WHO IS CONTACTING YOU
Radius Global Solutions: Who They Are and What to Do
The short answer
Radius Global Solutions is a real company based in Edina, Minnesota, and it is not primarily a debt buyer. Its own site describes it as a business process outsourcing and contact centre business, with debt collection as one of several services alongside healthcare revenue cycle management and early stage delinquency management.
In plain terms: they are usually collecting on behalf of somebody else, not collecting a debt they bought. That distinction matters for what to ask them.
A letter is not a lawsuit. Here is who they are and what to do.
You are not the only one. Hundreds of thousands of these get filed every year, mostly against ordinary people who hit a bad stretch. Life gets messy. None of it makes you a bad person. It just makes you human.
They file these by the thousand. You are doing this once. That gap is the only real advantage they have, and it closes the moment you know what they have to prove. Learn it, use it, fight back strong.
Why that distinction matters to you
A debt buyer owns the account and has to prove it bought your specific account. An agency working for a creditor does not own it, and what it has is whatever the creditor handed over, which is often a name, an address and a balance.
So the useful question is not only "prove I owe this" but "who are you collecting for, and what did they give you?"
How many people are dealing with this
In the twelve months to 26 October 2026, consumers filed 3,143 complaints about Radius Global Solutions with the Consumer Financial Protection Bureau.
| Complaints | What it was about |
|---|---|
| 1,373 | Attempts to collect a debt not owed |
| 504 | Took or threatened to take negative or legal action |
| 399 | Written notification about debt |
| 277 | False statements or representation |
| 251 | Incorrect information on a credit report |
Forty-four percent of the complaints are people saying the debt is not theirs. That is federal data anyone can look up, and it is the reason to verify before you pay rather than an accusation against the company.
Complaints came most from Texas (560), then Florida (267), North Carolina (208), Louisiana (199) and Georgia (193).
It may well be a medical bill
Their service list includes healthcare revenue cycle management and early stage delinquency management, so a meaningful share of what they handle is medical billing rather than credit cards.
Medical debt is worth treating differently:
- Ask the original provider for an itemised bill, not just a balance from the collector
- Ask whether insurance was billed, what it paid and what it denied
- A balance that reached collections while an insurer was still processing is a billing failure, not a debt
"Early stage delinquency" also means they may be contacting you before an account is formally charged off, which is a better position for you than most people realise: the original creditor is still in the picture and can still correct it.
What to do first, and it is free
Dispute in writing within thirty days of their first written notice. Under federal law that requires the collector to stop collecting until it mails you verification. See 15 U.S.C. 1692g(b).
For an agency rather than a buyer, ask specifically for:
- The name of the creditor they are collecting for
- The original account number
- An itemised statement of how the balance was calculated
- If medical, the itemised bill and the insurance determination
- Documentation that you are the person responsible
A free validation letter you can copy is on this site. There is nothing to sign up for.
Can they sue you?
An agency collecting for a creditor can refer an account for litigation if the creditor authorises it, but letters and calls are not a lawsuit.
A lawsuit has a case number, a court and a county printed on it. If you have that, call the clerk of that court, confirm the case exists, and find your answer deadline, because that becomes the only urgent thing. If you have not been served, you have time to verify first.
If you are in Texas
Texas is where most complaints about this company come from, and Texas protects consumers unusually well.
No current wages for personal service can ever be garnished for a consumer debt, except court-ordered child support or spousal maintenance. See Tex. Const. art. XVI, sec. 28.
A third-party debt collector may not collect in Texas without a $10,000 surety bond filed with the secretary of state. See Tex. Fin. Code 392.101. That is a public filing you can check.
And a written dispute does more in Texas than federally: the collector shall cease collection efforts until an investigation determines the accurate amount, with a written response due within thirty days. See Tex. Fin. Code 392.202. Violations of either carry not less than $100 per violation plus attorney's fees. See Tex. Fin. Code 392.403.
If it is on your credit report
Pull all three reports, which are free, and check the original creditor, the balance, the date of first delinquency, and whether the same debt appears more than once.
Disputing with the bureaus and disputing with the collector are two separate actions under two different laws. Doing both is normal and most people only do one.
What not to do
- Do not pay to make it stop before you have verification in writing
- Do not give bank account or employer details over the phone
- Do not confirm the debt is yours before you have seen what it is
- Do not ignore real court papers, which are a different thing entirely