If you have an old past-due medical bill, or if you are being sought for a bill that isn’t yours, you do have resources available to help you during this time. Congress passed the Fair Debt Collection Practices Act (FDCPA) in 1978 to stop third-party debt collectors from harassing consumers, their family, and friends.
If a collection agency violates the FDCPA, there are harsh penalties that can be faced. However, despite these laws and penalties, some collection agencies continue to violate the FDCPA. If you think you have been threatened by Medical Financial Solutions, you can file an FDCPA lawsuit against them for their illegal actions.
About Medical Financial Solutions
Medical Financial Solutions is a debt collection company in Kalamazoo, Michigan. The company, which employs 76 people, was founded in 2005 and is managed by Vivian Boyd, who serves as company vice-president.
Public records indicate that there have been FDCPA lawsuits filed against the company by people who felt harassed and threatened by the collection agency. Medical Financial Solutions collects past-due medical bills.
They have been accredited by the Better Business Bureau since 2010. They have 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. You should maintain documentation of all contact with Medical Financial Solutions if they are calling you about a debt.
What Constitutes Threats?
Using very precise and detailed wording, the FDCPA indicate what can be said and done by debt collectors. It also indicates what collection agencies cannot do. If you believe Medical Financial Solutions has violated the FDCPA, you should take heed.
If Medical Financial Solutions has done any of these things, then you can file an FDCPA lawsuit:
- Threatening or using violence or other criminal acts that damage a debtor’s reputation or cause physical harm
- Threaten to seize the debtor’s property
- Threaten to garnish wages
- Threaten arrest for past due debts
- Publishing a list of debtors and threatening members of the published list with legal action
Damages That You May Be Entitled To
When you file an FDCPA lawsuit against Medical Financial Solutions and you prove the case in a court of law, you are entitled to statutory damages of $1,000.
In some cases, the court will award actual damages, which means compensation for emotional and physical damages as well as compensation to cover garnished and/or lost wages. The court can also make them cover your legal expenses.
You can receive physical damages for ailments that are easily proven, such as stress headaches, blood pressure and heart problems, hives, rashes, stress, and anxiety. Your FDCPA lawyer can file a claim for your emotional and physical suffering because of the threats.
End The Threats Today
If you believe Medical Financial Solutions has been threatening you, they could face legal repercussions. Schedule a consultation with an FDCPA attorney who is licensed in your state. Fill out our Free Case Evaluation Form to get connected with an FDCPA lawyer who handles consumer law issues near you.
*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.