Are you receiving repeated calls from a company called Cypress Professional Services? Did a letter or collector reference a hospital bill, physician charge, or medical account you thought was already handled? Are you unsure whether the amount being demanded is accurate or whether the debt is even yours? Have callers contacted you at inconvenient hours, called your workplace, or refused to send written documentation? Are you a California resident dealing with a collection agency you have never heard of?
If so, youâre not alone and itâs important to proceed carefully. Cypress Professional Services, Inc. is a medical debt collection agency based in Modesto, California, and like many firms in this space, it has faced consumer complaints and regulatory scrutiny. Before responding to any demand, making a payment, or confirming personal information, itâs essential to understand your rights and what collectors are legally required to prove.
What Is Cypress Professional Services?
Cypress Professional Services, Inc. is a healthcare-focused debt collection agency based in Modesto, California, incorporated in October 2000 and operating for over 25 years. Unlike general debt collectors, it primarily handles medical billing and healthcare revenue cycle accounts.
The company works with hospitals, clinics, urgent care centers, and specialty medical providers, offering services such as self-pay collections, insurance recovery, workersâ compensation billing, payment plan management, skip tracing, and credit bureau reporting.
| Field | Details |
|---|---|
| Full Legal Name | Cypress Professional Services, Inc. |
| Address | 4301 North Star Way, Suite B, Modesto, CA 95356-9262 |
| Primary Phone | (855) 297-8733 |
| Additional Phones | (209) 342-2377, (209) 342-2320, (800) 679-2017 |
| Fax | (209) 342-2307 |
| Website | www.cypressarm.com |
| President | Mr. Nicholas Wells |
| Business Incorporated | October 19, 2000 |
| BBB File Opened | March 8, 2007 |
| BBB Status | Not BBB Accredited |
| BBB Rating | Not Rated (insufficient information to rate) |
| Type of Entity | Corporation |
| Local BBB | BBB of Northeast California |
| Industry | Collections Agencies / Healthcare Revenue Cycle |
| Primary Clients | Hospitals, surgery centers, urgent care, radiology, oncology, physical therapy practices |
| Known Call Numbers | (855) 297-8733, (209) 342-2377, (775) 229-4627, (209) 342-2320 |
The BBB profile for Cypress Professional Services can be viewed at Cypress Professional Services Better Business Bureau.
Is Cypress Professional Services Legit?
Why Is Cypress Professional Services Calling Me?
Cypress Professional Services contacts consumers on behalf of healthcare providers attempting to recover unpaid or underpaid balances. The specific reasons vary, but in our experience they fall into a predictable set of categories:
One thing consumers often misunderstand is that receiving a collection notice from Cypress Professional Services is not the end of the process. It is the beginning of your opportunity to verify the debt, dispute inaccuracies, and assert your rights before any payment is made or any credit reporting occurs. Paying first and asking questions later is the worst sequence you can follow with a medical collection agency.
What Are People Saying About Cypress Professional Services?
Cypress Professional Services is a smaller, specialized agency with a correspondingly lower public complaint volume than national collectors. The BBB complaint record for Cypress Professional Services currently shows zero complaints in the active three-year period, and the company carries a “Not Rated” designation due to insufficient information. You can verify this directly at Cypress Professional Services Better Business Bureau Complaints.
However, the absence of active BBB complaints does not mean consumer concerns do not exist. It means Cypress operates in a niche where consumer complaints often go through different channels: credit bureau disputes, CFPB filings, and federal court cases rather than BBB submissions. Cypress Professional Services has appeared as a defendant in federal consumer protection litigation, which we document in the court cases section below.
In our practice, the clients who contact us about Cypress Professional Services describe a consistent set of concerns:
We also hear frequently from clients who were contacted by Cypress after a long gap following their medical treatment, sometimes more than a year after the service date. Long gaps between treatment and collection activity are common in medical billing because insurance resolution timelines can be extended, but they also create legitimate confusion for consumers about whether the debt is valid or time-barred.
Cypress Professional Services Phone Numbers and Call Patterns
Multiple phone numbers have been associated with Cypress Professional Services in consumer contact records and research databases:
- (855) 297-8733: Primary toll-free line, confirmed in the BBB profile
- (209) 342-2377: Alternate local line, Modesto, CA area code
- (209) 342-2320: Additional local line, confirmed in BBB additional contact information
- (775) 229-4627: Nevada area code number associated with Cypress in consumer records
- (209) 342-2307: Fax number on record
One thing we observe in our practice is that medical collection agencies like Cypress tend to use systematic call scheduling tied to account status triggers in their collection software. Calls may come in early morning or late afternoon, and the same account may generate calls from more than one number if the primary line is blocked. If you are receiving calls from multiple numbers and the caller identifies itself as Cypress Professional Services or references a medical account, document every call with the date, time, and number displayed.
Federal Court Cases Involving Cypress Professional Services
Case 1: Gathings v. Cypress Professional Services
Case 2: Malolot v. Cypress Professional Services
| Violation Type | Federal Law (FDCPA) | California Law (Rosenthal Act) | How It Applies to Cypress |
|---|---|---|---|
| Repeated calls that harass or oppress | 15 U.S.C. 1692d | Cal. Civil Code 1788.11(e) | Multiple calls per day without progress toward resolution |
| Calling before 8 AM or after 9 PM | 15 U.S.C. 1692c(a)(1) | Cal. Civil Code 1788.11(b) | Prohibited regardless of time zone |
| Calling consumer’s workplace when prohibited | 15 U.S.C. 1692c(a)(3) | Cal. Civil Code 1788.11(d) | When employer or consumer has communicated the calls are inconvenient |
| False representation of debt amount | 15 U.S.C. 1692e(2)(A) | Cal. Civil Code 1788.17 | Demanding more than what insurance and any valid co-pay actually leave outstanding |
| Threatening action not authorized or intended | 15 U.S.C. 1692e(5) | Cal. Civil Code 1788.13 | Threatening legal action without authorization or intent to file |
| Failure to provide debt validation notice | 15 U.S.C. 1692g(a) | Cal. Civil Code 1788.17 | Failing to send written notice within 5 days of first contact |
| Continuing collection after written dispute | 15 U.S.C. 1692g(b) | Cal. Civil Code 1788.17 | Calling or reporting to bureaus while debt is in written dispute |
| Contacting third parties about consumer debt | 15 U.S.C. 1692c(b) | Cal. Civil Code 1788.12 | Disclosing debt details to family, neighbors, or employers |
| Unauthorized charge for interest or fees | 15 U.S.C. 1692f(1) | Cal. Civil Code 1788.14 | Adding fees not expressly authorized by the original provider agreement |
| Inaccurate credit bureau reporting | FCRA 15 U.S.C. 1681s-2 | Cal. Civil Code 1788.17 | Reporting disputed balances without noting the dispute |
California-Specific Protections: The Rosenthal Act
How to Stop Cypress Professional Services Phone Calls
If Cypress Professional Services is calling you about a medical debt, here are the steps to take in order:
Step 1: Request the Full Written Validation Notice
Under the FDCPA (15 U.S.C. 1692g), within five days of their first contact with you, Cypress must send a written notice containing the amount of the debt, the name of the original creditor, and a statement of your 30-day right to dispute. If you did not receive this notice, or if their first contact was a phone call and no letter followed within five days, that is a potential FDCPA violation. Send a certified mail request demanding the complete validation package.
Step 2: Contact Your Insurance Carrier Before Contacting Cypress
If the account involves a medical bill, call your health insurer’s member services line and ask for a detailed explanation of benefits for the service date in question. Confirm how much they paid, how much is your responsibility, and whether any appeal is pending. Do not acknowledge a balance to Cypress until you have confirmed through your insurer exactly what you owe, if anything.
Step 3: Send A Written Debt Dispute
Once you receive the validation notice, you have 30 days to dispute the debt in writing. Send your dispute via certified mail with return receipt requested. Once Cypress receives your dispute, all collection activity must stop until they provide written verification of the debt. Calling you or reporting the debt to credit bureaus while your dispute is pending is an FDCPA violation.
Step 4: Send a Written Cease Communication Letter
Under 15 U.S.C. 1692c(c), you can instruct Cypress in writing to cease all further communication. After receipt, they may only contact you to confirm they are stopping, or to notify you of a specific action such as filing a lawsuit. Send this letter certified mail and keep the return receipt.
Step 5: Check Your Credit Reports
Request your free credit reports from Experian, TransUnion, and Equifax at annualcreditreport.com. If Cypress has reported the account, verify that the amount is accurate, that any dispute status is noted, and that the account is not being reported as more delinquent than your actual payment history supports. If you find errors, file a written dispute with the credit bureau and with Cypress directly under the FCRA (15 U.S.C. 1681s-2(b)).
Step 6: Verify Cypress’s California DFPI License.
Confirm that Cypress Professional Services holds a current debt collection license issued by the California Department of Financial Protection and Innovation. The license verification portal is available at dfpi.ca.gov. If the company is operating without a current license, that is an independent violation of California law.
Step 7: Contact a consumer protection attorney.
If Cypress Professional Services has called you at prohibited hours, failed to send the validation notice, continued calling after a written dispute, reported inaccurate information to credit bureaus, or otherwise violated the FDCPA or Rosenthal Act, you are entitled to damages. Under the fee-shift provisions of both the FDCPA and the Rosenthal Act, the collector pays your attorney’s fees if you win. Qualified attorneys handle these cases at no cost to the consumer.
What Are Your Legal Rights?
About Us
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. Rather than suffer alone, contact our office to begin the process to stop the Cypress Professional Services harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
If you are interested in learning more about how to safeguard yourself and prevent harassment from Cypress Professional Services. call us at 877-700-5790 for immediate assistance or visit our website.
Success Stories
- A collector was contacting my family and neighbors, humiliating me over a small debt. I contacted Consumer Rights Law Firm PLLC and they acted quickly. They filed a complaint on my behalf and made sure I was protected under the FDCPA. Iâm so grateful for their help.
- Thanks to Consumer Rights Law Firm PLLC, I no longer have to screen every phone call out of fear. They dealt directly with the collection agency and got me compensation for the harassment. I highly recommend their services to anyone dealing with aggressive collectors.
- I was receiving robocalls from a debt agency multiple times per day. Consumer Rights Law Firm PLLC took the time to understand my situation and went after the collector for violating the TCPA. They were thorough, responsive, and I even received a settlement.
FAQs
1. Why is Cypress Professional Services contacting me about a hospital I never dealt with directly?
They may have been assigned your account after a hospital, ER, or specialist visit was processed through insurance, even if you never interacted with the collector before.
2. Can Cypress collect a medical bill that my insurance already paid?
Not lawfully for the same balance but duplicate billing can still happen due to insurer-provider miscommunication or delayed adjustments.
3. How do I verify that the Cypress Professional Services debt is actually mine?
You can request a full itemized statement and account assignment record, including the original provider, dates of service, and insurance adjustments.
4. Why does the amount from Cypress not match my hospital bill?
Medical debts often change after insurance adjudication, secondary billing, or provider write-offs leading to discrepancies in the final collection amount.
5. Can Cypress report my medical debt to credit bureaus immediately?
Only after certain conditions are met, including account aging and reporting requirementsâbut disputed medical debts should not be reported without proper notation.
6. What should I do if Cypress is calling me but I never received a bill from the hospital?
You should immediately request debt validation, as this often indicates missing insurance records or incorrect account assignment.
7. Does Cypress handle insurance disputes or just unpaid patient balances?
They often handle bothâespecially accounts still tied to insurance reimbursement disputes or partial payments.
8. Can Cypress contact me at work or through repeated phone calls?
They can contact you, but repeated or inconvenient-time calls may violate FDCPA and Rosenthal Act protections depending on frequency and conduct.
9. Why is Cypress asking for payment when my insurance claim is still pending?
This can happen when providers send accounts to collections before insurance disputes are fully resolved or updated.
10. What happens if I ignore Cypress Professional Services completely?
The account may remain in collection status, potentially escalate reporting activity, or continue internal collection efforts depending on the providerâs instructions.
