Debt collection agencies are hard to deal with, because many are already down on their luck when they get these calls. Once a certain amount of time has passed, creditors and other companies will often sell your debt to collectors. Unfortunately, many agents are known for harassment, deception, and unfair treatment.
Medicredit’s headquarters is located in St. Louis, Missouri, and there are offices all over the United States. Unlike other collectors, Medicredit doesn’t buy debt—there is an agreement between Medicredit and the healthcare companies it works for. It works exclusively in healthcare.
To protect consumers, the Federal Trade Commission passed the Fair Debt Collection Practices Act (FDCPA) stop the abuse from collection agencies. After contacting you the first time, Medicredit must send you a collection letter with five days, among other things. Violations of the FDCPA include:
- Calling you before 8:00 a.m. or after 9:00 p.m. without your permission.
- Calling you at work without your permission or if your employer doesn’t allow it.
- Calling you at any other time you told them was inconvenient for you or after you’ve told them to stop.
- Harassing friends and family members or telling them you owe a debt.
- Lying about who they are or the amount you owe.
- Threatening legal action they can’t take or don’t intend to take.
- Using abusive or obscene language or harassing you in any other way.
Laws Medicredit Has Been Accused of Breaking*
Medicredit isn’t accredited with the Better Business Bureau and has no rating. Over the last three years, consumers have filed almost 250 complaints with the BBB, 95 in the last year. They have also been summoned to court over 20 times since 2012.
- Uses obscene and rude language and otherwise verbally harasses consumers during phone calls.
- Disregards requests for stopping calls.
- Tries to collect debts that were already paid.
- Tries to collect debts from the wrong person.
- Manipulating consumers or creating payment issues resulted in consumers paying more than their balance
- Fails to provides copies of unpaid debts
What to Do if Medicredit is Trying to Collect a Debt from You
You don’t have to allow Medicredit to continue to contact you, especially if the debt doesn’t belong to you. It’s your right. You need to submit the request for cease contact in writing to the collection agency. Make sure to write the date and time down of every time they call after they receive your request. Ordering them to stop contacting you will not relieve you of the debt, if you do owe money. It only gives you peace from the excessive calling.
After receiving your stop contact request, they are only allowed to contact you again for two reasons. First, to let you know they received it and you won’t be hearing from them anymore. Second, to tell you they are taking a specific action against you, usually summoning you to court.
Don’t ever ignore a lawsuit. If Medicredit summons you to court and you don’t show up, the case will automatically be defaulted. The ruling judge can order a bank levy or and garnished wages. They can even order the bank to pay Medicredit without your approval. You need to attend the trial.
You should contact a FDCPA attorney as early as possible. If you think you’ve been treated unfairly or Medicredit has violated part of the FDCPA, a attorney can help you. You could be awarded up to $1,000 per violation. Once you’ve gotten a attorney, he or she can go through your evidence with you to determine if you have a case.
*According to customer complaints on the Better Business Bureau and Consumer Affairs websites.
Disclaimer: The content of this article serves only to provide information and should not be construed as legal advice. If you file a claim against Medicredit or any other third-party collection agency, you may not be entitled to any compensation.