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How To Deal With Revco Solutions

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In a Nutshell

Revco Solutions is a consumer debt collector and primarily collects past-due medical bills for its clients. In some cases, they also collect other types of consumer debt. If Revco Solutions contacts you, ask them to validate the debt before you do anything else. If they prove the debt is valid, you can decide how to proceed. You can dispute the debt, pay it in full, or negotiate the amount down.

Written by the Upsolve Team
Updated August 21, 2024


What Is Revco Solutions?

Revco Solutions LLC is a debt collection agency that primarily helps companies like hospitals collect healthcare bills. They also collect debts for retail, utility, and finance companies as well as commercial businesses and government entities. Though they act as a sort of middle-man, you can pay them directly. 

If you need to speak with a Revco representative, you can call 855-202-0113 or send an email to mail@revcosolutions.com. You can also get assistance by filling out an online form.

Revco collects debts from consumers across the U.S. They have physical offices in Jacksonville, Florida; Columbus, Ohio; and Durham, North Carolina. 

Why Is Revco Solutions Contacting Me?

Revco Solutions LLC is likely contacting you because a medical provider, utility company, or other company asked them to collect a past-due bill from you. 

If you’re being contacted about a past-due medical bill that you thought your health insurer paid, you may need to contact your insurance company to see what they did and didn’t cover. Upsolve’s Guide To Dispute or Reduce Expensive Medical Bills can help you understand what to ask.

Is Revco Solutions Legit?

Yes, Revco Solutions is a legit debt collection company, but many consumers have filed complaints against them with two of the biggest consumer protection agencies — the Better Business Bureau (BBB) and the Consumer Financial Protection Bureau (CFPB).

Unlike many other debt collectors, Revco isn’t accredited by the BBB but is still provided a grade and customer rating. The BBB rates Revco Solutions as a “B+,” but their customer rating is just 1.04 stars (out of 5). Further, in the last three years, there have been more than 110 complaints filed against Revco with the BBB, and the CFPB has fielded over 300 complaints for “Revco Management, LLC” since December 2011.

Several customer complaints* allege the following:

  • The company has made false or misleading statements to the consumer about the debt or the consequences of not paying the debt.

  • The company has tried to collect a debt the consumer doesn’t owe.

  • Company representatives have used abusive language or harassment.

  • The company hasn’t validated debts upon request.

The Fair Debt Collection Practices Act (FDCPA) prohibits third-party debt collectors from harassing or misleading consumers. This is a federal law that protects consumers across the U.S. If you believe Revco or any other debt collector has violated the FDCPA, you have the right to file a complaint or sue the debt collector for compensation.

*Note to reader: These reviews and complaints highlight relevant issues, but they may not represent all consumers’ experiences.

How Do I Know if I’m Being Scammed?

Revco Solutions is a real company, but scammers may use their name or the name of another legitimate debt collector to try to trick you into giving them personal information. 

Be wary of anyone who asks for your full bank account information or Social Security number, or who asks you to send money but refuses to answer your questions about the account. You can avoid debt collection scams by learning about common red flags.

Do I Have To Pay Revco Solutions?

You might have to pay Revco Solutions, but before you do, you need to validate the debt!

Debt validation helps you double-check that the debt amount is accurate and that Revco Solutions has the authority to collect it from you. When debts are transferred between original creditors and debt collection agencies, mistakes can happen. This is why it’s important to exercise your right to have Revco validate the details of your debt. Here’s how.

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Step 1: Send a Debt Verification Letter

Revco Solutions and other debt collectors are required to send you a debt validation letter when they first contact you or within five days of their first contact with you. If you haven’t received this letter, request one. 

The debt validation letter should tell you the details of the debt account and inform you of your right to dispute the debt within 30 days. If you file a dispute, Revco must pause all debt collection efforts while the dispute is in process. 

If Revco Solutions doesn’t validate the debt within the 30-day window, you probably don’t need to pay them. If Revco Solutions validates the debt, then you can decide what happens next. 

If the validation notice doesn’t include all the information you need, you can send a debt verification letter asking for further information. This is also the letter you can use to dispute the debt, if needed.

Debt Validation Vs. Debt Verification Letters

Step 2: Decide What To Do Next

Once Revco has validated the debt, choose your next step. You can:

  • Dispute the debt if you disagree with it.

  • Pay the debt in full.

  • Negotiate a debt settlement to pay less than you owe and close the account for good.

  • Ignore the debt (but this isn’t recommended because it comes with serious consequences).

Option 1: Dispute the Debt

If Revco Solutions validates the debt but you disagree with any detail of the debt, it’s your right to dispute it. For example, you might agree you owe the debt but you disagree with the amount they say you owe. Or, maybe you don’t owe the debt at all, and they got the account holder's information wrong.

If you file a debt dispute, it’s smart to check your credit report, too. If a debt collector has incorrect information, there’s a good chance that they reported that information to the major credit bureaus. And if that happens, it can hurt your credit score.

The Fair Credit Reporting Act (FCRA) gives you the right to dispute credit report errors. To dispute a credit report error, send a 609 letter to any of the major credit report bureaus — Experian, TransUnion, and Equifax. 

Regardless of what happens with your account with Revco, medical debts shouldn’t appear on your credit report unless they’re greater than $500 and older than one year.

Option 2: Negotiate the Debt and Make a Settlement Offer

Paying the debt in full is the simplest way to handle it and leave your debt in the past. But many people with big medical bills can’t afford to do that. If this sounds like you, remember that you can try to negotiate a settlement offer. If you’re successful, you may end up paying just 40% to 60% of the original amount.

Why are debt collectors open to negotiations? They don’t get paid unless you pay them. So they are motivated to figure out how to get paid and close the account. This often means that they’re willing to accept less than the full amount.

To find out more on how to complete these negotiations, check out Upsolve’s Guide to Beating Revco Solutions.

Can You Negotiate Every Past-Due Debt?

You can’t negotiate all consumer debts, but it’s quite common to negotiate medical debt and healthcare bills. Additionally, past-due personal loans, utility bills, and credit card debt are also often negotiable. You can even negotiate past-due tax debt with the IRS.

That said, some debt isn’t usually negotiable. Home mortgages and car loans are two common examples of non-negotiable debt. These debts are backed by property that the lender can take back if you don’t pay the loan, which is why lenders aren’t typically motivated to negotiate.

Additionally, federal student loan debt isn’t usually negotiable. If you’re struggling to pay your student debt, check out student loan forgiveness programs.

Ignoring the debt is theoretically an option, but it’s not a good idea. It can lead to bigger problems and even more stress in the long run.

What Happens if I Ignore Revco Solutions?

Debt collectors like Revco don’t give up easily. If you ignore a debt collection agency, your credit score will likely suffer and your debt may actually increase as interest and fees are added. 

Worst-case scenario: You could be sued and have your wages garnished. Debt collectors can sue you as long as the statute of limitations hasn’t expired for the debt. 

This may feel unnerving, but you have more power here than you might think! Many debt collection tactics rely on consumers not knowing or exercising their rights. By reading this article, you’ve put yourself in a better position to identify improper debt collection efforts or negotiate a debt settlement agreement. 

You can find out more about your options by reading Upsolve’s Guide to Beating Revco Solutions.

Can Revco Solutions Sue Me?

It’s possible for Revco Solutions to sue you. They probably won’t though, because most of the debts they try to collect belong to the original creditor. If you do get sued, the lawsuit will likely come from the original creditor, not Revco. 

When deciding whether to sue a consumer, debt collectors usually consider factors such as:

  • How expensive the lawsuit will be

  • How much you owe

  • How old the debt is 

  • How easy or difficult it will be for them to get a wage garnishment order

If you get sued, you’ll probably get served with a copy of the complaint and summons by mail or in person. After you get these court documents, you have a limited amount of time to file a response. It’s important to respond to the lawsuit or you’ll probably lose since you didn’t defend yourself.

Many people can answer the summons without hiring a lawyer to help. If you're worried about responding on your own, but you can't afford a lawyer, you can draft a answer letter for free or a small fee using our partner SoloSuit. They've helped 234,000 people respond to debt lawsuits, and they have a 100% money-back guarantee.

Let’s Summarize…

Revco Solutions LLC is a legit debt collection agency. If they contact you, they’re probably trying to collect a past-due healthcare or utility bill from you on behalf of the utility company or healthcare provider. Before you pay anything, it’s good to ask Revco to validate the debt. 

If they’re able to verify the debt, you can decide whether to dispute it, pay it, or try to settle it for less than the original amount. If you ignore the debt collector, you risk lowering your credit score or facing a lawsuit.



Written By:

The Upsolve Team

Upsolve is fortunate to have a remarkable team of bankruptcy attorneys, as well as finance and consumer rights professionals, as contributing writers to help us keep our content up to date, informative, and helpful to everyone.

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