The FDCPA and Medical Bills: What Debt Collectors Are Actually Allowed to Do
The critical blind spot: The Fair Debt Collection Practices Act (FDCPA) covers third-party collection agencies, not the hospital’s internal billing department. The 7-in-7 Rule: Collectors are generally limited to 7 calls in a 7-day period per account; exceeding this is a common, documented violation. Strict validation rights: You have 30 days from first contact to … Read more