Stop Collections

Did Medicredit Threaten You?

If you have been unable to pay your monthly bills for a while, or you have even been falsely accused of owing money, there are resources available to protect you and your family.

This is in the form of the Fair Debt Collection Practices Act (FDCPA) which was first established in 1978 to prevent third-party debt collectors from using harassment tactics against consumers and their families.

It appears that not all debt collectors take notice of the FDCPA.

If you are sure that Medicredit has been threatening you, you may find you are eligible to file a FDCPA lawsuit.

About Medicredit

Medicredit is a debt collection agency with its headquarters in St. Louis, Missouri. It only works for healthcare companies.

Medicredit is not accredited with the Better Business Bureau so it does not have a rating.

Over the past three years, 250 complaints against the agency have been filed by consumers with the Better Business Bureau 95 have taken place in the last year.

Since 2012 they have been summoned to attend court more than 20 times.

Their debt collectors have been accused of attempting to collect debts that have already been settled, using rude and obscene language over the phone as an harassment tactic and tried to collect debts from people who do not owe anything.

Did Medicredit Threaten You?

What is Considered a Threat?

The FDCPA spells out clearly the types of threats that debt collectors are not permitted to use.

If Medicredit has taken any of the following actions, they are violating the terms of the FDCPA:

  • physically harmed a debtor by using violence or damaged the debtor’s reputation;
  • threatened to take away a debtor’s property;
  • threatened to try to garnish your wages;
  • used threats to get you arrested for non-payment of a debt;
  • published a debtors’ list and threatened every name on the list with legal action.

Damages You May Be Entitled to

If as a debtor you are able to prove harassment in court you may receive $1,000 in compensation.

In addition, the court could award actual damages, such as physical and emotional damages, and compensation for loss of wages and wage garnishment.

The debt collector might be told to pay the debtor’s attorney fees.

Overall, physical damage awards tend to cover ailments that are easy to prove.

This includes serious headaches, rashes, and problems with the cardiovascular issues.

Because of the stress and anxiety put on a debtor, attorneys often file a damage claim for emotional distress.

End the Threats Today

If you have the evidence that Medicredit threatened you, it will have to face legal repercussions.

It is important to speak with an FDCPA attorney who specializes in creditor harassment who will inform you of your rights and your chance to prevent Medicredit from threatening you.

Complete our Free Case Evaluation to be connected with an FDCPA attorney who handles consumer law cases in your state.

Additional Resources

*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 compensation.

Did Medicredit Make False Statements Regarding Your Debt?

You receive a letter in the mail from a debt collection agency demanding payment on an outstanding credit card or personal loan account. The letter ends with the statement that if you do not take care of the debt, the third party debt collector will contact the three major credit reporting bureaus to inform the agencies of your financial situation.

Stress and anxiety immediately overwhelm you and over the course of a few days, you make a few financial decisions that you would not have made if the bill collector had not threaten to contact Equifax, Experian, and TransUnion.

Did Medicredit make false statements regarding your debt? If you answered yes, you should know a federal consumer protection law prohibits the issuing of false statements by a debt collection agency.

Making False Statements is against the Law

Enacted by the United States Congress on September 20, 1977, the Fair Debt Collection Practices Act (FDCPA) makes it illegal for third party debt collectors to implement overly aggressive debt collection tactics. A company like Medicredit is barred from harassing you over the phone, which can include calling you at odd hours of the day. The FDCPA allows bill collectors to contact consumers only between the hours of 8 am and 9 pm.

Another provision of the FDCPA forbids companies from making false statements. In the example that described a bill collector threatening to contact the three primary credit reporting agencies, the third party debt collector was out of line by making the false statement.

If you fail to pay off a financial obligation within a legally decreed period as specified by law, then your financial information automatically goes to the big three credit reporting bureaus. A bill collector is not allowed by law to pass on your personal financial information to any other person or organization.

False Statements Must be “Material”

The false statements provision of the FDCPA received a major change in 2018. A ruling issued by the United States Court of Appeals for the Eighth Circuit declared consumers much do more than simply prove a bill collector made false statements.

You now have to show the false statements were “material” in affecting your ability to evaluate financial options. For example, if the false statements made by a debt collection agency caused you to tap into a retirement account, then the false statements might be considered “material” to how you made financial decisions.

Did Medicredit Make False Statements Regarding Your Debt?

Are You Entitled to Monetary Damages?

Under the FDCPA, consumers have the right to file lawsuits that seek just compensation for the pain and suffering caused by a third party debt collector. Just compensation refers to actual damages, such as the cost of treating physical and/or emotional duress symptoms.

Proving the existence of physical and/or emotional distress symptoms and linking the symptoms to the false statements made by a bill collector require the legal expertise of a licensed federal consumer protection attorney who specializes in handling FDCPA cases. Your FDCPA attorney will present convincing physical evidence that includes medical documentation of your ailments.

Never allow a debt collection agency to get away with making false statements regarding your debt. Schedule a free initial consultation today with a highly rated FDCPA lawyer.

Additional Reading

*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 compensation.

Did Medicredit Misrepresent Themselves?

Why do so many debt collection agencies cross the legal line when it comes to collecting outstanding consumer debts? The answer is an incredible amount of money for taking over the responsibility of collecting delinquent credit card and personal loan accounts. Original creditors like Visa and British Petroleum either pay companies a commission for collecting debts or sell consumer debts for a fraction of what was initially owed.

It is the second method that gets some third party debt collectors in legal hot water.

For example, let’s assume a company bought your consumer debt for 50% of what was actually owed on the account. The bill collector will be motivated by an incredible profit margin to do whatever it takes to motivate you to pay off the outstanding credit card or personal loan balance.

Your best defense to fight off the overly aggressive debt collection techniques used by a third party debt collector involves taking advantage of a federal consumer protection law that has withstood the test of time for more than 40 years.

About Medicredit

Accredited by the Better Business Bureau (BBB) since 2016, Medicredit does not purchase outstanding consumer debts. Instead, hospitals and physicians refer clients to Medicredit to settle unpaid accounts. Consumers have 30 days to respond to the communications sent by the Earth City, Missouri company. Medicredit follows federal consumer protection law by giving consumers 30 days to respond and if the company does not receive a response, it has the right to report the consumer to the three primary credit reporting agencies. Because of its commitment to following the law, Medicredit has not receive a consumer complaint over the past three years.

Did Medicredit Misrepresent Themselves?*

Deceptive Debt Collection Tactics are against the Law

You should know that a debt collection agency is not allowed to deceive you in any way. One common method of deception for third party debt collectors involves the technique of impersonating the IRS. Because of the fear most consumer have for falling in bad graces with the IRS, some bill collectors leverage the fear to coerce consumers into taking care of their outstanding debts. Another form of misrepresentation is when a company claims it has contacted a third party regarding your debt. Shame is a powerful motivator and far too many debt collection agencies try to shame consumers into paying off delinquent credit card and personal loan balances.

Are You Eligible for Monetary Damages

The FDCPA allows consumers to file claims seeking monetary damages for one or more violations of the monumental federal consumer protection law. You have the right to seek statutory damages, which are capped by the FDCPA at $1,000. One-time awarded statutory damages cover every FDCPA violation.

Actual damages, which have no financial limit, pay for the pain and suffering caused by physical and/or emotional duress symptoms. Physical distress symptoms include the onset of migraine headaches, as well as a rapid increase in blood pressure. Emotional duress symptoms are harder to prove and the symptoms typically involve a diminished ability to deal with stress and anxiety.

Never let a bill collector deceive you into paying off an outstanding debt. Schedule a free initial consultation today with a highly rated consumer protection attorney that has considerable experience litigating FDCPA cases.

Additional Resources

*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 compensation.

Did Medicredit Not Validate Your Debt?

If you have been harassed by a debt collection agency like Medicredit or have been approached about a debt that you are unaware of, you should be aware that you are protected by federal legislation, the Fair Debt Collection Practices Act (FDCPA).

Although this Act was first enacted back in 1970, it has recently been strengthened and prevents third party debt collectors like Medicredit from constantly pestering debtors, especially in antisocial hours.

It also makes it obligatory for debt collectors to provide clear details of the debt they are attempting to recover on behalf of their clients. If you are aware of a breach of the FDCPA by Medicredit you have the right to sue the agency for damages of up to $1,000 together with legal costs, including attorney’s fees and court costs.

Medicredit – Company Profile

Medicredit is a multi location debt collection company that specializes in collecting debts owed to health providers such as hospitals and individual doctors. The company claims that it sends out a letter to any person who it has been advised is a debtor of the amount of debt owed and what the debt is for.

If there is no response, the company then advises credit agencies of the lack of response. The Better Business Bureau (BBB) has given Medicredit a rating of A+ despite the fact that it has received 212 complaints to date of Medicredit’s business behavior.

Did Medicredit Not Validate Your Debt?

What Is a Debt Validation Letter? And Why Do You Need It?

If you have been approached by Medicredit or any other debt collection agency and you are still unsure of the debt you supposedly owe, you should send a debt verification letter to the company that has contacted you.

Make sure you send the letter by registered mail so that the date is recorded in the event you later take legal action. You can make the request by email as well, but make sure it is backed up by a hard copy version that goes by post.

By law, the company must provide a debt validation response within 5 days of receipt of your letter. The response must provide clear details of the debt owed, the amount, the name of the creditor and what the debt is for.

A failure to respond satisfactorily could lead to you taking legal action against them with the help of an FDCPA attorney.

Talk to an Attorney Today

It’s bad enough having a debt hanging around your neck but when a debt collector continually harasses you illegally or doesn’t respond to requests to verify a debt, it can be frustrating and intimidating. The FDCPA allows you to file a lawsuit within a year of a breach of the Act.

It is advisable to talk to an FDCPA attorney before filing your lawsuit. Use the Free Case Evaluation form below to be connected with a consumer law attorney who will help you with your case.

Additional Resources

*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 compensation.

Where to Report an FDCPA Violation by Medicredit*

The family is gathered around the dinner table for a laid back meal. Things suddenly turn more stressful when one of your parents informs you that a debt collection agency contacted the home line in regards to an outstanding debt you owe. The anxiety you feel because of the embarrassment of owing money on a credit card or a personal loan account spills over into your professional life. You start missing workdays and your performance diminishes significantly.

What can you do to stop the harassment conducted by a third party debt collector like Medicredit?

The answer is to invoke the legal powers granted to consumers by a historic consumer protection law. Enacted on September 20, 1977 by the United States Congress, the Fair Debt Collection Practices Act (FDCPA) prohibits dozens of previously acceptable debt collection practices. For example, the FDCPA outlaws the once common practice of implementing deceptive debt collection techniques, such as impersonating the IRS and law enforcement officials. If you have been harassed by Medicredit, you should speak with a licensed consumer protection lawyer to determine the best course of legal action.

The FDCPA Encourages Reporting Violations

Congress wrote legal language into the FDCPA that extends well beyond listing illegal debt collection practices. The federal consumer protection law also encourages consumers to report the illegal actions committed by bill collectors. One powerful government agency you should contact if your state has a law similar to the FDCPA is your state’s Attorney General Office. Your Attorney General will thoroughly review your complaint and if enough similar complaints are received, the Attorney General Office might take legal action against Medicredit. Legal action can include fines or threats to shut the third party debt collector down.

Report FDCPA Violations to the Leading Consumer Advocacy Organization

If you are like many consumers, you may have at some point referenced the website operated by the Better Business Bureau (BBB) to perform research. The BBB presents a detailed analysis of every registered business in the United States. By reporting Medicredit to the BBB, you create a black mark against the debt collection agency. A large number of complaints filed against Medicredit might prompt original creditors like Visa and Wells Fargo to take their debt collection efforts elsewhere.

Where to Report an FDCPA Violation by Medicredit*

File a Claim against Medicredit

Your FDCPA attorney will thoroughly review your case to determine whether you have enough evidence to file a claim against Medicredit. You have the option to seek statutory damages, which is a one-time penalty for every FDCPA violation committed by the third party debt collector. Your FDCPA attorney might also ask the court to make Medicredit handle all of your legal expenses. In addition to awarding money, the judge presiding over your FDCPA case might approve an order for injunctive relief. Such an order can include language demanding a bill collector stop communicating with you in any form. Filing a claim against Medicredit will require you to present compelling evidence. In the case of a relative being contacted by the debt collection agency, you can have the relative testify during the civil court hearing.

Schedule a free initial consultation with an FDCPA attorney to report the illegal debt collection practices used by Medicredit.

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 Medicredit or any other third-party collection agency, you may not be entitled to any compensation.

What to Do If Medicredit Is Threatening Legal Action

It started with several letters from an original creditor such as American Express. The letters demanded full payment of an outstanding balance. You ignored the letters from the credit card company, as well as the letters that followed from a debt collection agency like Medicredit.

Then, harassing phone calls received at work and at home made you concerned about your financial status. Still, you did not respond to the intimidating phone calls, hoping the harassment would stop.

After another hiatus from communication, the third party debt collector began to threaten you over the phone. The threats ranged from promising to inform the IRS to threatening legal action. According to a groundbreaking consumer protection law, bill collectors are not legally allowed to harass and intimidate consumers.

Enacted by the United States Congress in 1977, the Fair Debt Collection Act (FDCPA) prohibits the use of abusive language in attempts to collect delinquent consumer debts. The FDCPA also contains a section giving consumers the right to seek monetary damages for one or more violations of the federal consumer protection law.

Medicredit is Prohibited from Threatening Legal Action

After the passage of the FDCPA, most bill collectors toned down the type of threats that were previously considered legal by federal consumer protection law. However, many debt collection agencies began threatening legal action in the form of filing lawsuits against consumers that fell behind on paying off credit card and personal loan balances.

Threatening legal action takes several forms, from written threats sent by snail mail to threats made over the phone either on a voicemail system or during one-on-one interactions. Regardless of the type of threat to take legal action, the FDCPA clearly forbids third party debt collectors from issuing the threats. If Medicredit is threatening you with legal action, you should be proactive and contact a licensed FDCPA attorney.

What to Do If Medicredit Is Threatening Legal Action

How to Make the Threats to Take Legal Action Stop

By simply informing Medicredit that you have hired a FDCPA lawyer, the bill collector might back down and refrain from making any more threats to take legal action. In most cases, your FDCPA attorney will have to devise a legal strategy that convinces Medicredit that you are serious about protecting your FDCPA rights.

Your FDCPA attorney will carefully investigate whether Medicredit violated one of more provisions of the FDCPA. If you do not have a strong enough case to file a claim against Medicredit, your lawyer will analyze other options to get the debt collection agency off your back.

One of the most effective legal strategies involves presenting Medicredit with a debt settlement offer. You FDCPA attorney will meet with you to decide how much of the total amount owed to the third party debt collector you can afford to pay.

Then, your attorney will craft a debt settlement letter that proposes the terms of the settlement, including the proposed amount you can afford to pay and how much per month you will send the third party debt collector. Take the lead in the fight to stop the threats to take legal action. Complete the Free Case Evaluation today with an experienced FDCPA lawyer.

*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 Medicredit or any other third-party collection agency, you may not be entitled to any compensation.

Additional Resources

What To Do If Medicredit Sues You*

Medicredit is a collection agency that works closely with healthcare companies. If you have an outstanding medical debt, they might contact you. If Medicredit files a lawsuit against you for a past-due debt, you should respond to their allegations.

You could get help from an FDCPA attorney throughout this process. You will need to carefully read the lawsuit and see when the deadline to respond is, so you don’t wait too long.

If you don’t respond to the lawsuit filed by Medicredit, the court will assume that the allegations are true and will award the collection agency a judgment against you.

How To Respond To A Lawsuit From Medicredit

If a past-due medical debt has caused Medicredit to summons you to court, you don’t have to assume their information is correct. Ask them for documentation to support their claim, and you need to gather evidence for your defense.

If you think that you paid the debt in full, gather up proof of payment and supporting documentation to show the court. If you are willing to acknowledge that you do owe the debt, you should respond to Medicredit and ask them to negotiate a settlement agreement with you.

You can often settle for pennies on the dollar to get the issue resolved.

What To Do If Medicredit Sues You*

Damages You Could Receive From Medicredit

If Medicredit’s debt collection practices have led to harassment and losses for you, you can recover compensation from them for their FDCPA violations. Several different losses might result from the legal violations. Here are some damages that you might be able to claim against Medicredit:

  • Physical distress – The harassment from a debt collector, such as Medicredit, could lead to physical distress. Depending on your personality and health, you might incur stress-induced heart problems, problems with blood pressure, muscle pains and aches, rashes or skin lesions, migraines, and tension headaches.
  • Emotional distress – You could suffer emotionally and mentally from the harassment that you experience from Medicredit. Your relationships could suffer. You might have mental anguish, have sleep disturbances, or suffer from depression, anxiety, and panic attacks.
  • Lost wages – Sometimes the collection agency’s harassment gets out of control and they call you at work. If you suffer loss of productivity, work disturbances, or missed work and these things lead to lost wages, you can recover compensation to cover those lost paychecks.
  • Recovery of wage garnishment – If Medicredit’s FDCPA violation caused garnishment of your wages, the illegally garnished wages can be recovered by the court.
  • Statutory damages – The court can award you $1,000 from Medicredit if you can prove the FDCPA was violated, if you didn’t suffer physical or emotional distress.
  • Attorneys’ fees – When there is proof of an FDCPA violation, the court could order Medicredit to pay attorney’s fees and court costs.

You can also receive injunctive relief. Besides being awarded monetary damages, the court can order Medicredit to stop calling your home, employer, friends, and anyone else in attempts to collect your debt. Medicredit could then no longer send you any written communication at that point either.

Talk To An FDCPA Attorney Today

If Medicredit is threatening to sue you over a past-due debt, you should schedule a consultation with an FDCPA lawyer in your area to determine the best way to handle your case with the collection agency.

Additional Resources

*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 receive any compensation.

Can Medicredit Call You at Work?

The gang at work is hovering around your cubicle relishing a story you’re telling about an exciting weekend camping trip. Suddenly, the phone rings and you immediately answer it in anticipation of a phone call from a colleague on a business trip.

The call is from a debt collection agency.

If Medicredit calls you at the office or in the field, you can request the third party debt collector stop calling you on the job. Although Medicredit is not breaking a law by calling you, an important consumer protection law has established limits to bill collector phone calls at work, as well as defined a provision called “reason to know.”

Under the Fair Debt Collection Practices Act (FDCPA), a debt collection agency is not permitted to contact you at work if the third party debt collector has “reason to know” your company prohibits bill collector phone calls at work.

You initiate the “reason to know” provision by telling Medicredit to stop calling you at work because your employer forbids bill collector phone calls.

Effective Methods to Stop Debt Collection Agency Phone Calls

If dealing with a debt collection agency is like playing poker, then you have several “outs” when it comes to handling the phone calls made by Medicredit to your place of employment. The FDCPA allows you to send a formal written request sent through certified mail.

You can negotiate a settlement with a third party debt collector that reduces the amount of money you owe on a delinquent consumer debt. Each state has set a statute of limitations for the collection of consumer debts.

The sands of time might have run out on Medicredit and hence, end the phone calls made to you at work.

Working with a licensed FDCPA lawyer should be enough to get a bill collector’s attention. Debt collection agencies depend on consumer ignorance when it comes to the FDCPA.

By hiring an experienced lawyer, you deliver the message to Medicredit that you want the third party debt collector to back off and stop calling you at work. If you attorney’s clear message to Medicredit does not resonate with the bill collector, the next step of the process involves filing a civil lawsuit to seek monetary damages for one or more violations of the FDCPA.

Can Medicredit Call You at Work?*

Making Medicredit Pay for FDCPA Violations

The FDCPA has established consumer protections against unethical debt collection practices. If a third party debt collector violates one or more provisions of the FDCPA, you have the right to seek monetary damages for physical and emotional distress.

The FDCPA also grants consumers the right to recover lost wages and any income garnished to pay off an outstanding debt. Statutory damages are capped at $1,000 per lawsuit. You also can recover attorney fees, which is a financial safety net you benefit from during the litigation process.

In addition to the money a civil court awards you for FDCPA violations, you can also seek injunctive relief. This type of legal relief ensures a debt collection agency never contacts you at work again.

When a third party debt collector crosses the legal line by calling you at work after you asked the bill collector to stop making phone calls, the stakes are too high not to seek the legal consultation of a proven consume protection attorney.

Speak with a FDCPA lawyer today to get the relief you deserve from the relentless tactics implemented by a debt collection agency.

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 Medicredit or any other third-party collection agency, you may not be entitled to any compensation.

How Many Times Can Medicredit Call You?

It starts with a letter from Medicredit asking you to pay off an outstanding credit card or personal loan debt. You toss the letter into the trash and consider the problem solved.

However, because Medicredit paid pennies on the dollar to buy the debt from the original creditor, the debt collection agency is highly motivated to pursue every strategy in attempts to collect on the debt in question.

Frequent phone calls throughout the day mean the third party debt collection agency is serious about closing the credit card or personal loan account successfully.

How many times can Medicredit call you? The answer is as many times as the bill collector wants, if it follows the legal provisions written into an important consumer protection law.

You have the right to request the phone calls to stop, but there is not a federal law that limits the number of phone calls a debt collection agency can place to your home and/or cell phone number.

You might be able to stop the phone calls from Medicredit when the third party debt collector crosses the legal line.

How to Get Medicredit to Stop Calling You

By working with a licensed consumer protection lawyer, you ensure you receive all the rights granted by the Fair Debt Collection Practices Act (FDCPA) of 1977.

You can ignore bill collector phone calls or hang up on debt collection agencies, but the calls will keep on coming until you experience one or more violations of the FDCPA.

You should record every phone call made by Medicredit to document harassment.

The FDCPA prohibits harassment in the form of abusive language and threats issued by a third party debt collector.

A bill collector such as Medicredit is also not allowed to implement deceptive debt collection techniques in pursuit of outstanding consumer debts.

Deception can involve impersonating a law enforcement agency or contacting friends and/or family members to coerce you into paying off a delinquent credit card or personal loan account.

In addition, the FDCPA grants you the right to send a cease and desist letter to Medicredit that stops all forms of communication.

You also might be able to invoke the statue of limitations for debt collections that your state has defined.

How Many Times Can Medicredit Call You?*

Are You Entitled to Damages Because of FDCPA Violations?

What happens when a bill collector violates one or more provisions of the FDCPA? The answer depends on whether you hire an experienced consumer protection attorney.

Your lawyer will uncover FDCPA violations, and then take legal action by filing a civil lawsuit.

The civil lawsuit filed by your lawyer can include language demanding compensation for a wide variety of reasons, which include physical, emotional, and and/or financial distress.

As the most common type of distress caused by a debt collection agency, physical problems can cover a wide variety of ailments.

You might experience heart issues triggered by immense stress or suffer from an ulcer because of non stop worrying about your financial predicament.

Whatever the reason for physical duress, your FDCPA lawyer must present evidence in court that verifies your claim.

Proof in the form of documentation and testimony from medical experts is often enough to have a court award you monetary damages for physical distress.

Contact a consumer protection attorney today to learn how the landmark FDCPA protects you against repeated harassing phone calls made by a third party debt collector.

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 Medicredit or any other third-party collection agency, you may not be entitled to any compensation.

Debt Settlement Letter to Medicredit*

Having a debt collection agency hound you for payment on an outstanding credit card or personal loan account can cause considerable anxiety. The stress caused by deciding on the best course of action can lead to one or more poor decisions that include sending a debt settlement letter to Medicredit.

Right after hearing from Medicredit for the first time, the legal clock begins to tick on your outstanding debt case. The quicker you seek legal representation, the more likely a third party debt collector will accept your debt settlement terms.

Bill collectors purchase delinquent debts for pennies on the dollar. However, most debt collection agencies come after consumers for the total balance owned, plus costly late fees and interest charges. The primary goal of any debt settlement compromise involves paying less than what you owe.

By working with a licensed consumer protection lawyer, you have a much better chance of getting Medicredit to accept most, if not all of your debt settlement terms.

Why Speaking with a Lawyer Makes Sense

Hiring an experienced consumer protection lawyer makes sense for several reasons. First, your attorney will possess the negotiating skills to help you receive the lowest possible debt settlement. Second, you lawyer knows exactly when to send a debt settlement letter to Medicredit.

Timing is crucial in helping you get what you want out of a compromise worked out with a bill collector. Finally, your lawyer should have considerable experience litigating cases covered by the Fair Debt Collection Practices Act (FDCPA)

Enacted by the United States Congress in 1977, the FDCPA requires debt collection agencies to verify consumer debts within 30 days of the initial contact. The FDCPA prohibits third party debt collectors such as Medicredit from harassing friends and family members in regards to the collection of an alleged delinquent debt.

Harassment comes in the form of issuing threats and/or using abusive language. Under the FDCPA, bill collectors are not allowed to make constant attempts to collect delinquent debts from consumers.

Debt Settlement Letter to Medicredit*

Example of a Debt Settlement Letter for Medicredit

Highly rated consumer protection attorneys draft persuasive debt settlement letters. Just as important, your FDCPA attorney will know when to send the letter, preferably after a bill collector makes the first offer.

Here is an example of a debt settlement letter:

  • Date
  • Name of debt collection agency
  • Contact information

Re: name of account and account number

To whom it may concern:

Medicredit recently sent me a letter asking that I pay $5,892 to take care of an outstanding personal loan taken out with US Bank. I do not have the money to pay off the entire amount of the loan, which means I want to settle the account for 50% of what I owe.

If your debt collection agency accepts my proposal to pay half of the outstanding personal loan balance, I can send you cashiers or personal check within just a few days.

Sincerely,

Your name

Date

What You Can Do Next

Your lawyer will keep the debt settlement letter short and on point to ensure Medicredit clearly understands the terms of your debt payment compromise. As you see, the sample letter does not contain any emotionally charged language, such as questioning the truthfulness of the third party debt collector.

Contact an FDCPA attorney today to send Medicredit a debt settlement letter that allows you to pay off a delinquent debt in a timely manner.

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 Medicredit or any other third-party collection agency, you may not be entitled to any compensation.

Sample Dispute Letter to Medicredit*

Before September 20, 1977, consumers had few legal strategies available to defend against the aggressive techniques implemented by debt collection agencies.

Enacted by the United States Congress, the Fair Debt Collection Practices Act (FDCPA) turned the legal tables on unethical third party debt collectors by adding several consumer protection provisions to standing United States law.

One of the provisions allows you to dispute a debt collection claim made by a bill collectors such as Medicredit. Under the FDCPA, you have 30 days after receiving a notice from Medicredit to dispute the alleged outstanding credit card or personal loan account.

The dispute letter that you send a third party debt collector includes several types of information, with the most important information requesting Medicredit demonstrate proof the debt is valid.

Work with a FDCPA Lawyer to Draft Your Dispute Letter

Granting the consumers the right to dispute a delinquent debt is just one protection offered by the ground breaking FDCPA. Under the federal law, debt collection agencies like Medicredit must present identification information for the caller and the company the caller represents.

The FDCPA also forbids third party debt collectors from making threats or using abusive language to intimidate consumers into paying off credit card and personal loan accounts. Bill collectors must also abide by a FDCPA provision that prevents phone calls made to consumers between 9pm and 8am.

The dispute provision of the FDCPA is an especially valuable tool for consumers to use against debt collection agencies. However, you should work with a licensed consumer protection lawyer to ensure the letter you send to Medicredit contains clear legal language that requests the third party debt collector show evidence the debt in question is valid.

Some unscrupulous debt collection agencies rely mostly on aggressive tactics in attempts to collect consumer debts that do not exist. Your FDCPA attorney will draft a persuasive dispute letter that does not include emotionally charged language that further motivates a bill collector to come after you.

Sample Dispute Letter to Medicredit*

Actual Sample Letter for Medicredit

Although there is not one template used to craft effective consumer debt dispute letters, you can expect your lawyer to write a letter that contains the following legal language.

To whom it may concern,

Your agency contacted me on November 18, 2018 to discuss an alleged outstanding personal loan. After consulting with my attorney, we both agree the personal loan you attribute to me is actually a debt owed by someone else. Therefore, I am sending this letter to dispute the validity of the debt, as well as your claim that I must pay your debt collection agency to settle this legal matter.,

I request you respond to this dispute letter by sending me proof of the alleged debt, including the amount owed and the complete contact information for the original creditor. In addition, I want you to present evidence that I am responsible for the debt in question, as well as documentation that proves you have a license to collect consumer debts in the state where I reside.

By complying with the time limit mandated by the Fair Debt Collection Practices Act, you must stop contacting me in any form until your company can prove I owe the alleged debt. Any form of contact in violation of the FDCPA will result in legal action initiated by my attorney.

Sincerely,

Your Name

Date

Speak with an experienced consumer protection lawyer to learn more about the rights granted to you by the landmark federal law called the FDCPA.

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 Medicredit or any other third-party collection agency, you may not be entitled to any compensation.

Statute of Limitations Expired for Medicredit*

Did you know that a debt collection agency must follow state law when it comes to the statute of limitations for attempting to collect an outstanding credit card and personal loan balance? After the statute of limitations has expired on a consumer debt, a third party debt collector can still try to get you to pay by requesting money, but the bill collector can no longer file a lawsuit to garnishes wages that eventually resolves the delinquent debt.

It is not just about the money owed on a credit card or personal loan account. Many third party debt collectors continue to report negative consumer information about outstanding debts to each of the three major credit reporting agencies.

Under the Fair Debt Collection Practices Act (FDCPA), if the statute of limitations has run out on a consumer debt, debt collection agencies such as Medicredit can no longer report the delinquent credit card and personal loan accounts to Equifax, Experian, and/or Trans Union.

A Lawyer Should Draft a Statute of Limitations Letter

Passed by the United States Congress in September of 1977, the FDCPA grants consumers several protections against aggressive third party debt collectors. A debt collection agency like Medicredit cannot implement deceptive techniques in an attempt to get you to pay off an outstanding debt. An example of deception involves impersonating a government or a law enforcement agency.

The FDCPA also allows each state to establish time limits for the collection of delinquent consumer debts. By sending a notice to Medicredit that the statute of limitations has expired in your state, Medicredit can no longer file a lawsuit against you or report your credit history to a credit-reporting agency.

A licensed consumer protection letter should write the notice to ensure you cover all the legal bases. Your notice can also include language that a third party debt collector should stop communicating with you. A statute of limitations letter couple with a cease and desist request should be a letter written by an experienced FDCPA lawyer.

Statute of Limitations Expired for Medicredit*

What Does a Sample Notice Look Like?

Every state defines the statute of limitations for attempting to collect outstanding credit card and personal loan balances. However, states do not explain how to write a legally binding notice.

You lawyer will probably follow a template like this:

To Whom It May Concern:

This letter is in response to your letter dated October 12, 2018 in regards to the above-referenced debt collection account number.

I have spoken with my state Attorney General’s office and confirmed the statute of limitations on this type of debt has expired. Therefore, if you choose to pursue this matter in court, I will be forced to show proof that the statute of limitations has expired.

Let this letter serve as notification that I do not wish to be contacted about this debt any further except to be notified that your agency will stop contacting me in any form. Any other communication regarding this debt will be taken as a violation of the Fair Debt Collection Practices Act.

Sincerely,

Your Name

Speak with an experienced consumer protection lawyer today to ensure you draft a statute of limitations notice that gets Medicredit off your back.

*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 Medicredit or any other third-party collection agency, you may not be entitled to any compensation.

Additional Resources

Phone Script for When Medicredit Calls*

They say bad news travels fast and such is the case when a third party debt collector like Medicredit contacts you by phone. When you fall into debt, the emotional roller coaster ride never seems to end.

Fear and anxiety can overtake your life, as you try to find a way to make the phone calls from Medicredit stop. Fortunately, a federal law enacted in 1977 leveled the playing field for consumers that have to deal with debt collection agency phone calls.

Enact by the United States Congress on September 20, 1977, the Fair Debt Collection Practices Act (FDCPA) mandates that debt collectors must follow several guidelines in attempts to collect outstanding credit accounts and personal loans.

A third party debt collector cannot use abusive language or threaten you in any way. Federal law prohibits Medicredit from deceiving you into paying money you might not even owe. The FDCPA also clearly protects consumers by allowing them to stop all forms of communication from debt collectors, including phone calls.

What Information Should You Share?

A representative from Medicredit will use a written script during a phone conversation with you. The highly trained representative knows what to say and when to say it. Without the guidance of a licensed FDCPA lawyer, you can immediately lose leverage by offering information you do not have to share.

A consumer protection lawyer will ensure Medicredit does not overstep its legal responsibilities by harassing you at work or calling you at home late at night or early in the morning. Your lawyer will draft a script for you to use that covers several phone call scenarios with a representative from Medicredit.

Phone Script for When Medicredit Calls*

What to Say to a Medicredit Representative

An experienced consumer protection lawyer should recommend you tape every phone conversation with a Medicredit representative. By recording phone conversations, you save evidence of any illegal behavior exhibited by Medicredit.

Make sure to let a Medicredit representative know that you are taping the phone call, as well as request information that confirms the existence of a delinquent debt.

You do not have to answer any of a debt collector’s questions. In fact, you have the legal right to ask Medicredit to stop contacting by mail and phone. If the phone calls continue after you ask for the calls to stop, your lawyer will draft a cease and desist letter.

By sending the letter via certified mail, you have proof Medicredit received the cease and desist request. If you decide to discuss the outstanding debt with a Medicredit representative, you should never divulge personal financial information like the name of your bank, as well as how often you receive a paycheck and how much money you bring home after taxes.

Every Medicredit representative that calls you has received thorough training that develops the persuasive communications skills required to manipulate consumers into doing things they do not want to do.

Speak with a licensed FDCPA lawyer to learn about all the legal rights granted to consumers by state and federal debt collection laws.

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 Medicredit or any other third-party collection agency, you may not be entitled to any compensation.

Notice To Stop: Medicredit Contact Sample Letter*

The calls come in during all hours of the day, even late at night and early in the morning before the sun has peaked over the eastern horizon. A debt collector is harassing you.

Fortunately, The United States Congress enacted the Fair Debt Collection Practices Act (FDCPA) to prevent third party debt collectors from harassing consumers and making threats to follow through with debt collection efforts.

The FDCPA also prohibits debt collectors from using deceptive practices to collect outstanding credit accounts. As one of the cornerstones of the landmark consumer protection law, consumers have the legal right to draft and send cease and desist letters requesting debt collectors stop contacting them.

If you have one or more delinquent medical bills and Medicredit contacts you by phone to collect on the bills, you have the legal right to send a cease and desist letter to request that Medicredit refrain from communicating with you in any way.

Crafting a cease and desist letter requires the professional expertise of a licensed FDCPA lawyer.

Writing and Sending a Cease and Desist Letter

A FDCPA lawyer knows exactly how to word a cease and desist letter to ensure a third party collector not only understands it must stop contacting you, but also understands the legal ramifications of ignoring the cease the desist letter.

Consumers that draft cease and desist letters tend to allow emotions to get in the way of writing effective legal copy. Your lawyer will write a cease and desist letter that avoids making personal attacks and instead, focuses on the legal issues at hand.

After writing an effective cease and desist letter, your lawyer should send the letter through certified mail. By sending a certified cease and desist letter, you ensure the letter reaches the Medicredit in a timely manner.

Medicredit must sign a form acknowledging receipt of the cease and desist letter, which confirms your intent on ending all forms of communication with the third party debt collector.

Notice To Stop: Medicredit Contact Sample Letter**

What Your FDCPA Lawyer Will Include in a Cease and Desist Letter

A FDCPA cease and desist letter should contain two clearly written paragraphs. The first paragraph describes how the FDCPA allows for the sending of a cease and desist letter and why third party debt collectors must comply with the consumer request to end all forms of communication.

The second paragraph discusses the ramifications of not complying with the cease and desist order, which include the payment of damages to the consumer that sent the letter.

Section 15 U.S.C. 1692c(c) of the FDCPA specifies the right of consumers to file lawsuits that seek damages for FDCPA violations, including the ignoring of a cease and desist letter.

Your FDCPA lawyer should also type the date at the top of the cease and desist letter to establish a time stamp for when the letter was sent. The date at the top of the cease and desist letter provides legal protection in case your FDCPA lawyer decides to take legal action against Medicredit.

Your personal information follows the date, with a standard greeting initiating the request for Medicredit to stop making contact with you.

Speak with an experienced FDCPA lawyer today to make abusive phone calls and threatening letters mailed by Medicredit go way.

Additional Resources

*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.

How Should I Start a Claim against Medicredit?

Debtors who are in the midst of complicated debt collection proceedings may find themselves handling calls from multiple third-party consumer debt collection agencies. These people are not only persistent but can also be unprofessional to the point of being harassing.

If one of these companies happens to be Medicredit, it is important you, as the debtor, understand your rights and what you can do to protect yourself.

What Is the Fair Debt Collection Practices Act?

Under the Fair Debt Collections Practices Act (FDCPA), all debtors are protected against unfair consumer debt collection practices of third-party collectors like Medicredit. The FDCPA is part of a larger law, the Consumer Credit Protection Act, which was enacted in 1977.

The FDCPA provides strict rules and guidelines that debt collectors are required to follow when collecting on a debt. If a violation occurs, the debtor can seek compensation for damages sustained against Medicredit.

About Medicredit Corp

Medicredit Corp. is a collection agency and medical bill-paying platform located in Missouri. The company is a wholly-owned subsidiary of The Outsource Group. It operates out of three Missouri locations in Columbia, Earth City and Saint Louis. Medicredit claims that it averages approximately 2.4 million contacts annually and simply contacts debtors about debts rather than purchase these debts from clients, doctors or hospitals.

However, over the past three years, the Better Business Bureau has received around 260 complaints about Medicredit and its debt collection practices.

How Should I Start a Claim against Medicredit?*

Determining If a Claim Exists

The FDCPA prevents debt collectors from committing certain actions that are considered unprofessional and unethical. Examples of FDCPA violations include the following:

  • If Medicredit has called you at “odd hours,” which normally means before 8 a.m. or after 9 p.m.;
  • If Medicredit has used threatening or violent language when communicating with the debtor or other people connected to the debtor;
  • If Medicredit has threatened to file a law suit when they have no intention of pursuing one;
  • If Medicredit has threatened to garnish the debtor’s wages when they have no legal right or no intention of pursuing a garnishment;
  • If Medicredit has called the debtor’s place of business when he or she has specifically stated that no personal calls are to be made there;
  • If Medicredit has communicated with third parties connected to the debtor in an effort to seek information on the debt or disclosing information about the debtor; or
  • If you believe Medicredit has threatened to file criminal charges against the debtor while collecting on the debt.

If the debtor has experienced any or all of above behavior, he or she may have a valid FDCPA claim to be filed in state court against Medicredit.

What Damages Are Available?

Once it is determined that the debtor has a valid FDCPA claim against Medicredit, the next step is determining what types of damages are possible. In all FDCPA claims, the debtor is entitled to receive statutory damages in the amount of $1,000.

The debtor can also seek actual damages. These actual damages include compensation for physical distress or injury, including medical bills for treatment needed for related injuries the debtor has sustained because of the harassment.

In addition, actual damages can include emotional distress caused from the violations. If the debtor has also had to lose time at work because of this harassment, he or she can seek lost wages.

The important thing to know is, for actual damages to be awarded, the debtor must be successful in proving the violations occurred, proving that he or she was injured as a result and in showing a connection to the injury and the behavior exhibited by the debt collector.

In addition, attorney’s fees needed to pursue an FDCPA claim can be reimbursed with the final award given, as well as reimbursement for legal costs and fees.

Contact an Attorney Today

As soon as a debtor believes an FDCPA violation has occurred by Medicredit, he or she needs to contact an attorney for a consultation before pursuing a claim. An FDCPA attorney can advise the client on what steps need to be taken to prove a successful FDCPA case.

If the case is unsuccessful, the debtor risks the chance of having to pay for the legal fees for the debt collector in having to defend the claim. Medicredit will likely come to court with legal representation. It benefits the debtor a great deal to have a professional on his or her side, as well, to even the playing field.

Additional Resources

*DISCLAIMER: The content of this article is for information purposes only. It should not be used construed as legal advice. If you choose to file a claim against Medicredit or any other third-party collection agency, your claim may not be successful, and you may not be entitled to any compensation for your alleged injuries.

Is Medicredit Trying to Collect a Debt from You*

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.
Allegedly, Medicredit:

  • 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.