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Medical Debt Collection Agencies Article
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What Happens during the Collection of Debt?
from:If you have debts to pay for your credit cards, student loans, mortgages or car payments, you should be diligent about making the required payments. If you repeatedly miss payments, your account may be turned over to an agency for the collection of debt.
Once your creditor has grown tired of pursuing you for payments, the collection agency will assume all the responsibilities related to the collection of debt. The collection agency will contact you to inform you that it will handle your account. Within five days from the time of contact, the collection agency will send you details regarding the collection of debt. The agency will mail or fax a written document with information about the amount of money you owe, the company you owe it to and the actions it will take if you do not make payment.
The process of collection of debt may start with a phone call, an email, a fax message or regular mail. Sometimes, the collection agency may even visit you at your home. However, keep in mind that collection agencies are not allowed to contact you before 8:00 am or after 9:00 pm. This ensures that communication happens at a time that is convenient for the debtor. Also, the collection agency is not allowed to call you incessantly or flood your mailbox with numerous emails. Such a behavior may be considered harassment.
In the course of the collection of debt, there are practices that should be avoided by the representatives of the collection agency. These include:
1) Use of threat of force, violence or harm.
2) Use of obscene and profane language.
3) Use of racial slurs, and other insults
4) False representation – the collector cannot lead the debtor to think that he has legal powers or that his actions are mandated by the government
5) Solicitation of extra fees and charges
Moreover, the collection of debt is a process that should work for both the collector and the debtor. While the debt collector has the right to pursue you for payment, you also have the right to dispute his claim. If you have reason to believe that the debt is not yours or that the amount indicated is incorrect, you may write a letter to the collection agency. This letter should be filed within 30 days of the time of contact between you and the collection agency. Also, if you want the collector to stop calling you, you can send a letter requesting that all communication be done via regular mail.
In the process of the collection of debt, you are allowed to contact the debt collector and request for changes in your payment plan. You may ask him to reduce the amount or to allow you to make more installments over a longer period of time. This gives the collector the guarantee that you will pay since the newly-negotiated rates are more affordable to you.
Medical Debt Collection Agencies Specific links
Medical Debt Collection Agencies News
Debt collector associated with IHC hires Mike Leavitt to repair image after ... - Deseret News
 Deseret News | Debt collector associated with IHC hires Mike Leavitt to repair image after ... Deseret News Accretive Health Inc., a medical debt collection agency with connection to Intermountain Healthcare, has hired former Utah Gov. Mike Leavitt to lead a campaign to help repair its image following accusations of inappropriate collection practices. CMS investigates hospital debt collection for EMTALA violation Accretive Health Hires Mike Leavitt, Ex-Bush Cabinet Member, In Bid To Restore ... |
Medical debt collector under fire for tough tactics, • A civil suit accuses ... - Bend Bulletin
 Daily Beast | Medical debt collector under fire for tough tactics, • A civil suit accuses ... Bend Bulletin One of the nation's largest medical debt-collection companies is under fire in Minnesota for having placed its employees in emergency rooms and other departments at two hospitals and demanding that patients pay before receiving treatment, according to ... Chicago medical debt collector's methods chastised Debt Collector Is Faulted for Tough Tactics in Hospitals Minn. AG cites Accretive for debt tactics |
In Congress, a Move to Look Into a Medical Debt Collector - New York Times
 Deseret News | In Congress, a Move to Look Into a Medical Debt Collector New York Times A California representative is calling for an investigation into Accretive Health, one of the nation's largest collectors of medical debt, for potentially violating a federal law that requires hospitals to provide emergency care regardless of ... Minnesota AG blasts Fairview's former medical debt-collection firm for ... Ascension Health's ties to embattled debt collector Debt collectors sued by Minnesota as they stake out the ER |
Affordable Healthcare Act Will Put Reins On Medical Debt Collection Practices - HealthTechZone
Affordable Healthcare Act Will Put Reins On Medical Debt Collection Practices HealthTechZone There was even an article in the New York Times recently about debt collectors chasing down patients waiting to be seen in emergency rooms. Scary? Yes. About 30 million Americans were contacted by collection agencies for medical bills in 2010, ... |
Taxpayers Fund $454000 Pay for Collector Chasing Student Loans - Bloomberg
 Bloomberg | Taxpayers Fund $454000 Pay for Collector Chasing Student Loans Bloomberg “Much of the loan-collection work carried out by guaranty agencies is defined by congressional statute. Some of those policies deserve a second look and we welcome a conversation with Congress about how they can help us with that.” As ECMC'S debt ... |