Make sure you’re not falling for a scam
Not all debt collection is aboveboard, which is why knowing your rights is critical. Medical debt collections fall under the same scope as all other collections. This means a medical debt collector can’t call you outside of normal hours, threaten you with jail time or force you to pay immediately.
There are also a few scams you should be aware of:
- You don’t recognize the account. If a collection agency contacts you about a procedure or doctor’s visit you don’t have any record of, it might be a scam. Request proof of the bill and check it against your own records. Even if it’s legit, if it’s been over seven years, the debt might be past the statute of limitations in your state.
- You can’t find any information on the collection agency. It’s not uncommon for medical offices to sell debt to a collection agency, but if you can’t find any solid details on the one contacting you, it could be a scam. It’s best to call your provider and ask where it sold your bills so you can confirm the debt collector is legit.
- You’re pushed to pay as soon as possible. Scam collection agencies typically want you to pay quickly — usually with threats of jail time or lawsuits. Take note of this and the name of the collection agency, and cease contact until you’re sure the collectors you’re dealing with are the real deal.
- You’re asked to pay via wire transfer. Legitimate debt collection agencies usually only accept payment via check, debit card or credit card — methods that can be easily traced. If you’re asked to pay through cash or wire transfer, you may be dealing with a scam collector.