Are you here because you just received a call from Capio Partners? As someone who has just received a call from Capio Partners, you may be confused. Upon getting a call, you may be wondering why they are reaching out to you. You may want to know the reason behind the call and what to do to respond to it. So, what is the reason for Capio Partners calling you?
Capio Partners Overview
Capio Partners is known as a third-party management company that focuses on collecting past-due medical and healthcare debt from people across the United States. The company has been around since 2008. It is based in Sherman, Texas. Apart from that, it also has several offices located in Lawrenceville, Georgia.
Reason Why You Get Call from Capio Partners
For anyone who is wondering why you get a call from Capio Partners, the reason is because you probably have past due medical debt and they are trying to collect on that. The medical debt in question can be something like a hospital or ambulance bill.
Before receiving a call from Capio Partners, you may have been called by medical providers like a hospital, doctor’s office, or other healthcare provider a few times, trying to get you to pay your medical debt. However, you may have rejected or ignored the calls. That’s why your medical provider may have sold the collection account to Capio Partners, resulting in you getting a call from Capio Partners.
Thing to Do After Receiving a Notice from Capio Partners
After getting contacted by Capio Partners, the first thing that you have to do is to validate the debt in writing before doing anything else. You can validate it by talking to Capio Partners account specialist by calling at 888-893-0171. By talking to them, you will be able to learn your responsibility portion of your healthcare bill. Aside from that, they can also help you to find the best solution.
Once your debt has been validated by Capio Partners, you can do one of the followings:
1. Make a payment
The first option that you can do is to make a payment. After getting called by Capio Partners and after validating your debt and admitting it, you may want to make a payment because you have money at the moment to pay your debt off, first of all, you are advised to refer to your letter in order to determine the correct payment portal to access your account. In case you fail to find your letter, contact them at 888-893-0171 and talk with their account specialist. You can also call the same number if you have insurance and want to pay off your debt with it. If you want to pay with your insurance, it is better for you to reach out to your insurance company first to learn the benefits.
2. Dispute the debt
The second option that you can take is to dispute the debt. You can do it in cases like the account is not yours, you disagree with the amount they say you owe, or your medical debt has been paid off.
In order to dispute the debt, you are recommended to read the instructions to do it that are usually found on the bottom of the debt validation letter. Besides, do not forget to also check your credit report to check its accuracy. Make sure to check its accuracy because if inaccuracies are found, they can hurt your credit score if they go unaddressed.
3. Make a debt settlement
The third option that you can take after Capio Partners called you is to negotiate the debt and make a settlement offer. You can consider this option if you have read the validation notice and have admitted that you owe the medical debt to a healthcare provider but you have no money to pay it off. It is possible for you to negotiate the debt and make a settlement offer by contacting Capio Partners at (888) 502-030. For those who want to negotiate a debt settlement, it is better for you to send the offer in writing. However, it is also possible for you to do it over the phone.
There may be a chance for you to negotiate the debt and make a settlement offer because Capio Partners may have purchased your debt from a healthcare provider for a small portion of what you owe. Do not hesitate to try to negotiate the debt because it is a common thing. Usually, debt collectors want to settle for 40% to 60% of the total debt. For example, if your debt is $2,000, you could offer to pay just $800 to settle the account.
4. Ignore the debt
The last option that is available for you after getting a call from Capio Partners is to ignore the debt. However, it is not recommended even though it is technically possible. The reason why it is not recommended is because it will make your life harder and the debt will remain the same.
Once again, do not even think of ignoring the debt because Capio Partners could be more aggressive than usual if you ignore them. If you ignore them, you can expect something like a call from the court because Capio Partners may decide to file a debt collection lawsuit against you. In this case, you will not only have to pay the debt but also will have to pay for court and legal fees.
Getting Sued by Capio Partners
While it is unlikely, Capio Partners may sue you for unpaid debt. If this happens, official court documents known as a summons and complaint will be sent to you in person or left with an adult in your home. The documents will inform you that you are getting sued. If you are curious why they do it, you can also find the answer in the documents.
If Capio Partners sues you, do not stay silent and give a response. It is not the right way to not respond to them because it will increase your chance to lose the case by default. In addition, the court may order the debt collector to garnish your wages.
Bottom Line
In conclusion, receiving a call from Capio Partners can be something that makes your heart beat faster. However, you can manage the situation well by finding out what they call you and what you can do in this situation. In case you need further assistance, you can seek help from a legal professional.
