If you searched 866-763-2906 or 8667632906, that is Ingram & Associates LLC calling you about a medical debt. Ingram is a Brentwood, Tennessee healthcare debt collector that collects medical bills on behalf of UnitedHealth Group and Optum360.
Ingram has accumulated over 80 federal cases, including a cluster of 2016-2017 class actions centered on a specific documented pattern: collection letters that demand immediate payment while simultaneously informing consumers they have 30 days to validate the debt. That contradiction is not an oversight. Courts have found it to be an FDCPA violation.
If Ingram & Associates has crossed the line with you, call +1-844-638-1122 for a free case review. The Wood Firm PLLC works on contingency. Ingram pays our fees if we win.
Also searched as: Ingram and Associates LLC, I&A debt collection, Ingram Associates, Brentwood, TN, and 800-377-7679 / 615-778-4500. Not to be confused with Clifton Ingram LLP (a UK law firm), Abrams and Associates, Lincoln and Associates, or other unrelated “[Name] & Associates” debt collectors.
Key Takeaways
- Ingram & Associates LLC is at 1720 General George Patton Dr, Brentwood, TN 37027. Registered in Tennessee since 1996 (~29 years). Approximately 50 employees. Healthcare debt focus: collected for UnitedHealth Group and Optum360.
- Primary number: (866) 763-2906 (also 8667632906). Additional numbers: (800) 377-7679 and (615) 778-4500.
- Over 80 federal cases, including a 2016-2017 cluster of class actions alleging that Ingram letters simultaneously demanded immediate payment and stated consumers had 30 days to validate. Courts found this pattern violates the FDCPA’s anti-overshadowing provision.
- Ingram was named as a defendant alongside UnitedHealth Group and Optum360 in 2017 class actions, revealing its role as a healthcare system contractor.
- You may be entitled to up to $1,000 per FDCPA violation. Ingram pays your attorney fees if we win.
Free Case Review: +1-844-638-1122
Who Is Ingram & Associates LLC?
Ingram & Associates LLC is a third-party debt collection agency based at 1720 General George Patton Dr, Brentwood, Tennessee 37027. The company has been registered in Tennessee since 1996. Phone: (615) 778-4500. Approximately 50 employees. Annual revenue estimated at $2.2 million.
Ingram specializes in healthcare debt collection. The company has collected medical bills on behalf of major health systems, including operating as a subsidiary or contractor of Optum360 and UnitedHealth Group. This connection to large healthcare systems explains why so many Ingram contacts involve medical debt specifically.
The company has over 80 federal cases, including a concentrated group of class action lawsuits from 2016 and 2017 that allege a specific, systemic violation: collection letters that simultaneously demanded immediate payment and informed consumers they had 30 days to validate the debt. This is not generic harassment. It is a particular documented legal theory.
The Letters That Started the Lawsuits: Anti-Overshadowing Violations
The most legally significant pattern in Ingram’s history is the anti-overshadowing claim. Under the FDCPA, a collector’s validation notice must be clear and not contradicted or “overshadowed” by other demands in the same communication.
Multiple class action lawsuits allege that Ingram’s letters demanded immediate payment while also stating that the consumer had 30 days to request validation. A consumer who reads “pay now” and “you have 30 days to dispute” in the same letter cannot reasonably understand their rights. Courts have found this type of contradiction to be a federal violation.
Additional claims from the 2017 class actions allege that some letters labeled themselves “second notice” when they were actually the first communication, and that letters failed to clearly identify the original creditor. Both are separate FDCPA violations. Review the top FDCPA violations.
The Federal Lawsuits Against Ingram & Associates
The following class actions and individual cases are documented in federal court records:
- Regan v. Ingram & Associates LLC (2016, NY): Class action alleging deceptive collection letters that contradicted validation rights by demanding immediate payment alongside the 30-day dispute window.
- Welch et al v. Ingram & Associates, Inc. (2016): Class action alleging confusing and deceptive language regarding the consumer’s right to dispute.
- Redding v. Ingram & Associates LLC (2016): FDCPA suit regarding medical debt collection, establishing Ingram’s status as a “debt collector” operating for profit.
- Muhlstock v. Professional Claims Bureau, Inc. et al (2017): Class action naming Ingram as a defendant (as an Optum360 subsidiary), alleging letters failed to properly identify the creditor and evaded validation requirements.
- Candela et al v. Ingram & Associates LLC et al (2017): Class action naming Ingram, UnitedHealth Group, Inc., and Optum360 LLC as co-defendants.
Is Ingram & Associates Harassing You?
Whether You Owe the Debt or Not, We Can Help You
- Up to $1,000 per FDCPA violation
- $500 to $1,500 per illegal robocall under the TCPA
- Attorney fees paid by Ingram if we win
We work on contingency. You pay nothing unless we win.
FREE Case Review: +1-844-638-1122
Ingram & Associates Phone Numbers
Ingram’s primary number is (866) 763-2906. If you searched this number and found this page, Ingram & Associates is calling you about a medical debt.
- (866) 763-2906 (also 8667632906, 866-763-2906, 866.763.2906): Primary toll-free
- (800) 377-7679 (also 8003777679, 800-377-7679, 800.377.7679): Additional toll-free
- (615) 778-4500 (also 6157784500, 615-778-4500, 615.778.4500): Brentwood, TN office
Document every call with date, time, and number. Automated calls to your cell without consent may be separate TCPA violations worth $500 to $1,500 each. Check how many times a collector can legally call per day.
How to Stop Ingram & Associates
1. Examine Any Letter You Received
Given Ingram’s documented pattern, read any collection letter carefully. If the same letter demands immediate payment while also stating you have 30 days to dispute, that contradiction is the specific violation described in the Regan and Welch class actions. Save the original envelope and letter.
2. Request Debt Validation
Certified letter to Ingram & Associates LLC, 1720 General George Patton Dr, Brentwood, TN 37027 within 30 days of first contact. Specifically request the original creditor’s name and a complete itemized balance. Given the Muhlstock lawsuit’s creditor misidentification claim, verify that the creditor name in Ingram’s response matches your own medical records. See our debt validation guide.
3. Verify the Medical Debt
Check your Explanation of Benefits (EOB) from your insurance. Medical debt collectors sometimes pursue balances that insurance should have covered. If your insurer paid the bill and Ingram is still collecting, that is a separate issue. Review what to do when a debt collector contacts you.
4. Send a Cease-and-Desist
Certified mail to the Brentwood address. After receipt, Ingram can only contact you to confirm cessation or notify you of legal action. Review what to say and not say.
5. Call an Attorney
Call +1-844-638-1122. The Wood Firm PLLC stops contact within 48 hours.
Can Ingram & Associates Sue Me or Garnish My Wages?
Ingram can sue you if the medical debt is valid and within your state’s statute of limitations. Tennessee allows 6 years for most written contracts.
Ingram cannot garnish your wages without first suing you, winning, and obtaining a court order. Immediate garnishment threats are violations.
How The Wood Firm PLLC Helps
When Ingram’s letter simultaneously demands payment and states you have 30 days to dispute, sends a “second notice” as the first contact, or fails to identify the original creditor, those are actionable FDCPA claims. When Ingram calls outside legal hours, contacts your workplace after being told to stop, or contacts your family about your debt, those are additional violations under the FDCPA, FCRA, and TCPA.
The Wood Firm PLLC has handled these cases exclusively since 2011. Never represented a creditor. You pay nothing upfront. Contact stops within 48 hours. Learn about how we work for you and why clients choose us. Read the attorney profile.
Real Cases Against Collectors Like Ingram
Client identities are protected.
- Overshadowing violation. A client received a letter demanding immediate payment that also stated they had 30 days to dispute. The Wood Firm PLLC documented the contradiction as an anti-overshadowing violation and recovered statutory damages.
- Misidentified creditor. A collector’s letter named a creditor the client did not recognize. The Wood Firm PLLC demanded validation and the collector could not produce documentation linking the client to that creditor. Statutory damages obtained.
- Workplace calls. A collector continued calling a client’s employer after being told to stop. The Wood Firm PLLC pursued FDCPA claims and obtained damages plus cessation.
Has Ingram & Associates Violated Your Rights?
Whether You Owe the Debt or Not, We Can Help You
Free Consultation – No Upfront Costs – Ingram Pays Our Fees
Frequently Asked Questions About Ingram & Associates
Who is Ingram & Associates LLC?
A healthcare debt collector at 1720 General George Patton Dr, Brentwood, TN 37027. In business since 1996. Approximately 50 employees. Collected medical bills for UnitedHealth Group and Optum360. Over 80 federal cases.
Why is (866) 763-2906 calling me?
That is Ingram & Associates LLC, calling about a medical debt. Other numbers they use: (800) 377-7679 and (615) 778-4500.
Is Ingram & Associates legitimate?
Yes, it is a registered Tennessee entity. However, over 80 federal cases and multiple class actions show a documented pattern of FDCPA violations, particularly letters that contradict consumers’ right to validate.
What is the anti-overshadowing violation in the Ingram lawsuits?
The FDCPA requires that validation rights not be “overshadowed” by contradictory demands. Multiple class actions alleged Ingram letters demanded immediate payment while also stating consumers had 30 days to dispute, making the letter deceptive on its face.
Can Ingram sue me?
Yes, if the medical debt is valid and within the statute of limitations. Tennessee allows 6 years for most written contracts.
How do I stop Ingram from calling?
Cease-and-desist via certified mail to 1720 General George Patton Dr, Brentwood, TN 37027.
Can I sue Ingram & Associates?
Yes. Up to $1,000 in statutory damages per FDCPA lawsuit. Attorney fees paid by Ingram. The Wood Firm PLLC handles these on contingency at +1-844-638-1122.
Take Action Against Ingram & Associates Today
A healthcare debt collector with 80+ federal cases and multiple class actions for a specific, documented letter violation has a clear pattern. The Wood Firm PLLC has handled consumer protection cases exclusively since 2011, works on contingency, and makes Ingram pay.
Call +1-844-638-1122 for a free case review. Browse our list of collection agencies, review our practice areas, or file with the CFPB.
