Use this information to learn more about your rights and options concerning medical debts, medical insurance bills, interest charges on medical debts and more…

If you believe a a medial bill is being collected wrongly, or you believe you are a victim of illegal or unfair debt collection practices, submit your information to a FREE* Fair Debt Lawyer by:

The debt collector may just be liable to you for statutory damages of up to $1,000, plus any actual damages suffered, plus attorney fees!

Medical Debts: Medical bills fall under the Fair Debt Collection Practices Act because medical debt meets the definition of a “debt” under rule 803(5):

This rule defines “debt” as, “a consumer’s obligation to pay money arising out of a transaction in which the money, property, insurance, or services are primarily for personal, family, or household purposes.”

The rule goes on to state the term “debt” also includes overdue obligations such as medical bills that were originally payable in full within a certain time period (e.g., 30 days); dishonored checks that were tendered in payment for goods or services acquired or used primarily for personal, family, or household purposes; and student loans, because the consumer is purchasing “services” (education) for personal use.

The term “debt” does not include unpaid taxes, fines, alimony, or tort claims, because they are not debts incurred from a “transaction (involving purchase of) property . . . or services . . . for personal, family or household purposes.”

Medical Insurance:
Two common mistakes: 1) Thinking that your insurance company is responsible for paying your medical bills and, 2) Thinking medical providers are required to bill your insurance company.

The truth is, consumers are responsible for their own medical debts. This means consumers must ensure their insurance company is billed in a timely manner and billed correctly. It also means they must follow up in a timely manner to ensure the medical bill gets paid.

As a convenience for you, most medical providers will offer to bill your insurance company. Accepting their offer does not relieve you of the responsibility of ensuring the medical bill gets paid. It’s not uncommon for medical providers to submit medical bills after an insurance company’s deadline for filing. In some cases, the provider may, for a number of odd reasons, not submit the medical bill at all. Regardless of the reason, the bottom line is that the consumer is still responsible for paying off the medical debt.

In some cases, your insurance company may reject the bill or flat out refuse to pay. If this happens, the medical provider will expect you to pay the bill and, unless you’ve disputed the debt, you are legally expected to pay the bill in a timely manner. The fact that your insurance company did not pay is not the medical provider’s concern! You may have to argue with your insurance company or go through dispute resolution but, the medical provider is entitled to timely payment. You may have to pay the provider yourself and then work with your insurance company to get reimbursed.

Always read the medical provider paperwork (contract for services rendered) carefully!

Medical Bill Disputes:
Medical bills and old medical debts that you consider invalid can be disputed just like any other debt.
Disputing Medical Debts

Just like any debt, interest can be added to medical bills IF the original contract or paperwork allows it AND your state law does not prohibit it. Even if the original paperwork allows it, ALWAYS check your state law to make sure you are not being overcharged. Some states limit the amount of interest and the amount of collection fees.

Statute of Limitations on Medical Debts:
Medical debts are generally considered closed-ended credit contracts with a definite pay-off time limit. Unless you have a separate agreement, medical debts are usually payable at the time services are rendered or, in some cases within 30 days. Check your State’s Statute of Limitations (SoL)


  1. William Graham says

    Recently as I left one job and went to another I was without healthcare insurance and had to visit an emergency room for 9 staples. I received a bill from the hospital but never got one from the treating physicians group. I received a letter from Trevor Solutions In another state that was vague about who they represented. I contacted them and they said they could not give out information about the group they represented as it would be a HIPPA violation then proceeded to ask me all sorts of questions. I was not comfortable giving important information to some by phone as they were not forthcoming about what the reason for contacting me was. I soon started receiving phone calls and tried returning them but never could reach an agent even though the automated answering system stated their hours of operation. I eventually got a third and final warning letter with a law firms emblem on the top stating it was my last opportunity to cooperate by rendering the required information. I then contacted Trevor Solutions and tried to ask them for an itemized bill of the debt I owed. The agent claimed he didn’t have to send me one and I asked how much he would accept that day to stop the calls and he claimed he wouldn’t accept payments. when I asked how I was to pay for the debt he answered they would go to collections. I eventually got the physicians group, Schumakers Doctor Group to send me an itemized bill which I received at about 72 days after treatment. They were puzzled as to why I never was sent a bill as Trevor Solutions was to work on the subjugation of charges with me. The hospital bill had some double and false charges that I was able to dispute in person but the people I am to dispute the physicians group bill with is Trevor Solutions who says they cant share information with me and doesn’t have to send a bill to me and while they wont take any payments from me will collect through their in house lawyers. I still have 22 days to file a dispute about the bill the treating doctor has filed with his physicians group and have concerns about how to prevent this from going to collections as it seems to be the path Trevor Solutions wishes to take. Any help or advice on this matter would be greatly appreciated. I await your response and thank you for your time

    • says

      Amongst the vast array of credit charges consumers incur, medical bills are amongst the most inaccurate and ripe for dispute. And if charges are deemed inaccurate, or validation processes not followed, medical bills turn into FDCPA cases that can earn consumers up to $1,000 or more, plus a lawyer at no charge to the consumer. Now even though everyone would like collections to be perfect, they are not, and the this consumer protection law was enacted to be used. Learn info on disputing debt collections here or just hire LawCent to perform all your debt collection and credit report disputes for as little as $20 a month. If you aren’t satisfied with the services, cancel before you pay the prior month’s bill — even after they send the disputes! Sign up through this site and pay One Cent to hire the LawCent legal team. Learn more about LawCent.

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