Are you being called by Medical Credit Management Company?* Here's what you need to know
If you’ve been contacted by a collection agency, don’t be intimidated, ashamed, or frightened, no matter what they tell you. Stand your ground and realize that many of these threats are calculated to get your money and have no basis in reality. (Hint: you will never go to jail for failing to pay a debt.) Take a deep breath, learn your rights, and prepare to fight back.
Your Rights Under the FDCPA
While debt collectors are allowed to contact you about paying a debt, the Fair Debt Collection Practices Act (FDCPA) prohibits them from using unethical actions like the following. Disregarding the law can lead to fines and even license revocation.
- Calling you outside of the 8:00 a.m. - 9:00 p.m. time frame in your time zone
- Pretending to be police officers or government agents
- Using profane or obscene language
- Trying to collect amounts that exceed the original debt
- Contacting you at work despite knowing that personal calls are not allowed there
- Making threats they have no intention of following up on
Company Profile: Medical Credit Management Company
If you are being called by Medical Credit Management Company, information about the company is below.
Medical Credit Management Company is a debt collection office located in Boulder, Colorado. It was established in 1953, has approximately 50-99 employees, and is managed by its owner, Stephen Johnson. Its exclusive speciality is medical debt. According to litigation files retained by the PACER (Public Access to Court Electronic Records) website, consumers who believed they were being harassed by Medical Credit Management Company sued the agency to stop the unwanted calls and communications.
Alleged Violations against Medical Credit Management Company
Issa Bailot vs. Medical Credit Management Company*
According to PACER, in or around early 2009 Medical Credit Management Company allegedly contacted Colorado resident Issa Bailot in an attempt to collect an alleged outstanding debt. She later asserted that collectors told her that collection efforts will not stop until the debt is paid (whereas the FDCPA requires that collection actions must stop on receipt of a letter requesting same) and demanding payment despite the fact that she had disputed the debt.
Feeling harassed by Medical Credit Management Company, Ms. Bailot hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Using false, deceptive, and misleading means to collect a debt
- Demanding immediate payment even though the debt was disputed
The matter was later resolved.
Hire an Attorney
The phone number for this debt collection company is 1-303-444-5072. If it appears on your caller ID when the phone rings, be aware that you are being called by Medical Credit Management Company. If they push for you payment even after you have disputed the debt, hire a consumer attorney. If you file a claim against Medical Credit Management Company and win, you could potentially be awarded $1,000 per FDCPA violation in addition to court fees and costs. Never assume that a debt collector can threaten and bully you with impunity. There are definitely consequences.
*Case taken from PACER (www.pacer.gov). File number is Case 1:09-cv-01442-JLK-KMT from the United States District Court for the District of Colorado.
Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against Medical Credit Management Company, or any other third-party collection agency, you may not be entitled to any compensation.