Who Is 866-258-1104? Parallon Medical Collections Explained (And What to Do)

by Joe Mahlow • Updated on Jul. 09, 2025

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You've probably Googled — or asked Siri — "who is 866‑258‑1104?" Then you get a flood of mixed answers calling it a legitimate debt collector, a potential scam, or even NPAS Solutions.

Let's sort that out clearly, with real users input and practical advice.

If you're tired of seeing 866-258-1104 pop up on your phone, you should keep reading till the end. This persistent number has been calling thousands of people daily, leaving many wondering if it's a legitimate debt collector or an elaborate scam. The constant calls are stressful, disruptive, and can damage your credit if not handled properly.

In this guide, you'll discover exactly who's behind this number, why they're calling, and most importantly, how to protect yourself, your rights, and your credit score.

Who Owns 866-258-1104?

Here's the straight answer you've been looking for: 866-258-1104 belongs to Parallon, a medical debt collection agency that specializes in collecting unpaid hospital bills and healthcare debt. This company works under the name NPAS Solutions LLC and primarily handles debt collection for hospitals and healthcare providers nationwide.

But here's what makes this complicated, not every call from this number is necessarily from the real Parallon.

Scammers love to spoof legitimate collection agency numbers, which is why you're seeing such mixed reviews online.

Key Facts About This Number:

Primary Company: Parallon (medical debt collection agency)
Also Known As: NPAS Solutions LLC
Industry Focus: Hospital bills, medical debt, healthcare collections
Business Model: They purchase or are assigned medical debt from healthcare providers
Legitimacy: Licensed debt collector, but caller experiences vary significantly

Why Is Parallon Calling You?

Let's be real, nobody wants to get collection calls. But if Parallon is calling you, there's usually a specific reason behind it. They typically call when you have unpaid medical debt that has been transferred to their collection agency.

Think back to your last hospital visit, emergency room trip, or even routine medical procedures.

Did you pay everything in full?

Sometimes insurance doesn't cover as much as we expect, leaving us with surprise bills that we might forget about or ignore.

Most Common Reasons for 866-258-1104 Calls:

Unpaid hospital bills from emergency room visits, surgeries, or treatments
Outstanding medical debt from doctor visits, lab work, or diagnostic tests
Insurance claim issues where your portion wasn't paid to the healthcare provider
Old medical debt that was sold or assigned to them by your original creditor
Verification calls to confirm your contact information and debt details
Payment arrangement discussions or settlement negotiations

The Medical Debt Collection Process:

Here's how you probably ended up on their call list:

You receive medical treatment at a hospital or healthcare facility
Insurance covers part of the bill, leaving you with a balance
You miss payments or don't pay the remaining balance (life happens!)
The healthcare provider assigns or sells your debt to Parallon
Collection calls from 866-258-1104 begin
If unresolved, the debt appears on your credit report

866-258-1104 Debt Collector: Parallon Scam or Legit?

This is the million-dollar question, isn't it? While Parallon is a legitimate medical debt collection agency, scammers frequently impersonate them using similar tactics. The tricky part is telling the difference when you're getting these calls.

I've seen people lose money to scammers pretending to be Parallon, and I've also seen people ignore legitimate collection calls thinking they were scams.

Both scenarios can hurt you financially.

Red Flags That Suggest a Scam:

Robocalls that don't mention your specific name or debt details
Demanding immediate payment with threats of arrest within hours
Asking for your full Social Security number right away
Requesting payment via gift cards, wire transfers, or prepaid debit cards
Claiming you'll be arrested if you don't pay immediately
Refusing to provide written debt validation
Calling outside legal hours (before 8 AM or after 9 PM)

Signs of Legitimate Parallon Contact:

They provide specific details about your medical debt
They mention the original healthcare provider by name
They offer to send written debt validation within 30 days
They follow Fair Debt Collection Practices Act (FDCPA) guidelines
They can verify your personal information without you providing it first
They accept requests for written communication only

Real User Experience: "They asked for my SSN right away... I don't have any outstanding debts. Something felt off about the whole call." — Quora user

Here's my golden rule: Always request written debt validation before discussing payment details or acknowledging the debt. Legitimate collectors will comply; scammers will often hang up or get aggressive.

How It Affects Your Credit (And Why You Should Care)

Let me paint you a picture of what happens when medical debt goes to collections with Parallon. It's not pretty, but understanding the impact can motivate you to take action.

When that collection account appears on your credit report, it's like a big red flag telling lenders "this person doesn't pay their bills." The damage can be swift and severe.

Credit Score Impact:

Immediate drop: 50-100+ points when collection first appears (yes, really!)
Reporting duration: Remains on credit report for up to 7 years
Loan approval impact: Makes approval harder for credit cards, mortgages, auto loans
Interest rate penalties: Higher rates on approved credit applications
Employment screening: May appear on background checks for certain jobs

Timeline of Credit Damage:

Month 1: Medical debt becomes 30+ days past due
Month 2-3: Healthcare provider may attempt internal collections
Month 4-6: Debt sold or assigned to Parallon
Month 7: Collection account appears on credit report
Immediate: Credit score drops significantly
Years 1-2: Maximum negative impact on credit score
Years 3-7: Negative impact gradually decreases but remains visible

Real Credit Impact Examples

Here's what I've seen happen to real people:

A $500 medical collection can drop a 720 credit score to 620
Multiple medical collections can reduce scores by 150+ points
Recent collections have more impact than older ones

The worst part? That $500 medical bill you forgot about could end up costing you thousands in higher interest rates on your next car loan or mortgage.

Your Rights (FDCPA) — Yes, You Have Power Here

Here's something debt collectors don't want you to know: you have significant legal protections under the Fair Debt Collection Practices Act (FDCPA). These aren't just suggestions, they're federal laws that collectors must follow, or they can face serious penalties.

What Debt Collectors Must Do:

Provide written debt validation within 30 days of first contact
Identify themselves as debt collectors in all communications
Provide the original creditor's name and debt amount
Allow you to dispute the debt within 30 days
Stop contacting you if you request it in writing
Only contact you between 8 AM and 9 PM in your time zone

What Debt Collectors Cannot Do:

Threaten violence, arrest, or legal action they cannot take
Use profane, obscene, or abusive language
Call repeatedly to harass or annoy you
Contact you at work if you tell them not to
Discuss your debt with family, friends, or neighbors
Misrepresent the amount you owe or their identity
Continue calling after you've requested written communication only

Your Specific Rights:

Right to debt validation: Request written proof of the debt
Right to dispute: Challenge incorrect or fraudulent debts
Right to cease communication: Stop all phone contact
Right to legal representation: Have an attorney handle communications
Right to file complaints: Report violations to FTC, CFPB, or state authorities

Don't let anyone intimidate you into thinking you have no options. You do, and knowing these rights can completely change how you handle these situations.

What to Do Next (Your Action Plan)

Okay, so you know who's calling and why. Now what? Here's exactly what you should do, step by step. I've helped people through this process countless times, and this approach works.

Step 1: Don't Panic or Ignore.

I know it's tempting to just ignore these calls, but that's usually the worst thing you can do. Instead:

Let calls go to voicemail to avoid accidentally acknowledging debt
Document every call attempt with date, time, and any messages left
Check your credit report immediately at annualcreditreport.com
Gather any medical bills or insurance statements from the past 2-3 years

Step 2: Verify the Debt.

This is crucial. Don't take their word for it that you owe money. Make them prove it:

Request written debt validation within 30 days of first contact
Send your request via certified mail with return receipt
Contact your original healthcare provider to verify the debt
Compare debt details with your medical records and insurance claims
Check if insurance should have covered more of the bill

Step 3: Analyze Your Credit Report.

Pull your credit reports from all three bureaus and look for:

Any collection accounts from Parallon or NPAS Solutions
The reporting date, amount, and original creditor
Any inaccuracies in the debt information
Whether multiple collection agencies are reporting the same debt

Step 4: Respond Strategically.

This is where strategy matters more than emotion:

If debt is valid and accurate: Consider negotiating payment plan or settlement
If debt is invalid or inaccurate: Dispute with collector and credit bureaus
If debt is too old: Check your state's statute of limitations
Get all agreements in writing before making any payments

Step 5: Document Everything.

Trust me on this one — documentation saves lives (and credit scores):

Keep records of all phone calls, letters, and emails
Save certified mail receipts and return receipts
Take screenshots of your credit reports
Maintain a file with all medical bills and insurance documents

How to Remove Parallon from Credit Report

Here's where it gets interesting. Getting a collection removed from your credit report isn't always easy, but it's definitely possible. I've seen people successfully remove legitimate collections using these methods.

Option 1: Pay for Delete Agreement.

This is often the fastest route if you can afford it:

Negotiate removal in exchange for payment (full or partial)
Get the agreement in writing before paying anything
Success rate: 30-50% depending on the collector
Best for: Recent collections with smaller amounts

Sample Pay-for-Delete Letter: "I am willing to pay $XXX to settle this account in full, contingent upon your agreement to remove this collection account from all three credit bureaus within 30 days of payment."

Option 2: Dispute Process.

If you believe the debt is inaccurate or invalid:

File dispute with all three credit bureaus (Experian, Equifax, TransUnion)
Provide documentation proving the debt is inaccurate or invalid
Include medical records, insurance claims, or payment receipts
Follow up within 30 days for bureau response
If bureau cannot verify, they must remove the collection

Option 3: Debt Validation Challenge.

Attack the collection at its foundation:

Request detailed validation from Parallon
Challenge any missing or incorrect information
If they cannot provide proper validation, dispute with credit bureaus
Force removal based on lack of proper documentation

Option 4: Wait for Natural Removal.

Sometimes patience is the best strategy:

Medical collections automatically fall off after 7 years
Continue building positive credit history during this time
Monitor your credit reports regularly for any changes
Focus on paying all current bills on time

Real User Experiences (Forum Quotes)

Don't just take my word for it.

Here's what real people are saying about their experiences with 866-258-1104:

"I keep getting calls from 866-258-1104 every day. It's really annoying. They won't stop even when I ask them to." — u/user12345, Reddit

"They kept calling even after I asked them to stop, so I had to send a cease-and-desist letter. Finally got some peace." — Reddit user

"These people call nonstop... I just hung up and blocked them. Probably not the best strategy but I was fed up." — Reddit user

"I ghosted a debt collector 6 years... now I can move on. The debt fell off my credit report." — r/PersonalFinanceCanada

"They asked for my SSN right away... I don't have any outstanding debts. Red flag for sure." — u/savvysaver-like, Reddit

"Search results on number are mixed. Some say it's legit, others say scam. I'm so confused about what to do." — Originally posted by u/mydoglikesbroccoli in r/personalfinance

These real experiences show that people have mixed results with Parallon calls. While some successfully resolve their issues through proper communication, others struggle with persistent calling patterns and questionable tactics.

Stop Collection Calls (For Your Peace of Mind)

So how do we stop those pesky 866-258-1104 calls? Yeah we know that these calls can drive you crazy. The good news? You have several ways to make them stop, and some are more effective than others.

How to Stop 866-258-1104 Calls Immediately:

Method 1: Cease-and-Desist Letter (Most Effective)

This is your best option, and it works:

Send via certified mail with return receipt requested
Include your name, address, and account number (if known)
State clearly that you want all phone contact to stop
Request written communication only

Method 2: Phone Blocking (Quick Fix)

For immediate relief:

Block 866-258-1104 directly on your smartphone
Use call-blocking apps like Truecaller, Hiya, or RoboKiller
Contact your phone carrier about blocking options
Set up Do Not Disturb for unknown numbers

Method 3: File Official Complaints (Long-term Solution)

Make them pay attention:

Federal Trade Commission (FTC): consumersentinel.gov
Consumer Financial Protection Bureau (CFPB): consumerfinance.gov
Your state attorney general's office
Better Business Bureau (BBB)

Method 4: Legal Action (FIghting Back)

When they've violated your rights:

Document FDCPA violations with dates and details
Consult with a consumer protection attorney
Sue for damages up to $1,000 per violation
Join class-action lawsuits against repeat violators

Frequently Asked Questions About 866-258-1104 Calls

Should I answer calls from this number?

Here's my take: You can let it go to voicemail first to avoid accidentally acknowledging the debt. If it's legitimate, they'll leave a message with basic information about the debt. Never provide personal information until you've verified the debt in writing.

Can they sue me?

Yes, Parallon can pursue legal action for unpaid medical debt. However, lawsuits typically happen with larger debts ($1,000+) and depend on your state's laws and the debt's age. Most medical debt cases are resolved through payment plans or settlements before reaching court.

What if I can't pay?

Here's something most people don't know: Most collectors will accept payment plans or settlements for less than the full amount. You can negotiate monthly payments as low as $25-50 for smaller debts. Many people successfully settle medical collections for 30-50% of the original amount. Always get payment agreements in writing before paying anything.

How do I know if the debt is really mine?

Request debt validation within 30 days of first contact. They must provide details about the original creditor, debt amount, dates of service, and your right to dispute. Compare this information with your medical records and insurance claims to verify accuracy.

Will paying off the collection improve my credit score?

This is a common misconception. Paying off a collection may improve your credit score slightly, but the collection account will still remain on your credit report for 7 years. The best approach is to negotiate a "pay-for-delete" agreement where they remove the collection in exchange for payment.

Can I negotiate with Parallon?

Absolutely! Most debt collectors are willing to negotiate payment plans or accept settlements for less than the full amount owed. Start by offering 30-40% of the debt amount and negotiate from there. Many people successfully settle medical collections for half the original amount.

What happens if I ignore them completely?

I'll be straight with you: Ignoring collection calls doesn't make the debt disappear. The collection will remain on your credit report for 7 years, and they may eventually pursue legal action. However, in some states, very old debts may be past the statute of limitations for lawsuits.

Conclusion

Getting calls from 866-258-1104 from Parallon or NPAS Solutions doesn't have to overwhelm you. While dealing with medical debt collection is stressful, you have rights and options that can protect your credit and financial future.

Key takeaways to remember:

Always verify the debt through written validation before paying
Know your rights under the Fair Debt Collection Practices Act (FDCPA)
Document all communications and keep detailed records
Consider negotiating payment plans or settlements
Use cease-and-desist letters to stop unwanted calls
Monitor your credit reports regularly for any changes

Don't ignore the calls completely, but don't rush into payment either. Take time to verify the debt, understand your options, and make informed decisions that protect both your finances and your credit score.

Take action today

Check your credit report for any collections, document any calls from this number, and create a plan to address the situation properly. With the right approach, you can resolve medical debt issues and minimize the impact on your credit score.

Remember, you're not alone in dealing with medical debt collection. Millions of Americans face similar situations, and there are proven strategies to handle them effectively while protecting your rights and financial well-being.

805-637-7243: Is This Debt Collector Calling You? Here's What You Need to Know

800-955-6600 Calling? Know Your FDCPA Rights Against The Northland Group

This article is for informational purposes only and does not constitute legal advice. Consider consulting with a qualified professional for specific situations involving debt collection.