Medical Financial Solutions Debt Collection Harassment? Stop the Calls!

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Medical Financial Solutions Debt Collection Harassment

Are you tired of Medical Financial Solutions Debt Collection Harassment? The debt statistics are rising every day. The numbers indicate that people are getting into debt now more than ever before and this automatically means that more debt collectors like Medical Financial Solutions are unleashed daily. Medical Financial Solutions is an third party collection agency whose job is to recover debts on behalf of creditors. Only amounts expressly authorized by the agreement creating the debt or permitted by law can be collected.

There are many reasons why people fall into debts and they include but are not limited to; improper planning, poor management, reduced income, underemployment, divorce, health issues, gambling and failure to save. Unpaid bills for medical care often arise due to complex contracts between patients and providers.

Whatever the reason may be for your debt, being stuck in debt usually isn’t the best of experiences, especially when it starts leading to Medical Financial Solutions phone harassment and the seemingly endless calls and letters begin pouring in. When original creditors see that you are falling back on your payments, they usually send your debt to a third-party collection agency who now has the job of getting you to pay up. These collectors are notorious for using the most extreme methods (like Medical Financial Solutions phone harassment) to get consumers to settle their delinquent debt accounts. They usually employ unethical debt methods such as placing calls to you at hours of the day that it is inconvenient to call, talking to others about your debt, calling your place of employment even when they have been advised that calls cannot be accepted at work, and using profane language during their calls with you or calling you foul names. All of these qualify to be called Medical Financial Solutions phone harassment. Affected consumers may face additional challenges if debts are not properly validated or substantiated.

You have a right to demand that your rights are respected during Medical Financial Solutions debt collection and that all Medical Financial Solutions debt collection methods treat you with the dignity worthy of your person. If they fail to do so, you can be awarded up to $1000 and at times have your debt waived.

How to Answer Debt Collection Calls

Learn five steps to remain calm during a debt collection call:

  • Talk when you have time: Do not let your attention divided. If you cannot talk at that moment, kindly ask the debt collector to call back at a more convenient time. But if you can take the call, take it.
  • Take notes: Don’t just sit on the call saying “hmmm” at every line or yes at every question. Write out all valuable information you get from the call, like the time and date of the call, the name of the debt collection agency, the name of the agent and the creditor himself, and any other information you get from the call, especially the alleged amount they claim you owe. It can come in handy if you have to go to court or in a case of harassment.
  • Tell nothing about the debt: Allow the agent to say what you owe and then compare it with your records if you have one.
  • Take caution to say little or nothing: you must not and cannot give the collector too much information about yourself. Don’t tell the agent about your income or the debts you owe or anything at all. This could turn against you if this call is a scam call. Be aware that scammers may also contact you via text message and attempt to collect fake debts.
  • Take your time to take a decision: don’t be under pressure to make any hasty decision. You can tell the collector that you’ll get back to them, hang up and set out to make a plan on how to take care of the situation. If you suspect the debt is not legitimate or you are being pressured by repeated attempts to collect, consider consulting an attorney.

With these simple steps you can be sure that no amount of pressure from Accretive Health, Inc. can make you do anything you do not want to, and if the calls become too frequent and come at any time before 8am and after 9pm, then you can sue the debt collection agency for violating the Fair Debt Collection Practices Act (FDCPA) by harassing you.

Is Medical Financial Solutions a scam?

According to the Better Business Bureau website, Medical Financial Solutions has been in business since 2004. There have been 8 complaints closed in the last 3 years and 2 complaints closed out in the last 12 months. If you experience harassment or believe you are being targeted by a scam, you can file a complaint with the BBB or other relevant authorities to report the issue and seek assistance.

Medical Financial Solutions Better Business Bureau

Who is Medical Financial Solutions?

Medical Financial Solutions is third party debt collector located in Kalamazoo, Michigan. They have been a party to over 40 federal cases based on their issuance of credit and collection of debts incurred on their credit cards. These lawsuits often involve claims of harassment or violations of debt collection laws. Such legal actions are common in the debt collection industry, where companies may face lawsuits for their collection practices. A recent Federal Court cases alleges that Medical Financial Solutions used illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer.

Address: PO Box 50871 Kalamazoo, MI 49005 Phone: (269) 910-7810

Alternate Business NameAccretive Health, Inc.

Medical Financial Solutions Phone Number             

Are you receiving any harassing phone calls from this number?

269-910-7810.

If so, you may be a victim of Medical Financial Solutions debt collection harassment. The list above is not all the numbers that Medical Financial Solutions uses. Also, calls can be from a different numbers and it still be Medical Financial Solutions calling you. Repeated attempts at collecting debts for services not rendered or not legally owed may violate consumer protection laws. Contact our office right away so we can start the process to stop Medical Financial Solutions from calling you illegally. Above all, no one should live with harassment.

Credit Report Implications

When it comes to medical debt collection, the impact on your credit report can be long-lasting and significant. Debt collectors often report unpaid medical bills to credit reporting companies, which can lower your credit score and make it harder to qualify for loans, credit cards, or even housing. In fact, medical bills are the most common type of collection account found on credit reports, making up nearly 60 percent of all collection actions according to the (CFPB).

Medical debt collection practices can be confusing and stressful, especially when you’re dealing with unexpected medical bills or complicated medical billing from various providers. Under federal laws like the Fair Debt Collection Practices Act (FDCPA), debt collectors are required to follow fair debt collection practices, including attempting to collect the debt from you before reporting it to a credit reporting company. Unfortunately, not all collectors follow these rules, and errors or incomplete information can end up on your credit reports.

Recent changes, such as the No Surprises Act, have been put in place to help protect consumers from the medical debt burden. This law restricts certain surprise medical bills and sets new standards for transparency in medical billing. It also prohibits debt collectors from attempting to collect debts that are not legally owed, giving consumers more power to challenge unfair collection actions.

If you find a medical debt on your credit report, you have the right to dispute it. Review your credit reports regularly to check for any errors or debts that you don’t recognize. If you spot a mistake, you can file a dispute with the credit reporting company and request that the debt collector provide verification of the debt. This is especially important if you believe the debt is not yours, has already been paid, or is past the statute of limitations for collection.

Many states have enacted additional laws to protect consumers from aggressive medical debt collection and credit reporting practices. For example, some states limit how long a debt collector can sue you for unpaid medical bills, while others prevent collectors from contacting you about debts that are too old to be legally collected. Nonprofit hospitals and some medical providers also offer financial assistance programs to help consumers pay their medical bills, so be sure to ask about these options if you’re struggling with medical debt.

To protect yourself, stay informed about your debt collection rights and the laws that apply to medical debt collection in your state. Don’t hesitate to request that debt collectors stop contacting you if you believe you do not owe the debt or if you need time to verify the claim. By understanding your rights and taking proactive steps, you can minimize the negative impact of medical debt on your credit and maintain your financial health. Remember, debt collectors, debt collection agencies, and credit reporting companies are required by law to treat consumers fairly and accurately report information—don’t be afraid to hold them accountable.

Common Questions:

Is Medical Financial Solutions a scam? No, Medical Financial Solutions has been in business since 2004.

Can Medical Financial Solutions seize my property? Medical Financial Solutions can’t seize your property, but there are some exceptions. If the debt was tied to the property the collector may be able to repossess it. Or, if the collector has sued and obtain a judgment against you, the debt collector may be able to take certain property as permitted by the court.

Can Medical Financial Solutions sue me? Yes, Medical Financial Solutions can sue you so long as the debt is within the statute of limitations.

How does the record of my last payment affect the statute of limitations? The record of your last payment or activity on the debt is important because it can reset the statute of limitations. If you make a payment, the time period for how long you can be sued may start over based on that record.

Can Medical Financial Solutions add interest or other costs to my debt? Medical Financial Solutions may add interest, fees, or other costs to your debt if allowed by your original agreement or by law. Always review your billing statements to see if additional interest or costs have been included.

What happens if I make a partial payment? Do I still owe the full amount? If you make a partial payment, you are only responsible for the remaining balance, not the full amount originally owed. Debt collectors must account for any partial payment and cannot demand the full amount if you have already paid part of the debt.

Can unpaid medical bills affect my wages or lead to wage garnishment? Yes, if Medical Financial Solutions obtains a court judgment against you, they may be able to garnish your wages to collect the debt. Wage garnishment means a portion of your wages can be taken to pay off the debt.

Can unpaid medical bills lead to bankruptcy? Unpaid medical bills can contribute to financial distress and, in some cases, may lead to bankruptcy if you are unable to pay your debts. Bankruptcy can have a significant impact on your credit and financial stability.

How does insurance coverage affect the amount I owe and the debt collection process? Insurance can reduce the amount you owe by covering part of your medical costs. The debt collector should only seek payment for the balance remaining after insurance payments and adjustments. Make sure your insurance has been properly applied before paying any medical debt.

Can Medical Financial Solutions report my debt to the collections bureaus?

Can Medical Financial Solutions arrest me?

The following is a sample list of complaints filed against Medical Financial Solutions and can be found on Pacer.org.

CONSUMER RIGHTS LAW FIRM, PLLC

is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Contact a legal professional to stop Medical Financial Solutions debt collection harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.

State laws and federal regulations, including guidance from the Federal Trade Commission, set limits on what can be billed and collected for medical debts. These laws regulate how much a consumer owes, what can be included in a medical bill, and the practices debt collectors must follow. Health insurance and the No Surprises Act protect consumers from excessive medical bills and clarify what a consumer owes for out-of-network or emergency services. Medical bills and debts are often reported to credit bureaus, and there are disclosure requirements to ensure consumers are informed about their rights and obligations regarding medical debts.

Consumer Rights Law Firm, PLLC Better Business Bureau

If you are interested in learning more about how to safeguard yourself and prevent Medical Financial Solutions debt collection harassment, call us at (877)700-5790 for immediate assistance or visit our website at www.consumerlawfirmcenter.com.

“What an amazing experience I had with Consumer Rights Law firm. I kept getting constant calls from a debt collector who was asking for someone I didn’t know. After explaining over and over I was not the person they were looking for, The calls still continued , it became frustrating and very annoying. I came across this firm and just called to talk to someone to see how I could get the calls to stop. I spoke to a gentleman that was very professional and very helpful. Not only did they get the calls to stop immediately , they were able to put some money in my pocket as well , Here’s the best thing, it cost me nothing for them to help me. They come highly recommended. Thank you Consumer Rights”

“I had the pleasure of dealing with Consumer Rights Law Firm PLLC on 2 different occasions the staff were very courteous and helpful and they were familiar with the Collection Agencies in question and the harassment calls stop, I was even compensated. I would recommend this company to anyone going thru this type of harassment a very satisfied customer.”

“I would highly recommend the Consumer Rights Law Firm to anybody that has been harassed! They were very professional and straightforward about my rights.”

Check out a links below for more information:

Attorney Derek DePetrillo

Attorney Derek DePetrillo graduated from the Massachusetts School of Law in 2007 and was admitted to practice law in the State of Massachusetts in 2007. Mr. DePetrillo is also licensed in many federal jurisdictions across the United States.

Mr. DePetrillo has been assisting consumers with consumer protection since 2010. Mr. DePetrillo’s main area of practice is under the Fair Debt Collection Practices Act, the Telephone Consumer Protection Act, and the Fair Credit Reporting Act. Mr. DePetrillo has filed countless lawsuits and arbitration claims against debt collectors and banks. Mr. DePetrillo fights for the little people who have had their rights violated and need a helping hand to guide them through the stressful times of debt collection.