State Collection Service, Inc. (SCSI) is a healthcare-focused debt collection and receivables management agency that works with hospitals and medical providers to recover patient account balances.
State Collection Service, Inc. (often abbreviated as SCSI on credit card and bank statements) is a third‑party debt collection and receivables management company that specializes in the healthcare sector. Founded in 1949 and still family‑owned, the company partners with hospitals and physician groups across the United States to manage self‑pay receivables, early‑out account resolution, bad debt collections, and insurance follow‑up. Their operations combine call centers, digital communication, and automated tools to help patients understand and resolve outstanding medical bills while maximizing recovery for providers.([statecollectionservice.com](https://www.statecollectionservice.com/who-we-are/?utm_source=openai))
A charge labeled “SCSI” or “SCSI 877xxxxxxx” on a card or bank statement typically represents a payment to State Collection Service for a medical or healthcare‑related balance that has been placed with them by a hospital, clinic, or physician group. This may be a one‑time payment, a recurring payment plan, or a follow‑up charge after an account moved from the original provider’s billing office into collections. In some cases, the descriptor may include a long reference or account number next to the SCSI name and toll‑free phone pattern, which ties directly to your collection account.
If you have questions about such a charge, the best approach is to verify it directly with both State Collection Service and your healthcare provider. You can contact SCSI using the information on any mailed notice or via the contact details on their official website to confirm the original creditor, service dates, and amount owed. They also provide online payment and account‑access tools. If something looks incorrect, you can request debt validation in writing and dispute errors with both SCSI and the credit bureaus, as they are a licensed, nationwide healthcare collection agency subject to federal and state debt‑collection regulations.([statecollectionservice.com](https://www.statecollectionservice.com/?utm_source=openai))
Bank Statement Variations
1 known variations
These are the raw merchant codes that appear on bank and credit card statements that we've identified as belonging to State Collection Service, Inc..
Why do I see a charge from “SCSI” or “SCSI 877…” on my card or bank statement?
A descriptor starting with “SCSI” usually refers to State Collection Service, Inc., a healthcare‑focused debt collection agency. Healthcare providers such as hospitals and clinics often place unpaid patient balances with SCSI; the charge you see is likely a payment toward a medical bill that has been assigned to them for collection. Check any letters or emails you’ve received from State Collection Service and compare the amount, date of service, and original provider listed there to your medical records.
Is State Collection Service, Inc. a legitimate company or a scam?
State Collection Service, Inc. is a long‑established, licensed debt collection agency founded in 1949 and headquartered in Madison, Wisconsin. It specializes in healthcare receivables and works with hundreds of hospitals and physician groups nationwide. If you are contacted by SCSI, you can verify legitimacy by checking that the contact details match those listed on statecollectionservice.com and, if needed, by confirming with your healthcare provider that they have placed your account with State Collection Service.([statecollectionservice.com](https://www.statecollectionservice.com/who-we-are/?utm_source=openai))
What types of debts does State Collection Service typically collect?
SCSI primarily collects healthcare‑related debts, including self‑pay balances after insurance, unpaid co‑pays or deductibles, balances left after financial assistance reviews, and older “bad debt” accounts that hospitals and physician groups have moved into collections. They also perform early‑out and pre‑service financial clearance work for providers, which can mean they contact patients before or shortly after services to arrange payment plans.([statecollectionservice.com](https://www.statecollectionservice.com/services/?utm_source=openai))
How can I confirm which medical provider or bill a State Collection Service charge relates to?
You can confirm the source of a State Collection Service charge by calling the phone number on your SCSI letter or statement, or using the contact information on statecollectionservice.com. Ask for a verification of the debt that includes the original provider’s name, date(s) of service, and the itemized balance. Then compare this information to your hospital or clinic patient portal, explanation‑of‑benefits (EOB) from your insurer, and any prior bills to ensure the account and amount are accurate. If you still have doubts, contact the provider’s billing office directly and ask them to confirm that SCSI is handling your account.([statecollectionservice.com](https://www.statecollectionservice.com/who-we-are/client-faqs/?utm_source=openai))
Does State Collection Service offer payment plans, and how do those charges appear?
Yes. Because many of SCSI’s accounts involve medical bills, they frequently set up installment or structured payment plans. If you enroll in a plan, you may see recurring monthly charges on your card or bank account with a descriptor starting with “SCSI” plus a reference number. Review the payment schedule you agreed to on the phone or online and make sure the recurring amounts and dates match; if they don’t, contact SCSI’s customer service to adjust or clarify your plan terms.([statecollectionservice.com](https://www.statecollectionservice.com/services/?utm_source=openai))
How do I dispute a debt or request validation from State Collection Service?
If you believe a State Collection Service debt is inaccurate or not yours, you have the right under federal law to request validation. Send a written dispute or validation request to the mailing address provided on their notice (ideally by certified mail) within 30 days of their first communication. Ask for documentation showing the original creditor, service dates, and how the balance was calculated. While the account is under validation, they must pause collection efforts. If information on your credit report is incorrect, you can also file disputes with the major credit bureaus referencing the SCSI collection entry.([statecollectionservice.com](https://www.statecollectionservice.com/services/?utm_source=openai))
Can a State Collection Service account affect my credit score?
Yes. As a third‑party collection agency, SCSI can report collection accounts to the major credit bureaus when a medical bill is placed with them and remains unpaid. Such entries can negatively impact your credit score and typically remain on your report for up to seven years from the original date of delinquency. Paying or settling the account may improve how the entry is viewed over time, and if you believe the account is inaccurate, you can dispute it with both SCSI and the credit bureaus.([thecreditpeople.com](https://www.thecreditpeople.com/debt-collection/who-is-scsi-collections-agency-really?utm_source=openai))
How can I contact State Collection Service to ask about or resolve a charge?
You can reach State Collection Service using the phone numbers and addresses listed on their official website and your mailed notices—for example, their main office is at 2509 South Stoughton Road, Madison, WI 53716, and they list an 800 number for consumer inquiries. You can also use the contact or payment portal on statecollectionservice.com to review your account, make payments, or submit questions. Always use contact details from their official site or correspondence, not from unknown third‑party sites, when discussing your account or making payments.([statecollectionservice.com](https://www.statecollectionservice.com/our-locations/?utm_source=openai))
This merchant is in the Financial Services category