Capio Partners

Capio Partners

A trip to the ER or an unexpected operation can be pricey. If you have a hospital bill that you’ve had trouble paying, you may start getting calls from a company called Capio Partners.

They are a debt collection agency that specifically collects delinquent health care accounts.

They are known to use a number of intimidating tactics to get you to make payments on your bill.

However, the main issue with them is their impact on your credit.

Before they can legally pursue you for payments, they must first contact the three major credit bureaus and open a collections account on your credit report.

This entry can stay on your report for as long as seven years and can cause your score to drop as much as 100 points.

The good news is that there are steps you can take to stop Capio Partners’ pursuit and remove them from your credit report.

About Capio Partners

Founded in 2008, Capio Partners is a medical debt collection company that is headquartered in Sherman, TX.

They are one of the largest acquirers of healthcare debt in the United States, working with over 525 healthcare providers.

Originally founded in Texas, they now has locations across the country.

They currently have locations in Sherman, TX; Lawrenceville, GA; and Lake Oswego, OR.

Is Capio Partners Legitimate?

Capio Partners is classified as a medium-sized organization.

Their annual revenue is approximately $3 million, and they have roughly 20 employees at their headquarters.

They are a legitimate debt collection company.

Get a Free Copy of Your Credit Report

How to Deal with Capio Partners

Want to stop Capio Partners’ calls and get the collection off your credit report? Here are the four essential steps to follow:

Familiarize Yourself with the FDCPA

One of the main grievances people have when dealing with Capio Partners is the constant harassment.

Luckily, you have the law on your side when it comes to keeping their calls and letters in check.

The Fair Debt Collection Practices Act (FDCPA) is a federal regulation that restricts the ways in which debt collectors can collect information and payments.

It prohibits many unprofessional practices, such as using profanity or obscene language and contacting other people about your debt.

Most consumers don’t know about the FDCPA and assume that everything that they are doing is above board.

However, it is pretty common for debt collectors to abuse the FDCPA under the assumption that the consumer doesn’t know better.

That is why it is very important that you familiarize yourself with the FDCPA when you start hearing from them.

It can prove to be a powerful tool in your fight to pay back the debt on your terms.

One of the most important ways that the FDCPA can help you is that it allows you to tell Capio Partners how and when they can contact you.

You are allowed to ask them to stop all calls and instead contact you strictly via U.S. Mail.

This allows you to keep track of all your communication with them and hold them accountable for how they speak to you.

Read up on all the ways the FDCPA can help you and start calling Capio Partners for their bad behavior.

Write a Debt Validation Letter

Another way that the FDCPA helps you in your fight against Capio Partners is by giving you the right to request debt validation.

Debt validation is how you find out if they have all the right information regarding your debt – if it even is your debt.

This helps prevent you from pay too much to a debt collector because of a mix-up of paperwork.

However, you should request debt validation from them as soon as possible.

The FDCPA only guarantees your right to validate the debt within the first 30 days of contact. As soon as you hear from them, you should start preparing your debt validation letter.

A debt validation letter, also known as a Section 609 letter, is a formal request for them to provide proof that the debt is yours and that they can legally collect it.

Start by asking Capio Partners to confirm various details of your debt, such as the debt total, original creditor, and last date of account activity.

Make sure that you provide your name and account number so that they can find your debt.

It should take about 30 days for Capio Partners to validate your debt and return with documentation.

If they are unable to validate the debt, they must contact the three major credit bureaus and remove the account.

Work Out a Settlement

If Capio Partners can provide proof that the debt belongs to you, you are responsible for repaying it.

Don’t lose hope, though. You can use this as an opportunity to work out a settlement that works in both your favor.

The most damaging part of having a debt in collections is the account on your credit report.

This account lets future creditors and lenders know that you have had issues making payments on time.

Before you pay Capio Partners for the debt, you need to get them to agree to remove the collections account from your credit report.

This will prevent the entry from damaging your credit score and raising interest rates.

Offer to pay them about half of the total balance in exchange for a deletion. Work with them until you can come to a compromise.

Make sure that – no matter how much you pay – you don’t budge on your requirement that they remove the account.

Once you come to an agreement, work up a contract that outlines the terms of the deal.

Make sure that it is signed by both parties before you make a payment to Capio Partners.

Usually, it takes about a month for a collections account to disappear from your credit report.

Keep an eye on it to make sure that they follow through. If it’s still there after 30 days, give them a call and remind them to get a move on.

Hire a Credit Repair Company

If you’re the kind of person that doesn’t feel comfortable going head-to-head with Capio Partners alone, you should consider hiring a credit repair company.

Credit repair companies are an excellent resource for cleaning up your credit history and boosting your score.

They specialize in identifying and removing damaging accounts from your credit report so that you can raise your credit score over time.

While credit repair companies are advantageous, there are some that are simply a waste of money.

Check out our in-depth review of the top credit repair companies to find out which one is the best for you.

Ask Lex Law for Help

Does Capio Partners Have Any Complaints?

Capio Partners, like many debt collectors, is not exactly popular among their customers.

Their history of aggressive collection tactics has led them to accrue a number of complaints over the years.

Currently, they have 696 complaints filed with the Consumer Financial Protection Bureau (CFPB) and 387 complaints with the Better Business Bureau (BBB). They have also been involved in at least 12 cases of civil litigation.

So, what’s the issue? Customers report that Capio Partners is a repeat offender of violating the Fair Debt Collection Practices Act (FDCPA), which is meant to protect consumer rights.

If you believe that they have violated your consumer rights, you have the right to file a complaint as well.


Having an old debt rear its ugly head is no fun and dealing with a debt collector on top of it is even worse.

Capio Partners may be a tough egg to crack, but it is worth it to handle them quickly rather than accept the consequences to your credit history.

Follow the four steps above, and you are should be on track to improving your credit history and financial wellness.

Prevent Loan Scams

About Prevent Loan Scams

Prevent Loan Scams provides guides, reviews & information to help consumers through every restorative step of their financial journey.

Back to Top

Leave a Reply

Your email address will not be published. Required fields are marked *

This site uses Akismet to reduce spam. Learn how your comment data is processed.