If you searched 866-763-2906 or 8667632906, Ingram & Associates LLC is calling about a medical debt. Ingram is a Tennessee healthcare debt collector that pursues medical bills for UnitedHealth Group and Optum360. According to federal court records, the company has faced more than 80 lawsuits since 2016.
Key Takeaways
- Ingram & Associates LLC is a Tennessee healthcare debt collector, registered since 1996, that collects for UnitedHealth Group and Optum360
- Primary number: (866) 763-2906. Additional numbers: (800) 377-7679 and (615) 778-4500
- Over 80 federal cases document a specific pattern: letters that demand immediate payment while stating consumers have 30 days to validate
- Courts have found that pattern, called anti-overshadowing, violates the FDCPA’s validation requirements
- Ingram was named alongside UnitedHealth Group and Optum360 in multiple 2016-2017 class actions
- 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 registered in Tennessee since 1996. Company filings list its office at 1720 General George Patton Dr, Brentwood, TN 37027. Separate public records also list a Franklin, TN office at 1009 Windcross Court, Franklin, TN 37067.
The company specializes in healthcare debt and has operated as a contractor for Optum360 and UnitedHealth Group. Also searched as Ingram and Associates LLC or I&A debt collection, this is the same company.
It is not Clifton Ingram LLP, a UK law firm. It is also not affiliated with other unrelated “Ingram & Associates” businesses in different industries or states.
In our practice, we request the original creditor documentation on every Ingram file. Multiple lawsuits allege the company’s letters failed to clearly identify who the debt was owed to. Comparing that documentation against your own records often resolves the question fast.
Contact information:
- Also known as: Ingram and Associates LLC, I&A debt collection, Ingram Associates
- Registered: Tennessee, since 1996
- Specialty: Healthcare debt, collected for UnitedHealth Group and Optum360
- Address: 1720 General George Patton Dr, Brentwood, TN 37027 (also documented: 1009 Windcross Court, Franklin, TN 37067)
- Not affiliated with: Clifton Ingram LLP (UK), Abrams and Associates, Lincoln and Associates
Ingram & Associates Phone Numbers
Ingram’s primary number is (866) 763-2906. If this number called you, Ingram & Associates is contacting you about a medical debt.
- Primary toll-free: (866) 763-2906 | 866-763-2906 | 866.763.2906 | 8667632906 | +1-866-763-2906
- Additional toll-free: (800) 377-7679 | 800-377-7679 | 800.377.7679 | 8003777679 | +1-800-377-7679
- Brentwood, TN office: (615) 778-4500 | 615-778-4500 | 615.778.4500 | 6157784500 | +1-615-778-4500
Document every call with the date, time, and number. An automated call to your cell without consent may be a separate TCPA violation worth $500 to $1,500. Check how many times a collector can legally call per day.
Why Is Ingram & Associates Calling You?
Ingram is calling because a hospital, physician group, or healthcare system placed your account for collection. As a contractor for UnitedHealth Group and Optum360, Ingram handles medical debt almost exclusively. If you do not recognize the balance, verify it against your insurance explanation of benefits before engaging further.
The Letters That Started the Lawsuits
The most significant pattern in Ingram’s history is the anti-overshadowing claim. Under the FDCPA, a validation notice must be clear. It cannot be contradicted by other demands in the same letter. Multiple class actions allege Ingram’s letters demanded immediate payment while also stating consumers had 30 days to validate.
A consumer reading “pay now” alongside “you have 30 days to dispute” cannot reasonably understand their rights. Courts have found this type of contradiction to be a federal violation. Additional claims allege some letters printed validation notices only on the back. Other letters allegedly failed to identify the original creditor.
Is Ingram & Associates a Scam?
Ingram & Associates is a real, registered Tennessee debt collector, not a scam. Its documented litigation history involves specific FDCPA claims, primarily letter formatting issues, not fraud or impersonation. Over 80 federal cases point to a real compliance pattern worth taking seriously.
A letter from Ingram that feels contradictory may reflect the exact anti-overshadowing issue courts have already found in this company’s letters.
Is Ingram & Associates Banned by the FTC?
No. Ingram & Associates is not banned from operating in the United States. The company has instead faced sustained legal scrutiny through private FDCPA class actions and individual lawsuits, not an FTC action.
In our experience, consistent private litigation can carry more real exposure than a single regulatory action. Ingram’s 80-plus federal cases reflect that sustained pattern.
Federal Lawsuits Against Ingram & Associates
Yes. Ingram has faced numerous federal lawsuits centered on deceptive collection letters.
- Regan v. Ingram & Associates LLC, No. 1:16-cv-06449 (S.D.N.Y. 2016): alleged letters demanded immediate payment while also stating a 30-day validation window.
- Welch et al v. Ingram & Associates, Inc. (2016): alleged confusing, deceptive language about consumers’ dispute rights.
- Shaak v. UnitedHealth Group and Ingram & Associates (2017): a documented class action alleging the letters overshadowed required validation notices.
- Shuler v. Ingram Associates (N.D. Ala.): an individual suit alleging invasion of privacy, fraudulent misrepresentation, and defamation tied to aggressive collection tactics.
- Related ARStrat, LLC litigation: a separate suit alleges consumers got paperwork falsely claiming prior placement with Ingram.
In our practice, we treat the anti-overshadowing pattern from these cases as a starting checklist. We compare your specific Ingram letter against exactly what these courts already found deceptive.
How to Stop Ingram & Associates
Given this documented letter pattern, examine any correspondence carefully before responding.
- Review your letter. A letter demanding payment while also citing a 30-day window matches the Regan and Welch allegations. Save the original envelope.
- Request written validation within 30 days. Ask for the original creditor’s name and an itemized balance. See our debt validation guide.
- Verify the medical debt against your insurance explanation of benefits. Review what to do when a debt collector contacts you.
- Send a cease-and-desist by certified mail. Review what to say and not say to a collection agency.
- Call an attorney. 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 six years for most written contracts. Ingram cannot garnish your wages without first suing you, winning, and obtaining a court order.
In our practice, we check the county docket before responding to any lawsuit threat. Most threats never turn into an actual filing.
How The Wood Firm PLLC Helps
An Ingram letter that demands payment while citing a 30-day window is an actionable FDCPA claim. So is one that hides validation on the back or fails to identify the creditor.
Calls to your workplace after being told to stop, or to your family, add violations under the FDCPA, FCRA, and TCPA.
The Wood Firm PLLC has handled these cases exclusively since 2011 and has never represented a creditor. A review costs nothing upfront, and Ingram pays our fees if we win. Learn about how we work for you and why clients choose us. Call +1-844-638-1122.
Whether you owe the debt or not, a review can identify violations worth pursuing. Visit our contact page or call +1-844-638-1122 for a free case review. The Wood Firm PLLC works on contingency. If Ingram violated federal law, Ingram pays our fees, not you.
Frequently Asked Questions About Ingram & Associates
Who is Ingram & Associates LLC?
A Tennessee healthcare debt collector registered since 1996. It has collected medical bills for UnitedHealth Group and Optum360, and has faced more than 80 federal cases.
Why is (866) 763-2906 calling me?
That is Ingram & Associates LLC, calling about a medical debt. The company also uses (800) 377-7679 and (615) 778-4500.
Is Ingram & Associates legitimate?
Yes, it is a registered Tennessee entity. More than 80 federal cases document a pattern of letters that allegedly contradict consumers’ validation rights.
What is the anti-overshadowing violation in the Ingram lawsuits?
The FDCPA requires that validation rights not be contradicted by other demands in the same letter. Multiple class actions allege Ingram’s letters demanded immediate payment while also citing a 30-day validation window.
Can Ingram sue me?
Yes, if the medical debt is valid and within Tennessee’s six-year statute of limitations for written contracts.
Can I sue Ingram & Associates?
Yes. FDCPA violations carry up to $1,000 in statutory damages, and Ingram pays your attorney fees if you win. The Wood Firm PLLC handles these cases on contingency.
Take Action Against Ingram & Associates Today
A healthcare debt collector with 80-plus federal cases and a documented letter pattern deserves a closer look at your file. Browse our list of collection agencies or review our practice areas. You can also file with the CFPB. Call +1-844-638-1122 to have your file reviewed.
Jeff Wood represents consumers exclusively, never creditors or collectors. He holds federal court admissions across 9 districts, including all courts of AR, CO, NM, and TX. He practices from Little Rock, AR.
