How To Deal With Capio Partners

What Is Capio Partners LLC?

Capio Partners LLC is a third-party debt collection agency that specializes in collecting medical debt. They work with hospitals, doctors’ offices, and other healthcare providers to recover unpaid medical bills. The company is based in Sherman, Texas, and also has an office in Lawrenceville, Georgia.

Here’s how to contact them:

📞 Phone number: 888-502-0303

📍 Mailing address: Capio Partners, LLC 3400 Texoma Parkway, Suite 100 Sherman, TX 75090

Why Is Capio Partners Contacting Me?

Capio Partners is likely reaching out because a medical provider hired them to collect an unpaid bill on their behalf. This could be from a hospital visit, ambulance ride, clinic appointment, or other healthcare service.

Most healthcare providers try to collect payment on their own first. If they can’t reach you or aren’t able to resolve the balance, they may bring in a collection agency like Capio Partners. Once Capio Partners takes over, they become your main point of contact for questions or payment options.

Is Capio Partners Legit?

Capio Partners is a legitimate third-party debt collector, but many consumers have filed complaints against them. 

As of late 2025, Capio Partners isn’t accredited by the Better Business Bureau (BBB), but they do have a profile on the BBB website with a “B” rating. Their consumer review rating on BBB is 1.1 out of 5 stars, with over 400 complaints filed in the past three years.

The Consumer Financial Protection Bureau (CFPB) has also received more than 500 complaints about Capio Partners in the past year alone.

Here are some common issues people have reported:

• Capio Partners tried to collect a debt they didn’t owe.

• The amount they claimed was incorrect.

• They didn’t provide enough information to verify the debt.

• They made frequent or repeated calls.

🛡️ These complaints may point to common violations of the Fair Debt Collection Practices Act (FDCPA). This federal law protects your rights when dealing with third-party debt collectors. It bans harassment and deceptive practices, and it requires collectors to send a written notice with details about the debt.

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

Is Capio Partners a Scam?

Capio Partners is a legitimate debt collection agency, but scammers sometimes pretend to be from real companies to trick people into sending them money or sharing personal details. That’s why it’s important to know the warning signs of a debt collection scam.

If someone contacts you claiming to be a debt collector, it’s normal to feel cautious. Legitimate collectors usually need to confirm they’re speaking with the right person before sharing account details, but you also shouldn’t give out personal information until you know the call is real.

If something feels off — like the caller pressures you to pay immediately or asks for sensitive information, such as your bank account or Social Security number — ask for their name, company, and callback number. Then hang up and contact Capio Partners directly.

Do I Have To Pay Capio Partners LLC?

It depends on whether the debt is valid and actually belongs to you. Start by reviewing the debt validation letter Capio Partners is required to send. It should include important information like the name of the original medical provider and the amount owed.

If you haven’t received the letter or it doesn’t include enough details to confirm the debt, you can request more information.

Let’s look at how to do that.

Step 1: Send a Debt Verification Letter

Third-party debt collectors like Capio Partners are required by law to send you a debt validation letter either with their first contact or within five days of it. 

📄 This letter should include:

• The amount of the debt

• The name of the original creditor

• A notice explaining your right to dispute the debt within 30 days, along with instructions for how to do so

📆 Once you receive the letter, you have 30 days to dispute the debt in writing. During that time, Capio Partners must pause collection efforts. If they can’t verify the debt or don’t respond, they should stop all further collection activity. In that case, you typically shouldn’t have to pay.

If the validation letter is missing details or leaves you with questions, you can send Capio Partners a debt verification letter. This gives you the chance to request documents that confirm that the debt is accurate and that Capio Partners has the legal right to collect it.

Step 2: Decide What To Do Next

If Capio Partners has validated your debt, your next step is to decide how to move forward. You can:

• Dispute the debt if you disagree with it.

• Make a debt settlement offer (or pay the debt in full, if you’re able).

• Ignore the debt (but this comes with serious consequences, so it’s not recommended).

🔎 Let’s explore each of these options in more detail.

Option 1: Dispute the Debt

If you don’t agree with the amount Capio Partners says you owe, the account doesn’t belong to you, or you (or your medical insurance company) already paid off the account, you can dispute the debt.

📝 Instructions for disputing the debt are usually included in the debt validation letter. You can also check out Upsolve’s Guide To Disputing a Debt You Don’t Owe for step-by-step help.

Check Your Credit Report, Too

When a debt collector has incorrect information, that same information often shows up on your credit reports because they’ve reported it to the credit bureaus. Reviewing your credit reports gives you the chance to catch these errors early and take steps to protect your credit.

🧾 Under the Fair Credit Reporting Act (FCRA), you’re entitled to free weekly credit reports from each of the three major credit bureaus — Equifax, Experian, and TransUnion. You can request them at AnnualCreditReport.com.

If you find an error, file a dispute directly with the credit bureau that’s reporting it. You can also send a 609 letter to request more information about a specific item on your credit report. Doing so doesn’t guarantee removal, but it can help you confirm whether the information is accurate or should be challenged.

Option 2: Negotiate the Debt and Make a Settlement Offer

If you agree the debt is valid but can’t afford to pay the full amount, you may be able to settle the account for less or arrange a payment plan that works for your budget. Since Capio Partners typically only gets paid if they recover money, they’re often open to resolving the debt for less than the full balance.

Many collectors settle for 40% to 60% of the original amount owed, but you can start negotiations even lower. It may take a few rounds to reach an agreement, and it’s important to get everything in writing before you make a payment. 

If you're not sure how to begin, Upsolve’s free settlement offer letter template can help you draft your first offer.

🧮 If a lump-sum payment isn’t possible, Capio Partners also offers a tool called the BuoyFi Calculator, which helps you explore income-based repayment options based on your financial situation. 

For a deeper look at how to negotiate a successful settlement, check out our guide, How To Win Against Capio Partners.

Option 3: Ignore the Debt (Not Recommended)

While ignoring the debt is technically an option, it’s not recommended. Avoiding Capio Partners probably won’t make your debt go away, and it might make your life more stressful in the long run.

While medical debt under $500 shouldn’t appear on your credit report (or hurt your credit score), Capio Partners could ramp up their collection efforts if you ignore them. For example, they could file a debt collection lawsuit against you to try to get a wage garnishment order from the court. 

That can make things more expensive, too, as court costs and legal fees often get added to your balance.

💡 Bottom line: Your future self will thank you for dealing with the debt now. Whether you choose to dispute it or negotiate a settlement, taking action can help you close the account for good.

Can Capio Partners Sue Me?

Yes. Third-party debt collectors (and original creditors, too) are allowed to sue you for unpaid debt. But lawsuits are usually a last resort after other collection attempts have failed.

📄 If Capio Partners does take legal action, you’ll receive two official court documents: a summons and a complaint. These are typically delivered in person or left with an adult at your home. They explain that you’re being sued and why.

🚨 If this happens, it’s crucial to respond. If you don’t, you could lose the case by default, and the debt collector may get a court order to garnish your wages. Responding doesn’t mean you agree with the debt. It just protects your rights and gives you a chance to tell your side.

If you're worried about responding on your own, but you can't afford a lawyer, you can draft an answer letter for free or a small fee using our partner SoloSuit. They've helped hundreds of thousands of people respond to debt lawsuits, and they have a 100% money-back guarantee.

SoloSuit is an affiliate partner, which means Upsolve may earn a small commission if you choose to use their paid service. This helps keep our services free.

Let’s Summarize…

Capio Partners LLC is a legitimate third-party debt collector that handles past-due medical bills. If they contact you, make sure the debt is validated before taking any action.

If the debt is valid and you agree you owe it, you can either set up a payment plan or try to negotiate a settlement. If you believe the debt is incorrect or not yours, you have the right to dispute it.

While Capio doesn’t appear to sue consumers often, they can take legal action. Responding early puts you in a better position to protect your rights and resolve the debt on your terms.