Medicredit Debt Collection Harassment?
Third party debt collectors like Medicredit are tasked with the responsibility of recovering debts on behalf of businesses and creditors. So, if Medicredit or any other debt collector is calling you, you are not alone. Lots of people are going through the exact same thing, getting calls from Medicredit or another collection agency.
Falling into debt is nothing out of the ordinary. It happens to people at different times in their lives. And it is perfectly normal for a debt collector to call you about a debt. What is not normal however, is for the debt collector to harass or threaten you. That is unfair and unacceptable.
Understanding your rights under the FDCPA gives you the advantage to protect yourself from harassment and unfair debt collection practices.
If you are harassed during Medicredit debt collection, your rights under the FDCPA have been tampered with. The FDCPA was passed by the Federal Trade Commission to protect consumers from unfair debt collection practices, so it is important to apply all relevant legal protections and information when dealing with debt collectors.
In whatever form it comes, be it through the use of profane and obscene words, or through threats of arrest and jail term, debt collection harassment is not funny and should not be treated with levity. Call us now if you’re experiencing Medicredit phone harassment or any other form of harassment.
Should you stop a debt collector from contacting you?
If you’re experiencing Medicredit phone harassment, you have the ability to stop them from calling. You can do that by simply sending a cease and desist letter. It is important to send your cease and desist letter via mail to ensure proper documentation and to create a paper trail.
A cease and desist letter mandates them to stop all forms of Medicredit debt collection calls.
But this is only a good idea if you’re sure that the debt that the debt collector is calling you about is either not your debt, or is an already paid or settled debt. In this case, you should send a cease and desist letter. And if the collection agency still calls you afterwards, you have every right to sue them.
If however, the debt in question is yours and is valid, it is not advisable for you to stop Medicredit debt collection calls completely. This is because Medicredit debt collection could come back with an uglier face, a lawsuit. In such cases, responding appropriately to lawsuits or disputes is crucial to protect your rights. If you are sued by Medicredit, you may be able to raise the statute of limitations or other affirmative defenses in court. You may have an affirmative defense, such as the statute of limitations, which can be raised to potentially dismiss the case.
If you’re facing Medicredit phone harassment, we understand how tough that can be, but there are better ways to stop it than cutting off communications with the debt collector. Call us today.
Is Medicredit a scam?
According to the Better Business Bureau website, Medicredit Corp has been in business since 1977. Medicredit is not accredited by the BBB, and there are numerous consumer complaints listed on the BBB’s website. You can search the BBB’s website for more information about Medicredit Corp and review consumer experiences. There have been 243 customer complaints filed.
Medicredit Better Business Bureau
Who is Medicredit?
Medicredit Corporation is a debt collection agency located in St. Louis, Missouri that purchases charged-off medical debts from hospitals and clinics. Medicredit is a collection agency owned by The Outsource Group, which is known for acquiring and collecting on unpaid medical loans and other debts. The Outsource Group’s business model involves buying charged-off debts and aggressively pursuing collection efforts, including legal action.
Medicredit has been a party to over 460 federal cases, many of which are examples of past legal actions involving their credit and debt collection practices. When Medicredit attempts to collect on a specific account, it can impact your credit report and score. A recent Federal Court case alleges that Medicredit used illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer.
Address: 111 Corporate Office Dr Ste 200 Earth City, MO 63045-1506 Phone: (800) 888-2238
Medicredit Phone Numbers
from any of these numbers?
800-888-2238, 571-423-5802, 800-823-2318, (800) 823-2318, (877) 395-3125, (800) 888-2238,
If so, you may be a victim of Medicredit debt collection harassment. The list above is not all the numbers that Medicredit uses. Also, calls can be from a different numbers and it still be Medicredit calling you. Contact our office right away so we can start the process to stop Medicredit from calling you illegally. Above all, no one should live with harassment.
Credit Report Implications
When you’re contacted by Medicredit or any other debt collection agency, it’s important to understand how this can affect your credit report. Debt collection agencies like Medicredit often report unpaid debts to the major credit bureaus, which can have a significant impact on your credit score. This can make it more difficult to qualify for loans, credit cards, or even certain services in the future.
The Fair Credit Reporting Act (FCRA) sets the standards for how debt collectors and collection agencies report information to credit bureaus. This law is designed to ensure that the data on your credit report is accurate and up-to-date. If you notice that Medicredit is attempting to collect a debt from you, it’s crucial to respond quickly—whether that means contacting the agency, negotiating a payment plan, or disputing the debt if you believe it’s incorrect. Taking action can help prevent further damage to your credit report and may even improve your credit score over time if you’re able to resolve the debt.
Most collection agencies, including Medicredit, are required to follow fair debt collection practices. If you believe that Medicredit has reported inaccurate information or violated your rights, you have the right to file a complaint with the Better Business Bureau (BBB) or the Federal Trade Commission (FTC). Checking the BBB’s website can also give you insight into Medicredit’s business practices and any complaints other consumers have filed.
To protect your credit and your rights, always respond to phone calls and letters from debt collectors, keep records of all communications, and regularly monitor your credit report for any changes. If you find errors or believe that your rights under the FCRA or the Fair Debt Collection Practices Act (FDCPA) have been violated, consider reaching out to a consumer protection attorney for guidance.
Remember, you don’t have to face debt collection alone. There are laws in place to protect you from unfair practices, and resources like the BBB and FTC can help you hold debt collection agencies accountable. By staying informed and proactive, you can minimize the negative effects of debt collection on your credit report and work toward a healthier financial future.
Common Questions:
Is Medicredit a scam? No, Medicredit has been in business since 1977.
Can Medicredit seize my property? Medicredit 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 obtained a judgment against you, the debt collector may be able to take certain property as permitted by the court.
Can Medicredit sue me? Yes, Medicredit can sue you, and such lawsuits are typically filed in district court. The statute of limitations for debt collection cases is usually three years, so Medicredit must file within that period. In court, Medicredit has the burden of proof to establish your liability for the debt. They must prove that you owe the debt and the amount owed. If you are sued, you may choose a course of action such as negotiating a settlement outside of court. When negotiating a payoff, always secure a written agreement that clearly outlines the terms. Be cautious of any false promise from a debt collector regarding the removal of negative credit items, as they cannot legally guarantee this.
Can Medicredit report my debt to the collections bureaus?
Can Medicredit arrest me?
The following is a sample list of complaints filed against Medicredit, Inc. in 2019 and can be found on Pacer.org.
2:19-cv-02157-CM-GEB Corbin et al v. Medicredit, Inc.
1:19-cv-00609-WJM-KMT Wiederkehr v. Medicredit, Inc.
3:19-cv-00163 McClanahan, et al. v. Medicredit
3:19-cv-00084-wmc Jones, Leander v. Medicredit, Inc.
1:19-cv-00528-TWP-DML FRAZEE v. MEDICREDIT, INC.
CONSUMER RIGHTS LAW FIRM, PLLC
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 Medicredit debt collection harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
If you are interested in learning more about how to safeguard yourself and prevent even more Medicredit debt collection harassment, 📞call us at (877)700-5790 for immediate assistance or visit our website at www.consumerlawfirmcenter.com
Success Stories
- Consumer Rights Law Firm is amazing! Derek was A+ all the way getting a Debtor to stop harassing me & even had them pay the court costs & fees! I am flabbergasted- had to pinch myself even!!! Thank you SO much Derek! Would most definitely recommend this firm to anyone who is going through the same thing. Give them a call!⭐⭐⭐⭐⭐
- Amazing! My experience was very quick and easy and I got a nice settlement in no time. Also, their word was kept as far as not paying any fees. Zero out of pocket, and great settlement in return. 5 stars!⭐⭐⭐⭐⭐
- Being completely honest I was extremely hesitant and worried about this being a joke. I am extremely grateful that I took a chance with Matt and he took care of me, even answering my calls/texts at any time of the day. He was able to get the harassment to stop from the debt collector within a week (nonstop robo calls) and roughly a month after signing him as my attorney he called me stating me debt of over 4k was waived. No attorney fees, no debt and no more spam calls. Thank you so much, massive weight has been lifted off my shoulder. These guys are the real deal⭐⭐⭐⭐⭐
Frequently Asked Questions
1. Who is Medicredit?
Medicredit is a third-party debt collection agency that collects unpaid medical bills for hospitals and healthcare providers.
2. Can Medicredit call me legally?
Yes, they can contact you about a debt, but they must follow the FDCPA and state laws.
3. What is considered Medicredit harassment?
Harassment includes repeated calls, threats, yelling, calling your workplace, or sharing your debt with others.
4. Can I stop Medicredit from calling me?
Yes. Send a written “cease and desist” letter, and they must stop most contact.
5. Does Medicredit have to prove the debt?
Yes. You can request debt validation, and they must provide written proof.
6. Can Medicredit report the debt to credit bureaus?
They can, but the information must be accurate and fair.
7. Can Medicredit sue me for unpaid debt?
It’s possible, depending on the amount and the statute of limitations in your state.
8. What should I do if Medicredit is harassing me?
Document everything, save messages, and contact a consumer protection attorney.
9. Can I dispute a debt with Medicredit?
Yes. You can dispute the debt in writing, and they must investigate the claim.
10. How can a lawyer help me?
A lawyer can stop harassment, demand verification, and help you recover compensation for illegal collection actions.
