Quick Answer: Aargon Agency, Inc. is a national debt collection agency based in Las Vegas, Nevada, with offices in Missouri, Hawaii, and California. Founded in 1996, they collect debts across multiple industries including healthcare, financial services, and utilities. Their phone number is (800) 326-7118. They have 45+ BBB complaints and have been involved in notable federal litigation, including the Santoro v. Aargon class action over misleading collection letters and the 9th Circuit case Aargon Agency v. O’Laughlin challenging Nevada’s medical debt notification law.
If Aargon Agency is in your call log: A call from a debt collector is a business communication, not a crisis. Aargon Agency collects debts on behalf of other companies across many industries. You have specific federal rights under the FDCPA. This page gives you the information to respond from a position of knowledge, not panic.
| Company Detail | Information |
|---|---|
| Company Name | Aargon Agency, Inc. |
| Type | Third-party debt collector |
| Headquartered | Las Vegas, Nevada (8668 Spring Mountain Rd, Ste 110) |
| Additional Offices | Saint Peters, MO; Honolulu, HI; Chula Vista, CA |
| Founded | 1996 |
| Primary Creditors | Healthcare providers, financial services, utilities, government agencies |
| Primary Phone | (800) 326-7118 |
| BBB Rating | BBB accredited (since 2011); 45+ complaints |
| Federal Court Cases | Santoro v. Aargon (D. Nev. 2008, class action); Aargon v. O’Laughlin (9th Cir. 2023) |
| Governed By | Fair Debt Collection Practices Act (FDCPA) |
Aargon Agency is a Las Vegas-based national debt collector with offices across four states — and a legal history that includes both a class action over misleading letters and a challenge to state medical debt protections.
Founded in 1996, Aargon Agency has grown into a nationwide debt collection operation with offices in Nevada, Missouri, Hawaii, and California. They collect debts across healthcare, financial services, utilities, and government accounts. Their legal history is notable: a class action certified over deceptive collection letter language, and a 9th Circuit case where Aargon challenged Nevada’s medical debt consumer protection law — and lost.
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Who Is Aargon Agency?
Aargon Agency, Inc. is a third-party debt collector headquartered in Las Vegas, Nevada. Founded in 1996, they operate nationally with additional offices in Saint Peters, Missouri; Honolulu, Hawaii; and Chula Vista, California. They provide debt collection and accounts receivable management services for healthcare providers, financial institutions, utilities, and government agencies. Aargon Agency doesn’t buy your debt — they’re hired by the original creditor to collect the unpaid balance.
Aargon Agency Phone Numbers
| Phone Number | Reported Use | Consumer Reports |
|---|---|---|
| (800) 326-7118 | Main collections line | Source: BBB profile |
Why Is Aargon Agency Calling You?
- A medical debt — Aargon Agency collects for healthcare providers. Your hospital, doctor, or medical facility may have placed your unpaid balance with them.
- A utility or telecom bill — unpaid utility, phone, or internet bills can be sent to Aargon after non-payment.
- A government debt — Aargon works with government agencies to collect unpaid fines, fees, or other obligations.
- A debt you don’t recognize — ask for the original creditor’s name and the date the debt was incurred. Consumer complaints frequently cite Aargon failing to properly validate debts when asked.
A call from a debt collector is not proof you owe anything. It’s an opening position. Treat it like one.
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What Consumer Complaints Reveal About Aargon Agency
The BBB has received 45+ complaints about Aargon Agency, with a customer review average of just 1 out of 5. The most common issues:
Search Aargon Agency complaints in the CFPB database →
Read Consumer Complaint Themes (from CFPB and BBB filings)
“I requested debt validation from Aargon Agency and never received proper documentation. Despite my written dispute, they continued collection activity and reported the disputed debt to credit bureaus.”
“Aargon Agency calls repeatedly with automated messages. When I try to dispute the debt, they redirect the conversation to payment options without addressing my dispute.”
Sources: CFPB Consumer Complaint Database and Better Business Bureau. Complaint themes are representative of filed reports. Personal information redacted.
Aargon Agency in Federal Court
Aargon Agency has been involved in notable federal litigation, including a certified class action and a 9th Circuit appeal.
Santoro v. Aargon Agency, Inc. (D. Nevada, 2008): A class action certified against Aargon alleging their collection letters violated the FDCPA. The court certified a class on issues of liability, actual damages, statutory damages, and declaratory relief, finding that Aargon’s letter language was potentially misleading to consumers about their rights.
Aargon Agency, Inc. v. O’Laughlin (9th Cir. 2023, No. 22-15352): Aargon challenged Nevada Senate Bill 248, a COVID-era law requiring debt collectors to provide 60 days’ written notice before collecting medical debts. Aargon argued the law was unconstitutional and preempted by federal law. The 9th Circuit affirmed the lower court, ruling against Aargon on all claims — upholding consumers’ right to 60 days’ notice before medical debt collection in Nevada.
What this means for you: Aargon’s legal history shows a pattern: a class action over misleading collection letters and a failed challenge to consumer protection laws. If you’re in Nevada and have a medical debt, you have a right to 60 days’ written notice before collection activity begins — a right Aargon tried to eliminate and lost.
What To Do If Aargon Agency Is Calling You
- Request debt validation in writing within 30 days. Aargon’s top complaint is failing to validate debts. Send your request by certified mail and keep the receipt.
- If you’re in Nevada with a medical debt, know that Nevada law (SB 248) requires 60 days’ written notice before collection activity. If Aargon skipped this notice, they may have violated state law.
- Check your state’s statute of limitations. Check your state here.
- Send a cease-and-desist by certified mail to Aargon Agency, Inc., 8668 Spring Mountain Rd, Ste 110, Las Vegas, NV 89117.
- Monitor your credit reports. Aargon’s complaint pattern includes reporting disputed debts to credit bureaus. Pull your free reports from annualcreditreport.com.
- Document everything. If they violate the FDCPA, each violation can be worth up to $1,000 plus attorney fees in federal court.
For the complete guide: Your Rights When a Debt Collector Calls.
Key Takeaways
- Aargon Agency is a national debt collector based in Las Vegas, NV, with offices in MO, HI, and CA
- Founded in 1996; collects healthcare, financial, utility, and government debts
- Phone: (800) 326-7118
- BBB accredited; 45+ complaints; 1/5 customer review rating
- Santoro class action certified over misleading collection letters
- Lost 9th Circuit challenge to Nevada’s medical debt notification law
- Top complaint: failing to validate debts when requested
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Frequently Asked Questions About Aargon Agency
Who is Aargon Agency?
Aargon Agency, Inc. is a national third-party debt collector headquartered in Las Vegas, Nevada, with offices in Missouri, Hawaii, and California. Founded in 1996, they collect debts for healthcare providers, financial institutions, utilities, and government agencies.
Is Aargon Agency a scam?
Aargon Agency is a legitimate, BBB-accredited debt collection agency, not a scam. However, a certified class action challenged their collection letter practices, and they lost a 9th Circuit case attempting to overturn Nevada consumer protections. Verify any debt in writing before paying.
How do I stop Aargon Agency from calling?
Send a written cease-and-desist letter by certified mail to Aargon Agency, Inc., 8668 Spring Mountain Rd, Ste 110, Las Vegas, NV 89117. Under the FDCPA, they must stop calling after receiving your request.
Should I pay Aargon Agency?
Do not pay anything until you have verified the debt in writing. Aargon’s most common complaint is failing to properly validate debts. If you’re in Nevada with a medical debt, confirm they provided the required 60-day written notice. Get any agreement in writing before paying.
Know Your Rights: If a debt collector is contacting you, you have legal protections. See the complete list of FDCPA violations collectors commit most often. Use the free Debt Validation Letter Generator to demand proof of the debt, or check this collector’s complaint history with the Scam-O-Meter.
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