You or someone in your family has spent some time in the hospital or had to undergo extensive medical treatment. The fact that medical services were needed is bad enough, but the other sting is even with good insurance, the bill can add up to an exorbitant amount very quickly.
Your first concern is with the care and welfare of your family to get through the medical crisis. Paying off the bill does not even seem like it is possible. Your finances are already used every month to meet your obligations.
Often a person feels their only choice is to ignore the bill, at least initially. However, that plan is not sustainable. Even though it is a medical bill, the facility charging the bill needs to be able to operate. Therefore, they expect their money.
Receiving a Notice
Most likely your first contact with Accounts Receivable Services, LLC will be through the form of a letter. You may be confused as to why you are getting the letter from this company instead of the medical institution you were involved. Accounts Receivable Services, LLC is a debt collection service for hospitals, doctors and other treatment facilities. Many medical facilities find it bad public relations to be “the heavy” in collecting a debt. So, they may turn it over to this Minneapolis based firm.
Services Offered by Accounts Receivable Services
Their website boasts of four different services offered by their company. Be sure to be aware if you would qualify for a different one than the one offered to you.
- MedEligible Services – This service provides assistance to uninsured or underinsured patients by helping them apply for assistance with government or local programs available for assistance.
- Solution One – This service offers a collection of self-pay accounts, insurance claim follow-ups, worker’s compensation, and third-party follow-ups.
- MedCredit – With this service, they purchase the delinquent account and pursue collection practices.
- Reliance Recovery – This is full-service debt recovery of the delinquent account.
If they are focusing on one of the above services, but another service would be more appropriate, it may be difficult on your own to get that changed.
What Can Happen By Continuing to Ignore Them?
They won’t go away or just forget about it. At first, you receive a letter asking for payment or offering solutions for the resolution of the bill. The bill may be small and can be handled through a series of payments. But, often a medical bill will be 10’s of thousands of dollars or more. You don’t have that kind of money. It even seems hopeless to try to start paying on it.
Eventually, there will be a court date notice. If you don’t answer to that, the company will get automatic approval to collect through wage or bank garnishment.
What Should You Do?
As soon as you know you have a problem with debt repayment, contact Walker and Walker Law Offices, PLLC. They are a bankruptcy law firm in Minnesota with offices in Minneapolis, Brooklyn Park, St. Paul and Blaine. The word bankruptcy seems scary. Especially for someone like you who has always paid your debt. It doesn’t need to be a frightening situation. It will give you relief and peace that you are doing the right thing for your situation.
There are different types of bankruptcy filings, such as Chapter 7 and Chapter 13. Another special allowance in Minnesota law is the ability for us to recoup a garnishment if it was made within 90 days prior to filing. By allowing us to look at your situation, we can come up with a plan that will help you the best. Do this sooner rather than later to alleviate the stress and anxiety that will come with a medical debt collection.