NPAS Solutions operates as a third-party debt collection agency based in Earth City, Missouri, specializing in medical debt recovery for hospitals and healthcare providers. If they’re contacting you with multiple daily calls, threats of legal action, or discussions of your debt with family or employers, you may be experiencing harassment that violates the Fair Debt Collection Practices Act (FDCPA).
The FDCPA prohibits debt collectors from using abusive, threatening, or harassing tactics. If NPAS Solutions violates your rights, you could recover up to $1,000 in statutory damages plus actual damages for emotional distress and attorney fees paid by the collector.
The Wood Law Firm specializes in stopping debt collection harassment and holding collectors accountable. Call +1 844-638-1122 for a free consultation to discuss your situation.
Who Is NPAS Solutions?
NPAS Solutions, LLC is a debt collection agency that recovers unpaid medical debts on behalf of hospitals, medical facilities, and healthcare providers. Despite being a legitimate business, the company faces numerous consumer complaints about aggressive collection tactics.
Company Information:
Address: 111 Corporate Office Drive, Suite 200, Earth City, MO 63045
Phone: (866) 258-1104
Known Phone Numbers:
- (866) 258-1104
- (800) 223-9899
- (877) 250-2577
If you’ve received calls from these numbers, document every interaction, including dates, times, and conversation content. This documentation becomes critical evidence for potential FDCPA violation claims.
Common Harassment Tactics Used by NPAS Solutions
NPAS Solutions may use aggressive tactics that cross legal boundaries. Understanding these methods helps you identify when harassment occurs.
Repeated Phone Calls: Multiple daily calls, often from different numbers, designed to pressure you into paying. Courts have found 7-10 calls per day potentially excessive and harassing under FDCPA guidelines.
Threatening Legal Action: Threats of lawsuits, wage garnishment, or arrest are often empty and designed to intimidate. Debt collectors cannot threaten legal action they don’t intend to pursue or lack the authority to take.
Contacting Third Parties: Calling relatives, friends, or employers to discuss your debt violates FDCPA privacy protections. Collectors may only contact third parties to locate you and must not reveal they’re collecting a debt.
Failing to Provide Debt Validation: Under the FDCPA, you have the right to request written debt validation. Refusing to provide proper documentation violates federal law.
If you’ve experienced these tactics, contact a consumer protection attorney at +1 844-638-1122 to discuss your legal options.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act provides robust protections against abusive debt collection practices.
- Right to Be Free from Harassment: Debt collectors cannot use abusive, threatening, or harassing language. They cannot call before 8:00 AM or after 9:00 PM in your time zone.
- Right to Request Debt Validation: You can demand written validation, including the debt amount, original creditor’s name, and account history. NPAS Solutions must provide this information within five days of first contact.
- Right to Cease Communication: You can legally request that NPAS Solutions stop contacting you by sending a written cease-and-desist letter via certified mail. Once received, they can only contact you to confirm cessation or notify you of specific legal actions.
- Right to Sue for Violations: If NPAS Solutions violates your rights, you can file a lawsuit seeking up to $1,000 in statutory damages per violation, plus actual damages for emotional distress and attorney fees paid by the collector.
Also read: Recovery Solutions Group Debt Collection Harassment
Four Steps to Stop NPAS Solutions Harassment
Step 1: Document Everything
Create detailed records of every interaction with NPAS Solutions:
- Log all phone calls with date, time, duration, and representative’s name
- Save all written communications, including emails, letters, and text messages
- Record harassment instances, including threats, offensive language, or repeated calls
- Note how the contact affected you emotionally and practically
This documentation demonstrates harassment patterns and strengthens your case if you pursue legal action.
Step 2: Request Debt Validation
Send a written validation request to NPAS Solutions via certified mail demanding:
- Information about the original creditor
- The total amount owed, witha breakdown of fees
- Relevant account details and documentation
- Proof that they have the authority to collect the debt
NPAS Solutions must respond within 30 days. Without proper validation, they cannot legally continue collection efforts.
Step 3: Send a Cease-and-Desist Letter
If harassment continues, send a cease-and-desist letter via certified mail stating: “Under 15 U.S.C. § 1692c, I demand that NPAS Solutions cease all communication with me regarding this alleged debt.”
Include your name, contact information, and account number if known. Keep copies of the letter and mailing receipt. Once NPAS Solutions receives your letter, they must stop all communication except to notify you of legal actions.
Step 4: Contact a Consumer Protection Attorney
If NPAS Solutions continues harassment despite your efforts, professional legal intervention becomes necessary. Experienced attorneys can stop the harassment by taking over all communication, documenting FDCPA violations, building your case, filing lawsuits seeking statutory damages and attorney fees, and helping you seek compensation for damages.
Most consumer protection attorneys work on contingency, meaning you pay nothing unless they recover damages. Call +1 844-638-1122 for a free consultation.
Also read: Action Collection Agency Debt Harassment
About The Wood Law Firm
At The Wood Law Firm, our mission is to protect consumers from predatory practices and ensure they receive fair treatment under federal law. We specialize in cases involving the Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), and Telephone Consumer Protection Act (TCPA). For over a decade, we have worked to hold companies accountable and secure justice for our clients.
Choosing The Wood Law Firm means partnering with a team deeply committed to protecting your consumer rights. We understand the stress and frustration that come with facing potentially unfair collection practices, and we stand by your side throughout the process. Our personalized approach, combined with extensive experience and national reach, makes us equipped to handle your consumer protection needs.
The Wood Law Firm has cultivated strong Of Counsel relationships with attorneys licensed in Arizona, California, Florida, Louisiana, Minnesota, Missouri, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Washington, and West Virginia.
About Attorney Jeff Wood
Jeff Wood is an accomplished attorney based in Arkansas, where he is fully licensed to practice law. With over 15 years of experience, Mr. Wood specializes in consumer protection, focusing on cases involving the Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), and Telephone Consumer Protection Act (TCPA).
His commitment to defending consumer rights has helped countless clients find relief from potentially unlawful debt collection practices.
Real Client Outcomes
Case Study: Excessive Calling Pattern Stopped
Maria received 12-15 calls daily from NPAS Solutions for nearly three weeks about a disputed $800 medical debt. After contacting The Wood Law Firm, we documented the excessive calling pattern and sent a cease-and-desist letter. When calls continued, we filed an FDCPA complaint. NPAS Solutions settled for $2,200 in statutory damages plus our attorney fees, and the debt was removed from Maria’s credit report.
Case Study: Third-Party Disclosure Violations
NPAS Solutions called David’s workplace seven times in ten days despite David informing them on the first call that his employer prohibited personal calls. The Wood Law Firm documented these violations and negotiated a $1,800 settlement. David’s employer withdrew a formal warning after reviewing our legal documentation.
Case Study: False Legal Threats
NPAS Solutions threatened Jennifer with immediate arrest and wage garnishment without a court judgment. These false threats violated the FDCPA. The Wood Law Firm filed suit, and Jennifer received $2,100 in damages. NPAS Solutions was required to cease all collection activity on the account.
Frequently Asked Questions
Is NPAS Solutions a legitimate company?
NPAS Solutions is a legitimate third-party debt collection agency specializing in medical debt recovery. However, legitimacy doesn’t guarantee legal collection practices. Consumer complaints and lawsuits suggest they may use aggressive tactics that violate the FDCPA.
Why is NPAS Solutions calling me?
NPAS Solutions is likely contacting you to collect an unpaid medical debt on behalf of a hospital or healthcare provider. Before making any payment, request written debt validation to confirm the debt’s legitimacy and accuracy.
Can NPAS Solutions contact my employer or family?
No. Contacting third parties about your debt without consent violates the FDCPA. They may only contact others to locate you and must not reveal they’re debt collectors or discuss your debt.
How do I request debt validation from NPAS Solutions?
Send a written request via certified mail within 30 days of first contact, asking for the original creditor’s name, the amount owed, and supporting documents. NPAS Solutions must stop collection until providing proper verification.
Can I stop NPAS Solutions from calling me?
Yes. Send a written cease-and-desist letter via certified mail. Once received, they must stop contacting you except to confirm cessation or notify you of specific legal actions.
Can I sue NPAS Solutions for harassment?
Yes. Under the FDCPA, you can sue for up to $1,000 in statutory damages per violation, plus actual damages for emotional distress and attorney fees paid by the collector.
Can NPAS Solutions report to credit bureaus?
Yes. They can report unpaid debts to credit bureaus, which may lower your credit score by 50-100 points and remain on your report for up to seven years.
Can NPAS Solutions garnish my wages?
NPAS Solutions can only garnish wages after filing a lawsuit, winning a court judgment, and obtaining a separate wage garnishment order. Threats of immediate garnishment without a judgment violate the FDCPA.
How many times can NPAS Solutions legally call me per day?
While the FDCPA doesn’t specify exact limits, courts have found 7-10 calls per day potentially excessive. The FDCPA generally limits collectors to about seven calls per week per debt. Document excessive calling patterns as evidence of harassment.
Take Action Today
You don’t have to endure harassment from NPAS Solutions. The FDCPA provides powerful tools to stop illegal practices and recover compensation.
Call +1 844-638-1122 for a free consultation. We will review your situation, identify FDCPA violations, stop the harassment immediately upon retention, and pursue maximum compensation through settlement or litigation. We work on contingency, meaning you pay nothing unless we win your case.
FDCPA claims must typically be filed within one year of violations. Don’t delay. Contact us today to protect your rights and hold NPAS Solutions accountable.
Additional Resources
Missouri Attorney General Consumer Protection – State consumer protection and complaint filing
