CollectionCenter, Inc.

Corporate structure

Who owns CollectionCenter, Inc.?

CollectionCenter, Inc. is owned by or affiliated with Frost-Arnett Company (acquired by Harris & Harris, 2026).

CollectionCenter, Inc. collects and sues on accounts from: UCHealth hospitals and clinics (the majority of sampled suits, 2019-2023), Other medical providers (a smaller share; often sealed in court files), Hospital and clinic accounts across Colorado and Wyoming.

Proof checklist

What to check before you admit, pay, or ignore the lawsuit

A debt-buyer profile is useful only if it helps you act on the papers in front of you. Start with deadline and court track, then review these proof points before default pressure becomes the main issue.

Common issues to review may include whether the plaintiff can prove ownership chain, amount, standing or authority to sue, account documents, timing, service, and assignment paperwork. Answered helps you preserve and organize issues for review; it does not decide what arguments you should make. Consumer debt lawsuit defense in 32 states. Start free — Answered checks whether it can build your Answer before you pay anything. Check your deadline free before any paid packet decision.

Your next steps

What to do if CollectionCenter, Inc. is suing you

1. 1
   Find your deadline immediatelyYou have a limited number of days to file your Answer after being served — typically 20 to 35 days depending on your state. Missing this deadline results in a default judgment. Check your state’s guide for the exact deadline.
2. 2
   Demand the itemized bill and check the screeningRequest an itemized statement and compare it against your insurance explanation of benefits. Medical accounts often carry billing errors, insurance that was never billed correctly, or financial-assistance screening that never happened — a timely Answer keeps every one of those questions alive.
3. 3
   Check the statute of limitationsCollection plaintiffs sometimes sue on old accounts. If the limitations period in your state has run since your last payment or the charge-off date, you may have a complete defense. Look up the state guide for your jurisdiction.
4. 4
   File your Answer — even if you plan to settleFiling a timely Answer preserves all your defenses and gives you leverage to negotiate a better settlement. Do not ignore the lawsuit expecting it to go away. See your state’s defense guide.

Frequently asked questions

Common questions about CollectionCenter, Inc.

• Why is CollectionCenter suing me instead of the hospital?

  Because the hospital assigned your account to CCI for collection, and CCI files in its own name. Researchers documented that UCHealth routed thousands of patient lawsuits through CCI in exactly this way. Since Colorado's 2024 law (HB24-1380), a collector that is not the original creditor generally cannot be the lead name on the caption — the hospital's name must come first — so check how your suit is captioned and demand proof of the assignment behind it.

• How many people has CollectionCenter sued?

  A 2025 academic court-data study counted 9,241 Colorado lawsuits filed by CCI from 2019 through 2023, with about $25 million in principal awarded, plus roughly $1.9 million in attorney fees — and 98.8% of its judgments were default judgments, entered because the patient never responded. Showing up and answering is, by itself, the single biggest change you can make to how these cases go.

• What Colorado rights do I have against a medical-debt lawsuit?

  Several, and they are recent: hospitals must screen uninsured patients for discounted care before collections (the 2021 Hospital Discounted Care law), medical-debt interest is capped at 3% (2023), you can demand an itemized statement — collection must pause until it is provided — and medical debt may not appear on Colorado credit reports (2023). The study behind these suits found 38.5% of patients who answered raised billing errors, insurance mistakes, or charity-care failures.

• Has CollectionCenter faced regulatory enforcement?

  No CFPB or Colorado attorney-general enforcement action was found (checked July 2026). Its regulatory record shows one item: a 1991 Wyoming collection-board cease-and-desist, upheld by the Wyoming Supreme Court, over advertising that it provided legal services. Consumers have brought individual FDCPA suits, which are private litigation, not enforcement.

• How many CFPB complaints does CollectionCenter have?

  Almost none under its own name — the CFPB database shows no complaints under its one-word spelling and only a handful from Colorado and Wyoming consumers under the generic "Collection Center Inc" entry, which also mixes in an unrelated North Dakota company (checked July 2026). Complaints are consumer-submitted reports, not verified findings of wrongdoing.

• Is CollectionCenter legit, or is it a scam?

  Legitimate — a century-old agency now owned through the Frost-Arnett/Harris & Harris collection family. Legitimate is not the same as proven: in court it must still document the assignment that lets it sue, an accurate itemized balance, and compliance with Colorado's medical-debt rules, including interest caps and discounted-care screening.

• What should I do if CollectionCenter sued me over a hospital bill?

  Answer before your deadline — 98.8% of its judgments came against people who never responded. In your Answer, demand the itemized bill, proof of the assignment, and evidence the hospital met Colorado's discounted-care screening duties; dispute any interest above the 3% medical-debt cap. If your income was low when you were treated, ask whether you qualified for discounted care or charity care — patients in these suits reported being sued despite qualifying.

State defense guides

Sued by CollectionCenter, Inc.? Find your state