If you have gotten behind on your monthly bills, or if you are falsely accused of owing a debt, you do have resources available to help you. The Fair Debt Collection Practices Act (FDCPA), which was enacted in 1978, has specific guidelines for debt collecting and sets stiff penalties for violators.
Despite this, not all debt collectors abide by the FDCPA. If you believe that Medical Financial Solutions has misrepresented themselves during the debt collection process, you may be able to successfully pursue an FDCPA claim against them and recover damages.
About Medical Financial Solutions
Medical Financial Solutions, founded in 2005, is a debt collection company in Kalamazoo, Michigan that collects delinquent medical bills. Vivian Boyd, who serves as company vice-president, manages the company and its 76 employees. Public records indicate that there have been FDCPA lawsuits filed against the company by people who believed that they had been harassed and threatened by the collection agency.
Medical Financial Solutions has been accredited by the Better Business Bureau since 2010, attaining an A+ rating. During the last 3 years they have had 11 complaints filed against them, and 4 complaints were closed in the last 12 months. All complaints involved collections and billing issues.
What Counts As Misrepresentation?
Anytime that a representative of Medical Financial Solutions contacts a consumer, they must identify themselves. This means that they must say who they are and that they are with Medical Financial Solutions. They cannot misrepresent the details of the debt, such as the total owed, the statute of limitations for collecting the debt, or the legal repercussions for collecting the debt in question.
They cannot falsely claim to be a police officer, an officer of the court, or claim to be with a government agency, such as the IRS. If Medical Financial Solutions has misrepresented themselves, you could be eligible to recover compensation for your damages.
![Did Medical Financial Solutions Misrepresent Themselves?*]()
Damages That You May Be Entitled To Receive
If your FDCPA claim against Medical Financial Solutions is successful, the court may award you statutory damages of $1,000. You may be able to recover actual damages, including physical and emotional damages.
You must have physical damages that are easily proven, such as rashes, stress-induced heart issues, and severe headaches. You may recover lost pay and garnished wages. The court may also order Medical Financial Solutions to cover the legal fees associated with the FDCPA claim against them.
End The Threats Today
If you think that Medical Financial Solutions misrepresented themselves while collecting a delinquent debt, they could face harsh legal penalties. You should consult with an FDCPA lawyer who represents clients who are victims of creditor harassment.
You have rights, and you can put a halt to the harassment from Medical Financial Solutions. Complete the Free Case Evaluation Form to get connected with an FDCPA attorney who handles consumer law matters in your area.
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 Medical Financial Solutions or any other third-party collection agency, you may not be entitled to compensation.