medical debt collection laws

Are Medical Collections Legal? What the Law Actually Allows (And Where It Doesn’t)

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Are Medical Collections Legal

Medical debt collections are generally legal under federal law, giving hospitals the right to outsource unpaid accounts to third-party agencies. However, a collection attempt becomes illegal if the agency violates the Fair Debt Collection Practices Act by harassing you or lying about what you owe. Nonprofit hospitals are required by federal tax law to screen … Read more

The 2AM Collector Call: And What It Changed About How I Think About Medical Debt

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The 2am Collector Call

Debt collectors frequently use high-pressure tactics, like calling at unexpected hours, to create a false sense of emergency and force immediate payments. Under federal law, phone calls from collectors before 8:00 a.m. or after 9:00 p.m. in your local time zone are illegal and can be documented as violations. Fear costs patients money. By requesting … Read more