Are you being called by Medical Debt Management?* Here's what you need to know
Aggressive debt collectors can ruin your entire day, especially if they yell at you, threaten to garnish your wages, or call you at work after you’ve told them that doing so can get you in trouble with your boss. Don’t tolerate such bullying: you have rights that preclude you from being bullied and intimidated because you owe money.
Your Rights Under the FDCPA
In 1977 Congress passed the Fair Debt Collection Practices Act, or FDCPA, to protect indebted consumers from being bullied into bankruptcy by unethical debt collectors. This federal law protects you by making it illegal for collection agencies to employ pressure tactics like the following:
- Using profane and obscene language
- Contacting your at work after learning that the employer does not permit such calls
- Reporting false information to the credit bureaus
- Ignoring a formal request to cease communications
- Telling your friends, neighbors, and co-workers that you owe money
- Threatening action they cannot legally take or have no intention of taking
Company Profile: Medical Debt Management
If you are being called by Medical Debt Management, information about the company is below.
Medical Debt Management, is a debt collection agency located in Dallas, Texas. It was established in 1974, has 50 to 99 employees, and is managed by its CEO, Barbara Folts. Court records organized and maintained by the PACER (Public Access to Court Electronic Records) website indicate that consumers who believed they were being harassed by Medical Debt Management confronted their pursuers in court.
Alleged Violations against Medical Debt Management
Tommy Barker vs. Medical Debt Management*
According to PACER, in or around early 2016, Medical Debt Management sent a collection letter to Texas resident Tommy Barker demanding payment for an alleged medical debt. When the letter demanded payment and threatened additional action if it was not received, Mr. Barker’s attorney faxed Medical Debt Management a dispute letter. The company, however, allegedly did not verify the debt and reported it to a credit reporting company. Collectors also allegedly contacted Mr. Barker at home on multiple occasions.
Feeling harassed by Medical Debt Management, he hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Calling him directly when he had retained legal counsel
- Failing to report a debt as disputed to the credit bureaus
- Misrepresenting the character, amount, or legal status of the alleged debt
- Using false, deceptive and misleading means to collect a debt
- Using unfair and unconscionable means to collect a debt
The matter was later settled.
Hire an Attorney
The phone numbers for this collection agency are:
If any of these numbers appear on your caller ID when the phone rings, it means that you are being called by Medical Debt Management. If they report inaccurate information to the credit bureaus, hire a consumer attorney. If you file a claim against Medical Debt Management with your attorney’s assistance and win, you could receive $1,000 per FDCPA violation plus damages and court costs. Stand up for yourself if a debt collector goes too far, as the law is on your side.
*Case taken from PACER (www.pacer.gov). File number is Case 1:16-cv-00441-RP from the United States District Court for the Western District of Texas, Austin Division.
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 Debt Management, or any other third-party collection agency, you may not be entitled to any compensation.