How To Deal With Revco Solutions

What Is Revco Solutions?

Revco Solutions, also known as Revco Management, is a debt collection agency that works with healthcare providers to collect unpaid medical bills. Their main focus is helping hospitals and medical offices recover money from patients with overdue accounts.

📞 Here’s how to contact them: Phone: 855-202-0113 Email: mail@revcosolutions.com Online form: https://revcosolutions.com/contact-us/

Mailing address: Revco Solutions, LLC P.O. Box 272 Durham, NC 27702

📍 Revco has physical offices in Durham, North Carolina; Columbus, Ohio; and Jacksonville, Florida.

Why Is Revco Solutions Contacting Me?

Revco Solutions is likely contacting you because a hospital, clinic, or other healthcare provider hired them to collect a past-due medical bill. Since they’ve taken over the collection process, Revco is now your main point of contact for questions about the balance, payment options, or resolving the debt.

That said, if you're being contacted about a medical bill you thought your health insurance already covered, it’s a good idea to call your insurance provider to confirm what was paid and what wasn’t. Sometimes insurance adjustments or billing errors can lead to unexpected balances.

👉 If you're not sure where to start, Upsolve’s Guide to Disputing or Reducing Expensive Medical Bills can help you figure out what questions to ask and what steps to take.

Is Revco Solutions Legit?

Yes, Revco Solutions is a legitimate debt collection company. They’re not accredited by the Better Business Bureau (BBB), and as of late 2025, their BBB profile doesn’t show any customer reviews or ratings.

However, many consumers have filed complaints about Revco in the Consumer Financial Protection Bureau (CFPB) complaint database. These complaints* often describe issues such as:

• Attempts to collect debts that were already paid or not owed by the person contacted

• Incorrect account balances

• Failure to validate debts upon request

• Using aggressive or harassing language during collection efforts

🛡️ The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects you from abusive or misleading tactics by debt collectors. If you think Revco — or any debt collector — has violated your rights under this law, you can file a complaint with the CFPB or even consider taking legal action.

*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 sometimes pretend to be legitimate debt collectors to trick people into sending money or giving away personal information.

🚩 If someone contacts you and refuses to answer basic questions about the debt, pressures you to pay immediately, or asks for sensitive information like your bank account or Social Security number, that’s a red flag. These are common tactics used in debt collection scams.

If something feels off, it’s okay to pause and ask for written proof of the debt. You have the right to verify the debt before sending any money.

Do I Have To Pay Revco Solutions?

You may have to pay Revco Solutions, but before you do so, it’s important to confirm that the debt is accurate and that Revco is authorized to collect it.

When a debt is transferred from the original provider to a collection agency, important details can get lost or mixed up. This can lead to things like the wrong balance being reported or the wrong person being contacted. That’s why debt collectors are required to send a debt validation letter with basic information about the debt and your rights.

Step 1: Send a Debt Verification Letter

Debt collectors must send you a validation letter either with their first communication or within five days of first contacting you. If you didn’t get one, you can request it.

📄 The validation letter should include the amount owed, the name of the original creditor, and a notice that you have the right to dispute the debt within 30 days. If you dispute it, Revco must stop collection efforts while they investigate.

If they can’t validate the debt, you likely don’t have to pay it. If they do validate it, you can decide whether to pay it, dispute it further, or explore other options.

If the letter you received is missing details or raises more questions, you can send Revco a debt verification letter to ask for additional information or formally dispute the debt.

Step 2: Decide What To Do Next

Once Revco validates the debt, you can decide how you want to handle it. You have a few options:

• Dispute it if you believe something is wrong.

• Pay it in full to close the account.

• Try to settle for less than the full amount.

• Ignore it (not recommended because that comes with serious consequences).

Option 1: Dispute the Debt

If Revco confirms the debt but you disagree with any part of it, you have the right to dispute it. For example, you might agree that you owe something but think the balance is wrong. Or you might not owe the debt at all because they’ve confused you with someone else.

📃 If you dispute the debt, it’s a good idea to check your credit reports, too. If Revco has incorrect information, they may have reported that information to the credit bureaus. And if that happens, it can hurt your credit score.

👉 You can get a free credit report every week from each of the three major credit bureaus — Experian, TransUnion, and Equifax — by visiting AnnualCreditReport.com.

If you find errors, you can file a dispute directly with the credit bureau that’s reporting the inaccurate information with a 609 letter. This is a dispute letter that asks the credit bureau to show proof of the debt and how they verified it.

Option 2: Negotiate the Debt and Make a Settlement Offer

Paying the debt in full is the most straightforward way to resolve a debt. But for many people with large medical bills, that’s just not realistic. If you can’t afford to pay the full balance, you may be able to negotiate a settlement and pay less than you owe.

🤝 Debt collectors are often willing to settle because they don’t get paid unless you pay them. Their goal is to close the account and recover as much as possible, even if it’s not the full amount. In some cases, people are able to settle for 40% to 60% of the original balance.

If you want to learn more, Upsolve’s guide How To Win Against Revco Solutions walks you through the negotiation process step by step.

Option 3: Ignore the Debt (Not Recommended)

Technically, you can choose to ignore a debt, but it’s hardly ever a good idea. Doing nothing often leads to bigger problems and more stress down the line.

What Happens if I Ignore Revco Solutions?

Debt collectors like Revco typically don’t give up easily. If you ignore them, your credit score could take a hit, and the amount you owe may grow as interest and fees pile on.

In some cases, you could be sued, and if you don’t respond, the court could allow wage garnishment or other collection actions.

Even if the debt falls off your credit report — which usually happens after seven years — that doesn’t mean it disappears. Debt collectors may still try to collect, and in some cases, they can still take legal action if the debt is within the statute of limitations. 

💪 That might sound overwhelming, but you have more power than you might think. Many debt collection tactics work only because people don’t know their rights. Just by reading this article, you’re already better prepared to spot unfair practices or negotiate a solution that works for you.

Can Revco Solutions Sue Me?

Revco Solutions can sue you, but often lawsuits come from the original creditor rather than Revco.

Before deciding whether to sue, a creditor or collector usually considers how much you owe, how old the debt is, how much it will cost to file the lawsuit, and whether they’re likely to recover the money through things like wage garnishment.

📄 If you are sued, you'll likely be served in person or by mail with official court documents called a summons and complaint. These papers explain what the lawsuit is about and how much time you have to respond. If you don’t respond by the deadline, the court may automatically rule against you. This is called a default judgment.

Many people can answer the summons without hiring a lawyer. If you're worried about responding on your own and can't afford legal help, 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 offer 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…

Revco Solutions is a legitimate debt collection agency that mainly works with healthcare providers. If they contact you, it’s probably about a past-due medical bill.

Before you pay anything, make sure the debt is accurate by asking Revco to validate it. If the debt is valid, you can choose to dispute it, pay it, or try to settle it for less than the full amount.

Ignoring a debt collector like Revco can hurt your credit and might even lead to a lawsuit. Taking action puts you in a better position to protect yourself and move forward.