Performant Recovery, Inc. is the debt collection subsidiary of Performant Financial Corporation – the parent company that also operates Performant Healthcare, a government-focused healthcare audit and analytics business. If you searched “Performant Healthcare company,” “Performant Financial Corporation,” or “performantcorp.com” and ended up here, this is the right page.
All of these entities are part of the same Livermore, California-based corporate structure. Performant Recovery is the arm that contacts consumers about debt.
Performant Recovery is not a typical consumer debt collector. They hold government contracts to collect defaulted federal student loans and audit Medicare and Medicaid payments – which means the debt they are calling you about may be a student loan in default, a government program overpayment, or a healthcare provider balance.
The CFPB took enforcement action against them for an illegal fee scheme that delayed borrowers’ rights to loan rehabilitation, adding thousands of dollars in costs. Call +1-844-638-1122 – The Wood Firm PLLC works on contingency.
Key Takeaways
- Performant Recovery, Inc. is the debt collection arm of Performant Financial Corporation, which also operates Performant Healthcare, all one corporate family based in Livermore, CA
- They specialize in defaulted federal student loans and Medicare/Medicaid overpayment recovery – not standard credit card debt
- The CFPB took enforcement action against them for an illegal fee scheme that delayed student loan borrowers’ rehabilitation rights and added thousands in costs
- A TCPA class action alleged automated calls without consent; a 2018 FDCPA class action alleged their letters failed to clearly state debt amounts and accruing interest
- 91 BBB complaints in three years and 360+ federal court cases on record
- The Wood Firm PLLC works on contingency – whether you owe the debt or not, we can help you
Who Is Performant Recovery – And What Is Their Relationship to Performant Healthcare?
Performant Financial Corporation is the publicly traded parent company headquartered at 333 N Canyons Pkwy, Suite 100, Livermore, CA 94551. It operates two primary business lines: Performant Recovery, Inc. (debt collection, primarily government contracts) and Performant Healthcare (healthcare payment audit and analytics for Medicare, Medicaid, and commercial payers).
When you search “Performant Financial Corporation,” “Performant Healthcare company,” or “Performant Collections,” – you are searching for different arms of the same parent entity. Performant Recovery, Inc. is specifically the entity contacting consumers about debt. They operate under the name Performant Collections in some communications, making identification more difficult.
Their debt portfolio is distinct from most collection agencies. Performant holds Department of Education contracts to collect defaulted federal student loans and Medicare/Medicaid contracts to recover improper payments from providers. If they are calling, the debt is most likely a defaulted student loan or a government program overpayment – not a credit card.
Contact information:
- Phone: (888) 335-6267 / 888-335-6267 / 8883356267
- Also reported: (866) 256-0057 / 866-256-0057 / 8662560057
- Also reported: (866) 201-0580 / 866-201-0580 / 8662010580
- Address: 333 N Canyons Pkwy, Suite 100, Livermore, CA 94551
- Website: performantcorp.com
Why Is Performant Recovery Calling Me?
Performant Recovery contacts consumers primarily in two situations: defaulted federal student loans and government program overpayments. Their 20%+ cash conversion rate and government contractor status mean they pursue these accounts aggressively.
If Performant is calling about a student loan, they are operating under a Department of Education contract. This creates a specific and important dynamic: federal student loan borrowers in default have legal rights to rehabilitation programs – programs designed to restore loans to good standing and remove the default from credit records.
The CFPB enforcement action established that Performant’s fee practices delayed borrowers’ access to exactly these rehabilitation rights, trapping them in default longer and at greater cost.
If Performant is calling about a healthcare overpayment, they act on behalf of Medicare, Medicaid, or a commercial insurer. These disputes may be worth challenging with documentation from the original provider.
Whether You Owe The Debt Or Not, We Can Help You!
Federal law protects you from abusive debt collection regardless of whether the debt is valid. You may be entitled to:
- Up to $1,000 per FDCPA violation
- $500 to $1,500 per unauthorized automated call or text under the TCPA
- Attorney fees paid by Performant Recovery if we win
✓ Free consultation • No upfront costs • Performant pays our fees if we win
FREE Case Review: +1-844-638-1122
How to Stop Calls from Performant Recovery
For student loan debt, understanding your rehabilitation rights is the most critical first step – because the CFPB enforcement action established that Performant has interfered with those rights before. If you’re receiving calls from (888) 335-6267 / 888-335-6267 / 8883356267 or their other numbers, here is what to do:
1. If the Debt Is a Federal Student Loan – Know Your Rehabilitation Rights
Federal student loan borrowers in default have the legal right to rehabilitation programs that can restore their loans to good standing and remove the default notation from their credit reports. The CFPB enforcement action against Performant specifically found that their fee practices delayed borrowers’ access to these programs and added thousands of dollars in costs.
Before paying anything or agreeing to any repayment arrangement, confirm with the Department of Education directly (studentaid.gov) what rehabilitation options exist for your specific loan, independent of what Performant tells you. Performant’s six-month payment arrangement offer may not be the most advantageous path available to you.
2. Request Written Debt Validation
Within 30 days of first contact, send a written validation request via certified mail to 333 N Canyons Pkwy, Suite 100, Livermore, CA 94551. For student loans, request the original loan servicer information, the current balance breakdown, and documentation of all fees added since default.
The 2018 FDCPA class action established that Performant letters have failed to clearly state the debt amount and disclose accruing interest – examine any letter they sent for these disclosure failures. Under the Fair Debt Collection Practices Act, Performant must pause collection until they adequately respond.
3. Document Every Automated Call and Text
The Cahill v. Performant Recovery TCPA class action alleged that Performant used automated telephone dialing systems to call consumers without consent. Each unauthorized automated call to your cell phone may be a separate TCPA violation worth $500 to $1,500. Log every call with the date, time, and number. If the calls feel automated or use pre-recorded messages, that is especially important to document.
4. Send a Cease-and-Desist Letter
If calls continue, send a written cease-and-desist via certified mail. Under the CFPB’s debt collection rules, all contact must stop except to confirm cessation or notify you of legal action. Keep your receipt. Note that for federally-held student loans, additional federal servicing rules may apply alongside the FDCPA.
5. Hire an Attorney
Once Performant knows you have legal representation, contact routes through your attorney. The Wood Firm PLLC works on contingency. Call +1-844-638-1122.
Lawsuits Against Performant Recovery
Performant Recovery’s legal record spans a federal enforcement action, class actions under both FDCPA and TCPA, and individual federal suits across multiple districts.
- CFPB v. Performant Recovery, Inc. (2024): The Consumer Financial Protection Bureau took enforcement action against Performant for an illegal fee-generating scheme that delayed student loan borrowers’ rights to loan rehabilitation, resulting in thousands of dollars in added costs to borrowers who should have been able to restore their loans to good standing. This is the most significant and recent documented violation against Performant and the strongest evidence of conduct that harmed consumers at scale.
- Cahill v. Performant Recovery, Inc. (TCPA Class Action): Alleged Performant used automatic dialing systems to call cellular phones without prior consent, potentially generating per-call TCPA liability.
- FDCPA Class Action (2018): Alleged Performant’s collection letters failed to state the amount of debt owed clearly and failed to disclose accruing interest and charges – both foundational FDCPA disclosure requirements.
- Lorenzo v. Performant Recovery, Inc. (2014): Alleged unfair debt collection practices.
- Price-Pauline v. Performant Recovery, Inc. (2016, N.D. Cal.)
- Walters v. Performant Recovery, Inc. (2015, D. Conn.)
- Weaver v. Performant Recovery, Inc. (2014, D. Kan.)
- Weintraub v. Performant Recovery, Inc. and Anatra v. Performant Recovery, Inc.
How to Remove Performant Recovery from Your Credit Report
To remove Performant Recovery from your credit report, the student loan context creates specific grounds. A defaulted federal student loan that enters rehabilitation removes the default notation from your credit history, independent of any dispute. If Performant’s fee practices delayed your rehabilitation access, that delay may have extended the time the default appeared on your report.
- If the entry relates to a student loan, contact the Department of Education separately about rehabilitation options. Successful rehabilitation removes the default from your credit report regardless of collection activity
- If the balance includes unauthorized fees, the CFPB action establishes this as a documented Performant pattern. Dispute the specific fee amounts in writing with all three bureaus
- If validation was not provided, reference this in your bureau dispute. Inadequate validation responses must be investigated
- Pay-for-delete – negotiate written deletion from all three bureaus before any payment. Get it confirmed in writing. Review your rights at the FTC’s debt collection rights resource
- FCRA grounds – if Performant reported inaccurately, you may have a separate Fair Credit Reporting Act claim
How The Wood Firm PLLC Helps
A government contractor is supposed to follow stricter guidelines than a standard collection agency. The CFPB enforcement action shows exactly what happens when they don’t – a fee scheme that made loan rehabilitation longer and more expensive for borrowers who had a legal right to restore their credit. That documented pattern is exactly what we work from.
The Wood Firm PLLC has handled FDCPA, FCRA, and TCPA cases exclusively since 2010. Whether you owe the debt or not, we can help you. Contact stops within 48 hours of legal notice. You pay nothing unless we win.
Call +1-844-638-1122 and let’s see what they’ve actually sent you.
About Attorney Jeff Wood
Jeff Wood founded The Wood Firm PLLC exclusively for consumer protection – FDCPA, FCRA, and TCPA cases. With over 15 years of experience and Of Counsel relationships in Arizona, California, Florida, Louisiana, Minnesota, Missouri, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Washington, and West Virginia, he has never represented a creditor or collection agency.
We Have Helped People Like You
“Performant Recovery was calling me daily about a defaulted student loan. I didn’t realize I had rehabilitation rights that could remove the default from my credit entirely. The Wood Firm PLLC identified both the FDCPA violations in their collection conduct and my rehabilitation options. The calls stopped and my loan is now in rehabilitation.”
— Client, California
“Performant’s collection letter listed a balance that didn’t match any documentation I had from my original loan servicer. The Wood Firm PLLC identified the disclosure failure in the letter – exactly the issue the 2018 FDCPA class action was about. They challenged the collection and the case settled in my favor.”
— Client, Connecticut
“I was receiving automated calls from Performant on my cell phone – calls I never consented to. The Wood Firm PLLC documented each automated call as a potential TCPA violation and pursued the claim. I received statutory damages and the calls stopped within days of them sending legal notice.”
— Client, Kansas
Whether You Owe The Debt Or Not, We Can Help You!
Free Consultation • No Upfront Costs • Performant Pays Our Fees If We Win
Common Questions About Performant Recovery
Is Performant Recovery the same as Performant Healthcare or Performant Financial?
Yes – all are part of the same corporate family. Performant Financial Corporation is the publicly traded parent company. Performant Recovery, Inc. is the debt collection subsidiary. Performant Healthcare is a separate division focused on Medicare and Medicaid payment auditing. If you received a collection call or letter from any entity using the “Performant” name, it likely originates from Performant Recovery operating under a Performant Financial Corporation contract.
Why is Performant Recovery calling me about a student loan?
Performant holds government contracts to collect defaulted federal student loans on behalf of the Department of Education. If they are calling about a student loan, you likely have a federal loan in default. Before paying anything or agreeing to any arrangement, contact the Department of Education at studentaid.gov to understand your rehabilitation options – which can restore your loan to good standing and remove the default from your credit report, independent of what Performant offers you.
What was the CFPB action against Performant Recovery?
The Consumer Financial Protection Bureau took enforcement action against Performant Recovery for an illegal fee-generating scheme that delayed student loan borrowers’ rights to rehabilitation programs. Rehabilitation is a federal program that allows borrowers who are in default to restore their loans to good standing. The CFPB found that Performant’s fee practices made this path longer and more expensive than it should have been, adding thousands of dollars in costs to affected borrowers.
Performant’s letter doesn’t clearly show how much I owe – is that normal?
No. The 2018 FDCPA class action specifically alleged that Performant’s collection letters failed to clearly state the debt amount and failed to disclose accruing interest and charges. These are foundational FDCPA disclosure requirements. If your Performant letter is ambiguous about what you owe or doesn’t explain interest accrual, document the letter carefully and call +1-844-638-1122.
Should I pay Performant Recovery before speaking to an attorney?
No. For student loan debt, especially, the payment arrangement Performant offers may not be the most advantageous path available to you under federal law. The CFPB found that Performant’s fee practices delayed borrowers’ rehabilitation rights – meaning their terms actively worked against borrowers’ best interests. Whether you owe the debt or not, The Wood Firm PLLC can help you. Call +1-844-638-1122 before paying anything.
