• Refusal to Provide Mailing Address

• Threats of Immediate Arrest

• Requests for Sensitive Information (SSN, bank account details)

2026 Updates in Healthcare Debt Collection

Recent regulatory changes impact how agencies like Balanced Healthcare Receivables operate:

Key 2026 Developments:

• Medical Debt Credit Reporting Changes: The three major credit bureaus (Equifax, Experian, TransUnion) have implemented new policies that remove paid medical collection debt from credit reports and give consumers more time before unpaid medical debt appears.

• Enhanced CFPB Oversight: Increased scrutiny on medical debt collection practices, particularly regarding debt validation and communication frequency.

• State Law Variations: States continue to pass additional protections beyond federal law. Check your state’s specific regulations.

• No Surprises Act Impact: Healthcare providers now have additional billing transparency requirements that may affect what debts are valid.

Get Help With Balanced Healthcare Receivables Harassment

If you’re facing persistent calls, threats, or abusive behavior from Balanced Healthcare Receivables, professional legal assistance can provide relief and enforce your rights.

Consumer Rights Law Firm PLLC specializes in stopping illegal debt collection harassment. We help clients by:

• Analyzing call patterns for FDCPA violations

• Handling all communication with collectors

• Drafting and sending effective legal demands

• Filing regulatory complaints

• Pursuing lawsuits for damages when warranted

Since 2010, we’ve helped consumers stop harassment and recover compensation while maintaining an A+ rating with the Better Business Bureau.

Contact us today at (877) 700-5790 for a confidential consultation about your situation with Balanced Healthcare Receivables.

Success Stories

Working with Matthew was quick and easy. He explained everything very well and got the things done and now I don’t have to worry about debt collectors coming to threaten me. He was able to get me a debt waiver and they’re taking it off my credit report, thank you so much for that. And I recommend him to anyone else looking for help!

Scott was amazing and very professional! He was very knowledgeable and took the time to explain everything and answer my questions. We were dealing with a very unprofessional debt collector. Im thankful I looked into our rights and what we could do and found Consumer Rights Law Firm. Dont ever let a debt collector try to bully you and tell you that you have no rights because you do!

Frequently Asked Questions

Is Balanced Healthcare Receivables a scam?

No, they are a legitimate third-party debt collection agency that has been in business since 2007. However, they may engage in illegal harassment tactics despite being a legitimate business.

Can Balanced Healthcare Receivables garnish my wages?

Only if they first sue you in court and obtain a judgment. Threats of immediate wage garnishment are typically illegal intimidation tactics.

Can they call my family or employer about my debt?

They can contact third parties only to locate you. They cannot disclose that you owe a debt or discuss details of your financial situation.

What should I do if I don’t recognize the debt?

Immediately request written validation in writing via certified mail. They must cease collection efforts until they provide proof you owe the debt.

How many times per day can they legally call?

There’s no specific number, but calls made with intent to harass, annoy, or abuse are illegal. Multiple daily calls, especially after you’ve asked them to stop, may constitute harassment.

Can they call me at work?

They can call once, but if you tell them your employer prohibits such calls, they cannot call again. They also cannot disclose the nature of the call to your coworkers.

What if the debt is from a deceased family member?

The rules vary by state. Generally, you are not personally responsible unless you co-signed or are the executor of the estate. Collectors cannot use deceptive tactics to get you to pay.

How long do I have to take legal action against them?

The statute of limitations for FDCPA violations is one year from the date of the violation.

Will disputing the debt stop the calls?

Once you send a written dispute via certified mail, they must stop collection efforts until they provide validation. If they continue calling, each call is a separate violation.

What compensation can I receive if I sue them?

You may recover up to $1,000 in statutory damages, plus actual damages (for emotional distress, etc.), and they must pay your attorney fees and court costs.

Official External Resources & Government Agencies

Federal Trade Commission (FTC) – Fair Debt Collection Practices Act

New Hampshire Attorney General’s Office – Consumer Protection

Public Access to Court Electronic Records (PACER)

Federal Trade Commission – Consumer Advice on Medical Debt

Centers for Medicare & Medicaid Services – Medical Billing Rights