Most medical facilities, including private practitioners, rely on collection agencies to collect medical debts. These agencies, in turn, depend on the ever reliable collection agency merchant accounts to help process their transaction easily from providers such as eMerchantBroker.com.
However, collection agencies have proven to be brutal in the past, in some cases even calling defaulters in the night. This is wrong and shouldn’t be allowed to happen. Of course it’s good practice to repay your debts, more so medical bills. But the fact that you’re currently in an awkward position financially isn’t a reason for an agency to knock at your door whenever they feel like.
If you’re behind in paying your medical bills and are being hounded by a collection agency, here are a few tips to deal with the problem;
1. Do not ignore the bill
Medical service providers don’t usually hand over an account to a collection agency immediately. Instead, they will try to deal with you directly to see whether you are willing to solve the matter amicably. If they see that you’re doing well with the repayment, they may never involve an agency in the first place. You just have to discuss your situation with the facility management, agree on a repayment plan, and honor the agreement.
2. If you don’t owe the money, dispute the debt
It is very possible that a collection agency might have gotten the wrong information or that the medical services provider is hunting you down mistakenly. If you believe that you don’t owe any bills, write to the agency disputing the debt and give your reasons for doing so. With this done, the agency can only continue to pursue you after serving you with a proof of the bill you owe.
3. Keep helpful records of your conversations
Anytime the agency calls, pick a pen and in your note book, write down the name of the caller, the time of the call, a summary of the conversation, and the amount he or she says you owe. Later, this information might be needed to determine whether the agency acted within the law.
4. Say little and stand firm
Finally, you need to understand that anytime a collection agency calls, they will be interviewing/interrogating you. Saying too much and changing your position on the matter can therefore be costly. So, make our replies short and maintain your position on the matter throughout.