fdcpa rules

Can Medical Debt Collectors Charge Interest? The Rule Most Patients Don’t Know

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Medical Debt Collection Interest

Medical debt collectors can only add interest to your balance if you signed a specific agreement authorizing it, or if your state law expressly permits it. Most standard hospital admission forms do not contain interest-bearing clauses, making added fees on those bills a potential violation of federal law. If a collector adds unauthorized interest, they … Read more

What to Do When Medical Debt Goes to Collections: The First 30 Days

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What To Do When Medical Debt Goes To Collections

The 30 days immediately following your first contact with a medical debt collector dictate your options. What you do during this window determines your leverage. Never make a payment or give out banking information during the initial phone call. Paying without validating the debt confirms you owe it and can accidentally restart the legal clock … Read more