MediCredit’s website is sparse. It announces that the company is a licensed debt collection agency and a wholly owned subsidiary of The Outsource Group. There is a wealth of information available about The Outsource Group. Their acquisition history is reminiscent of a game of Hungry, Hungry Hippo, in that the company has gobbled up smaller debt collection agencies over the years. In 2006, The Outsource Group purchased MCS Receivables Management and QCS. The following year, it bought up Specialized Receivables, Genesis Consultants, and Productivity Network Innovations Healthcare. In 2008, The Outsource Group subsumed J.J. MacIntyre Co. and Healthcare Resource Associates, while in 2009 it purchased Medstandard. In 2010, it added four more companies to the fold: Health Care Legal Services, Patient Financial Medical Services, Connecticut Credit, and ARM Solutions. In 2012, it acquired XAM/MAX
The Outsouce Group – and presumably Medicredit – has 13 operations centers in Alabama, California, Connecticut, Florida, Massachusetts, Missouri, New York, North Carolina, and Texas. As the name implies, Medicredit specializes in collecting debt related to healthcare.
As of April 2013, the Better Business Bureau had accorded MediCredit with a B- rating, partially based on having logged 52 closed MediCredit complaints within the previous three years, including 37 closed MediCredit complaints within the previous 12 months. In the first three months of 2013, there were 10 lawsuits filed in federal court alleging that Medicredit violated the Fair Debt Collection Practices Act.
Stop MediCredit Harassment
If you’ve been receiving harassing calls from MediCredit, you may not know what to do or where to turn. If that’s the case, you’re not alone. Here are a few tips to help you survive the experience.
- Don’t make promises you can’t keep. While it’s tempting to tell MediCredit anything so that they’ll stop harassing you, it’s important not to jump into an agreement. If, for example, you agree to a payment plan that you can’t afford, you’ll wind up in even more hot water. If you can’t pay the bill, you simply can’t pay it. If you can make payments, offer MediCredit what you can truly afford – then get the agreement in writing.
- Ask for substantiation. According to the Fair Debt Collection Practices Act, within five days of contacting you, MediCredit must send you information via the mail. The letter must outline your rights to dispute a debt. You have 30 days to dispute a debt if you think it’s not yours. Even if it is yours, that 30-day window can buy you the time you need to formulate a plan. So ask MediCredit for validation of the debt. They’re not allowed to contact you until they provide proof that you owe the money.
- Know your rights. Consumers often fall prey to abusive debt collection practices because they don’t understand their rights under the Fair Debt Collection Practices Act. Taking the time to understand your rights will empower you and prevent MediCredit from kicking you while you’re down.
MediCredit Contact Information
The Outsource Group
Three City Place Drive, Suite 690
St. Louis, MO 63141
Medicredit Telephone Number: 314-567-5246
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If you have been the victim of harassment or illegal or unfair debt collection practices, Lemberg & Associates will discuss your options with you and protect your rights. For more information, contact Lemberg & Associates today at .
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