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Updated on Author: Contributing Author: Sergei Lemberg

Are You Being Called By Medical Financial Solutions?*

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Are you being called by Medical Financial Solutions?* Here’s what you need to know.

Are debt collectors calling you at all hours, leaving you hostile and imposing voicemail messages? Are they talking about the debt with your friends, family, and co-workers? Telling you that they will garnish your wages? You don’t have to tolerate such abuse. The law says so.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act (FDCPA) regulates how third-party debt collectors may deal with consumers while trying to collect a debt. They are required to behave professionally and refrain from underhanded or abusive tactics like those listed below:

  • Using obscene or profane language
  • Contacting them at their workplace after being advised that such calls are not permitted
  • Threatening action they are not in a position to legally take
  • Calling before 8:00 a.m. and after 9:00 p.m. in your time zone
  • Calling your friends, neighbors, and co-workers and telling them that you owe a debt
  • Reporting inaccurate information to the credit bureaus

Are You Being Called By Medical Financial Solutions?

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Company Profile: Medical Financial Solutions

If you are being called by Medical Financial Solutions, information about the firm is below.

Medical Financial Solutions is a debt collection company located in Kalamazoo, Michigan. It was established in 2005, has 76 employees, and is managed by its Vice President, Vivian Boyd. Digitized records retained at the PACER (Public Access to Court Electronic Records) website indicate that many people who believed they were being harassed by Medical Financial Solutions finally dealt with the situation in court.

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Alleged Violations against Medical Financial Solutions

Dorothy Crump vs. Medical Financial Solutions*

According to PACER, in or around early 2010 Medical Financial Solutions began trying to collect a medical debt from Michigan resident Dorothy Crump. Ms. Crump later alleged that the company left voicemail messages that did not meaningfully disclose the caller’s identity as a debt collector and only used the company named ‘MFS’.

Feeling harassed by Medical Financial Solutions, Ms. Crump hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:

  • Using harassing, oppressive, or abusive means to collect a debt
  • Using false, deceptive and misleading means to collect a debt
  • Leaving voice messages that did not disclose the company name

The matter was later resolved.

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Hire an Attorney

The phone number for Medical Financial Solutions is 1-269-910-7810. If it appears on your caller ID when the phone rings, it means that you are being called by Medical Financial Solutions. If they leave voice messages that do not meaningfully disclose the caller’s identity, hire a consumer attorney. Lack of transparency is illegal under the FDCPA, and if you file a claim against Medical Financial Solutions with your attorney’s help, you could potentially win $1,000 per violation as well as attorney’s fees, court costs, and any actual damages. Fighting back against bullying collection agencies can literally pay off.

*Case taken from PACER ( File number is Case 1:10-cv-00656-RJJ from the United States District Court for the Western District of Michigan, Southern 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 Financial Solutions, or any other third-party collection agency, you may not be entitled to any compensation.

About the author:

Contributing Author: Sergei Lemberg

Sergei Lemberg is a consumer rights attorney, practicing since 2006, whose practice focuses on consumer law, class actions and personal injury litigation. He is known for a United States Supreme Court case (Facebook v. Duguid) defending consumers from autodialers under the Telephone Consumer Protection Act of 1991 to send unsolicited text messages. He is also the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.

See more posts from Contributing Author: Sergei Lemberg
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