Receivable Solutions Inc.


When checking your credit report, you may find entries from companies that you’ve never heard of. Receivable Solutions may be one of these companies. Their name isn’t very descriptive, so you may be left scratching your head wondering why they’re listed on your credit report.

Is Receivable Solutions a legitimate company?

What is Receivable Solutions Inc? Are They Legit?

Receivable Solutions is a South Caroline collections agency that has been in business for more than 15 years. They are a legitimate company that deals primarily with medical debt. The company claims to treat patients with dignity and respect when collecting debt.

Receivable Solutions is located in Columbia, SC at:

800 Dutch Square Boulevard, Suite 100

Columbia SC 29210

Their website lists two phone numbers:

  • 803-790-0446
  • 866-505-7419

Receivable Solutions Complaints

The Better Business Bureau (BBB) lists 27 complaints for Receivable Solutions in the last three years, but the company does maintain an A+ rating with the BBB. Consumer ratings are not included in the calculation of the BBB’s rating.

Of the 27 complaints, 15 were resolved in the last 12 months.

Although the company doesn’t have as many complaints as other collections agencies, the reasons for the complaints are concerning.

Consumers claim:

  • They were accused of having hospital debt that wasn’t theirs. For some, the debts were thousands of dollars. Receivable Solutions has resolved some of these claims and removed the erroneous debt.
  • Their benefits or wages were garnished for years without their knowledge.
  • They receive numerous calls from the company and that collections agents can be rude.
  • The company doesn’t remove items from credit reports even after payment.

Receivable Solutions is very responsive on BBB regarding complaints. It does appear that they investigate all of the complaints thoroughly, offer solutions and apologize for errors/delays when necessary.

Can Receivable Solutions be Removed from Your Credit Report?

Yes. It’s possible to have the company and debt removed from your credit report. If the debt is an error or inaccurate, a dispute can be opened and investigated. The company appears to be responsive and willing to remove debts that are inaccurate or incorrect.

If the debt is paid and you have proof of the payment, the company will remove the collections from your report. But you may have to be persistent with them about contacting the credit bureaus and having the collections removed.

Dealing with Debt Collectors Like Receivable Solutions

Although Receivable Solutions is responsive and claims to treat consumers with respect, there are still complaints about constant calling or rude representatives. Because they deal with medical debt, this can be a sensitive subject, and the debt may be very high. Emotion can easily get the better of you, making it even more difficult to deal with the agency.

One solution is to work with a credit repair company to have the collections removed. This way, you don’t have to deal with the collection’s agency yourself.

If that’s not an option, it’s important to know your rights and how to approach the situation.

  • If the company claims you owe a debt that you’ve never heard of, ask for a letter verifying the account number and details.
  • Ask for the company’s phone number, address and name.
  • You can send a certified letter telling the caller that they can’t contact you. A legitimate company like Receivable Solutions will listen.
  • A debt collector cannot garnish your wages without taking you to court, unless it’s IRS debt or student loan debt.
  • The debt may be past the statute of limitations, but debt collectors can still try to get you to pay. Check the date of the debt and your state’s laws to see if it’s past the statute of limitations.
  • Understand your rights under the Fair Debt Collection Practices Act. There are things debt collectors can and cannot legally do. Harassing and excessive phone calls, abusive language and threats are illegal.

Receivable Solutions is a legitimate debt collection agency that may appear on your credit report if you have outstanding medical debt. Paying your debt (if it’s legitimately yours) or disputing erroneous debt can help remove this collection from your credit report. A credit repair company can assist with this, or you can take matters into your own hand and deal with the company directly.

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