Unforeseen expenses resulting from an injury or medical condition happen all the time. People who endure these expenses often can’t pay up front, therefore acquiring a significant amount of debt. Unfortunately, it’s easy to accumulate a great deal of medical debt in a short amount of time.
While you are recovering from your injuries or health condition, your healthcare provider only sees debt and sends collection agencies to seek you out for repayment. Medical debt collectors understand the laws surrounding debt collection and the rights you have as a consumer, but often violate them without a second thought.
Learn about what you can do if you are having problems with a medical debt collector today.
Recognize that You’re Not Alone
Millions of Americans experience medical bill debt each year. Debt collectors may single you out and make you feel as though you’re a criminal, but you are not the only one in that kind of situation.
It’s also common for debt collectors to contact people for medical debts that aren’t even theirs. In fact, a study conducted by the Public Interest Research Group (PIRG) found that most medical debt complaints were due to debt collector error. The most common cause of complaints was that debt collectors were attempting to collect a debt that did not belong to that consumer.
Some of the other common complaints include:
- Repeated debt collection calls
- Not being given enough information about debts owed
- Attempts to collect a debt that was already paid
These complaints often stem from violations on the debt collector’s part. Medical debt is overwhelming enough. Your focus should be on recovering, and debt collector harassment can make everything worse. If you have experienced any of the above or another form of bullying, you should know your options.
Understand Your Rights
The Fair Debt Collection Practices Act (FDCPA) affords you certain rights as a consumer and protects you from debt collection harassment. Even if you do have medical debt, there are specific practices debt collectors must follow when contacting you.
Some of the most common ways debt collectors violate the FDCPA include (but are not limited to):
- Using threatening or aggressive language when speaking to you
- Exaggerating the amount owed
- Failing to identify themselves
- Using an autodialing system to call you without your consent
- Calling you at work when you asked them not to
These are just a few of the hundreds of violations you can see from debt collectors. Creditors and collectors are well-versed in the rules of the FDCPA, yet choose to take advantage of you and violate them anyway.
Don’t let debt collection harassment take over your life. Call an experienced consumer law attorney right away. The Law Offices of Jibrael S. Hindi has prosecuted dozens of violators of the FDCPA and are eager to help you today. We can assist you in your case and help you win up to $1,000. Call our office at 1-844-JIBRAEL to learn more. Remember, we don’t get paid until you do.