Skip to content
Debt Settlement Letter By Collection Agency
Free Legal Help

Debt Settlement Letter to Medical Financial Solutions*

Stop the

You have legal rights. We can help.


Experiencing a medical emergency can turn your world upside down. Not only do you have to deal with the trauma caused by intense pain and lingering memories of the incident, you also have to deal with rapidly mounting medical bills.

After a few months pass, you received a letter from Medical Financial Solutions requesting full payment for an outstanding medical bill. How do you handle the immense debt burden?

The answer might be to propose a debt settlement that works for both parties.

A debt collection agency such as Medical Financial Solutions wants you to send the entire amount of a delinquent medical account, plus the interest that has accrued over time. The primary goal of a debt settlement agreement is to negotiate terms that allow you to pay a percentage of an outstanding hospital and/or medical center bill.

In a perfect world, you want the third party debt collector to make the first offer, which you counter to initiate negotiations. However, you should consider working with a licensed consumer protection lawyer to gain the most favorable debt settlement terms.

Hire a Lawyer to Negotiate with Medical Financial Solutions

A bill collector like Medical Financial Solutions will have at least one experienced lawyer performing negotiations on a delinquent hospital account. You need to have the same level of experience in your corner to obtain the best debt settlement terms.

A highly rated consumer protection lawyer will closely analyze your personal finances, as well as research the techniques used by the lawyers hired by Medical Financial Solutions. In addition, your lawyer should have a thorough understanding of the Fair Debt Collection Practices Act (FDCPA).

The FDCPA prevents debt collection agencies from implementing deceptive debt collection techniques. A third party debt collector such as Medical financial Solutions is limited to making phone calls to consumers between the hours of 8 am and 9 pm.

Debt Settlement Letter to Ad Astra Recovery Services, Inc.*

Write a Persuasive Debt Settlement Letter

A persuasive debt settlement letter alleviates much of the financial burden of falling behind on medical bills. Here is how the letter should read:


Contact information for Medical Financial Solutions

Account name and number

To whom it may concern:

I recently received a letter from Medical Financial Solutions demanding I pay the entire balance of $9,472 dollars on an outstanding hospital bill. Please refer to the attached copy of your letter.

Because I cannot afford to pay off the entire balance of the hospital bill, my FDCPA lawyer has advised me to propose a debt settlement of $5,000. If you agree to my debt settlement terms, I will immediately send you a personal check for the entire amount.

By signing and dating the bottom of this letter, you confirm neither the original creditor nor your debt collection agency will continue to pursue debt collection efforts.


Your name


Never send a third party debt collector any settlement money until the company agrees to the terms of the debt settlement by signing and dating the bottom of the letter. By following a debt settlement template created by your FDCPA lawyer, you begin the process of removing the medical-related debt from your credit report.

Speak with an accomplished consumer protection lawyer today to negotiate the most favorable terms for a debt settlement with Medical Financial solutions.

Additional Resources

*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.

Free Case Evaluation

    1. Please fill out your contact information:

    2. Has a debt collection done any of the following:

    By submitting above, I agree to the privacy policy and disclaimer and consent to be contacted by an agent via phone call or text message at the phone number(s) listed above, including wireless number(s). Calls may be auto-dialed/pre-recorded. Consent is not required to utilize our services.