Collections & Charge-Offs

How an Explanation of Medical Benefits (EOMB) is a Tool to Repair Your Credit?

How an Explanation of Medical Benefits (EOMB) is a Tool to Repair Your Credit?

When it comes to finding and getting rid of old medical debt that you find on your credit, the process is similar, although somewhat different, that getting rid of old debt altogether. Medical billing companies and their collection agencies not only have to comply with the federal credit laws – the Fair Credit Reporting Act (FCRA), the Fair and

What is “Pay-Per-Delete” and Should you Consider it as a Viable Option?

What is “Pay-Per-Delete” and Should you Consider it as a Viable Option?

Introduction Let’s face it, money makes the world go ‘round.  That is no secret, and it is certainly true in the credit repair and collections industry, where money is literally the reason why such firms exist in the first place.  This translates into every aspect of the world of debt collection companies, even when you have negotiated a settlement with

Five Common Violations of the FDCPA

Five Common Violations of the FDCPA

Introduction   About a week ago, while sitting in my office working on tedious billing matters of my own, a former client called in a state of complete and utter panic, to the point that I could hardly make out her words in-between tears.  After some calming words, she proceeded to let me know that someone had just called her

Understanding the Different Types of Medical Collections

Understanding the Different Types of Medical Collections

Introduction   When it comes to collections accounts, one of the major categories that most people will encounter on their credit report is medical collections.  These can occur for all types of reasons, but generally happen when either a patient received treatment at a hospital without medical insurance or when medical insurance rejects a claim for payment or only

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