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Healthcare Financial Services

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Fact: Pursuant to the Fair Debt Collection Practices Act, it is unlawful for a collection agency to contact you if they know you are represented by an attorney.

Many Americans like you are being contacted by collection agencies who are trying to get payments on defaulted accounts they have acquired or been assigned. Even though you may owe a debt, you still have rights.

You should dispute the debt in writing if you feel as if the dollar amount the collection agency is requesting is inaccurate, if you feel the debt is not owed or if you feel the debt is fraudulent. You can send a letter to the collection agency within thirty days of first being notified of the collection. You should send this letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. There are many things collection agencies cannot do or say when contacting you. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you repeatedly;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt;
  • threaten to have you arrested or imprisoned.

    If any of these things occur, your best option is to consult with a consumer protection attorney.

  • 2 Comments

    1. Melanie Hairston on March 13, 2015 at 12:40 am

      I contacted Healthcare Financial Services to pay some medical bill at the end of 2014. I stated the amount and the bills that I was paying. I made it a point to say I am only authorizing you to charge me for ….(i repeated the bill and amounts of the bills that I was paying). I continued to check my credit report but nothing went away. After the new year with no changes I called to follow up. At which time I was informed that the money I paid was spread among several bills, including old bills from 2006 and 2007, which is not what I authorized. I was informed that a supervisor would have to correct it. I continued to check my credit report and the bills were gone. This week I called to pay medical bills that were more recent. Once again I stated the bills that I was authorizing them to charge and the amount. I called to follow up the next day to ensure that the payment was applied to the correct accounts. Today I get another letter from Healthcare Financial Services stating the debts that I owe, which includes the old bills that I’m not for sure are mine. I then began to research and found out that the payment made that I did not authorize restarted the clock for the debt collection. It was the same lady that applied the payment to the wrong bill. It was the same man that had to apply the payment to the correct account. I also found that this is an illegal practice. They are threatening to send my account to further collection. At this point, I have paid all the bills that I know are mine with the exception of one. That one bill I am applying for charity care due to the amount if the bill. Is it legal for Healthcare Financial Services to do this?

    2. Rick G. on August 6, 2015 at 9:09 pm

      Healthcare Financial Services has been paid by me. After I paid, Healthcare Financial Services reported me to the credit reporting agencies as having a delinquent debt owed.

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    Vullings Law Group, LLC d/b/a VullingsLaw is not responsible for the content of the consumer comments provided here.  Vullings Law neither supports nor provides any opinion as to the statements made herein.