Yes. When the person who owes the balance is an individual patient rather than a business or insurer, that balance is consumer debt under the Fair Debt Collection Practices Act and CFPB Regulation F. Those rules govern what we can say, when we can contact a patient, what disclosures we must provide, and how we handle disputes. Our agents are trained across all of these requirements. Note that we do not collect consumer debt in California, Oregon, or Washington.
Chiropractic Collections
CHIROPRACTIC COLLECTIONS
Chiropractic Collections
Chiropractors treat chronic pain, injury recovery, and postural problems that most patients deal with over years, not weeks. That ongoing relationship is what makes your practice valuable. It is also what makes unpaid balances harder to address. You see these patients regularly. Asking them about money feels personal. But delinquent accounts do not disappear on their own, and the longer they age, the harder they are to collect. Southwest Recovery Services handles chiropractic collections so you can keep your focus on patient care and leave the debt recovery work to a team that does this every day.
Why Patients Need a Specialist Collector
Patient Debt Belongs With a Trained Collector
Patient balances are consumer debts. The people who owe them are individuals, which means the Fair Debt Collection Practices Act and CFPB Regulation F govern how those accounts can be collected. Those rules are specific: validation notices, dispute rights, communication frequency limits, required disclosures, and geographic restrictions. Your front office staff was not trained for this, and the compliance risk of handling it internally is real. Our agents are. We follow every FDCPA and Regulation F requirement on every account, and we handle patient information in accordance with HIPAA standards throughout the collection process. We do not collect consumer debt in California, Oregon, or Washington.
Place Accounts Early, Recover More
Early Action Drives Better Recovery
A 30-day delinquent account and a 180-day delinquent account are not the same problem. Recovery rates drop as balances age. That is not an estimate. It reflects how collection actually works in practice. Patients who fall behind early are often reachable and responsive. Accounts that sit for six months become much harder. We take on both. But if you can place accounts with us within the first 60 to 90 days of delinquency, your recovery rate improves substantially. Do not wait until an account is hopeless before you send it to us. We also work aged balances your practice has already given up on. We pursue those with the same effort as fresh accounts.
Firm but Respectful Patient Outreach
Professional Contact That Protects Your Patient Relationships
Chiropractic patients often come back for months or years. A bad collection interaction can end that relationship and produce a negative review. Our approach is designed to avoid exactly that. We communicate in a firm but respectful way, follow every regulatory communication standard, give patients a clear understanding of what they owe and what their options are, and work toward resolution without pressure tactics that backfire. We have found that a professional, compliant approach recovers more money than an aggressive one. Your practice’s reputation in the community is also part of what we are protecting when we contact a patient account.
Patient Privacy Handled Properly
HIPAA-Compliant Handling of Patient Information
Chiropractic patients are also patients in the medical sense, which means the information attached to their accounts may include protected health information. We handle patient data in accordance with HIPAA requirements throughout the collection process. That means strict access controls, secure transmission of account data, and no misuse or unnecessary disclosure of protected information. We are not going to hand you a compliance problem along with your recovery. Patient privacy is part of our standard process, not an afterthought.
Contingency Pricing, No Upfront Cost
No Upfront Cost. We Work on Contingency.
You pay nothing until we recover a balance. Our fee is a percentage of what we actually collect. If we bring in nothing on an account, you owe nothing for that account. No retainers. No setup fees. No monthly minimums. That structure keeps our incentives aligned with yours and removes the financial risk of outsourcing your collections. You send us the accounts, we work them, and you receive the recovered funds minus our agreed percentage. For a chiropractic practice sitting on a backlog of aged patient balances, that is a straightforward way to find out what is still collectible without committing any internal resources to the effort.
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CHIROPRACTIC PRACTICES NATIONWIDE
Recover Patient Balances Without Disrupting Your Practice
Southwest Recovery Services collects past-due chiropractic patient balances professionally, respectfully, and in full compliance with FDCPA, Regulation F, and HIPAA. No upfront cost. Tell us about your past-due accounts and we get to work. Note: we do not collect consumer debt in California, Oregon, or Washington.