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Debt Recovery

Collection Agency: Body Shop & Car Collision Repair

body shop
Accounts receivable is a huge problem for Body Shops.
There are too many customers who do not make payment in full after the auto-repair work is completed.

Need a Collection Agency for your Automotive Workshop: Contact Us

Hiring an experienced collection agency can reduce the number of unpaid accounts from going into red after your in-house efforts have failed.

Collection Agencies are well-versed in debt collection laws. They minimize the chances of a lawsuit because FDCPA laws forbid them from using abusive, unfair, or deceptive practices when they collect debts. Yet their debt collectors know exactly to make a customer pay off if they have the resources to pay.

Auto body shops, like any other business, encounter various billing issues that can affect their revenue and profitability. Here are some of the common billing issues:

  1. Insurance Claims: Most of the services provided by auto body shops are often paid for by insurance companies. Navigating through the insurance claims process can be challenging, as it often involves complex paperwork, constant communication with insurance adjusters, and waiting for approvals.
  2. Delayed Payments: Sometimes, both insurance companies and customers can delay payments. Delays from insurance companies can be due to discrepancies in the cost estimates or the need for additional documentation. In other cases, customers might delay payments due to dissatisfaction with the service, misunderstanding of the charges, or financial constraints.
  3. Disputes Over Costs: There might be disputes over the costs of repairs, especially if the final invoice amount is significantly higher than the initial estimate. This could happen if additional damage is found during the repair process that wasn’t visible during the initial inspection.
  4. Parts and Labor Costs: The costs of parts and labor can vary widely, and customers might not understand why they’re being charged certain amounts. For example, the cost of OEM (Original Equipment Manufacturer) parts versus aftermarket parts can vary significantly. Similarly, labor rates can also vary depending on the complexity of the job and the expertise required.
  5. Accurate Estimates: Providing accurate estimates can be a challenge. If the initial estimate is too low, customers may be upset when the final bill is higher. On the other hand, if the initial estimate is too high, the shop might not get the job at all.
  6. Complexity of Services: The range of services offered by auto body shops can be quite extensive, from simple dent repairs to complex vehicle restorations. The complexity and variety of these services can make billing a challenge.
  7. Record-Keeping: Good record-keeping is essential to avoid billing issues. Poor documentation of the work performed, the parts used, and the hours worked can lead to billing errors and disputes.
  8. Lack of standardized pricing: Unlike many industries, auto body repair doesn’t always have standardized pricing, which can lead to discrepancies and confusion over billing.

To mitigate these issues, auto body shops should maintain clear and transparent communication with their customers, provide detailed estimates, use efficient billing and invoicing software, and offer different payment options. Training staff on customer service and accurate record-keeping is also essential.

A Collection Agency may arrange payment from a car owner in installments. From Collection Letters to Collection Calls, they can take legal action if needed. Car repair garages must keep the backup documentation ready if the debtor (car owner) disputes the amount of debt owed. You are supposed to provide that information Collection Agency within a matter of days.

Many collection agencies also do a “Litigious Debtor Scrub,” which indicates if the debtor (car owner) has a previous history of suing businesses. They often recommend not pursuing the case or suggesting an alternative approach to recover money.

If you need a cost-effective Collection Agency to help you recover past-due bills: Contact Us

Filed Under: Debt Recovery

Ohio Medical Debt Collection Agency

Medical debt is a massive issue in the United States and Ohio is no exception. With a population of over 11 million, Ohio ranks in the top ten most inhabited states in the U.S. Almost 35% percent of Ohio adults struggle to pay their medical bills.

While the Affordable Care Act (ACA) expanded access to health insurance, not everyone has coverage. Those without insurance often face much higher costs, leading to significant debt. The uninsured rate is at an all-time high as of 2018, and is one of only eight states to see this drastic climb. Almost 728,000 people in Ohio are no longer insured, which has resulted in massive medical debt.

Need a Collection Agency in Ohio? Contact Us

A collection agency can recover unpaid bills ethically using a diplomatic approach. They can offer fixed fee and contingency fee services as per your requirement. Your in-house staff will be able to focus on their core tasks rather than wasting time on old unpaid invoices.

Ohio Medical and Health Care Debt Collection Statistics

The Consumer Healthcare Experience State Survey gathered 1,000 Ohioans for more information on medical debt. Medical care costs have increased so much that some people choose not to seek medical help. 30% of those surveyed specifically put off going to the doctor. 24% skipped a recommended test or treatment and 35% struggled to pay off what medical bills they have acquired.

Ohio has been particularly hit hard by the opioid epidemic. Doctors have to grapple with the complexities of pain management, addiction, and mental health issues related to opioid use.

Even with a portion of the state population taking out loans or using credit cards to pay medical debt, a lot remains unpaid. These unsettled bills force medical professionals to seek out Ohio medical debt collection agencies to cover their necessary tools and staff costs.

Ohio Medical Debt Collection Agency Laws

In Ohio, there are a couple of laws concerning medical debt. Apart from the debt collection laws like FDCPA and HIPAA laws, a creditor (i.e. the healthcare professional or hospital) has a set amount of time they must abide by before they can pursue a debtor (i.e. the patient) for unpaid medical debt. This is known as the statute of limitations and it’s different for every state.

Ohio Revised Code section 2305.06 permits creditors to seek unpaid medical debt within 15 years from the default payment. This code is based on a written contract, so a medical bill can be seen under this stipulation. That means that a creditor has a window of 15 years to send their patients’ unpaid bills to an Ohio medical debt collection agency.

If a patient makes an oral agreement to repay their medical expenses, then the statute of limitations decreases significantly. In lieu of a written contract, the Ohio Revised Code section 2305.07 states that oral repayment agreements are valid for six years. A medical provider can bring their patient to action for not paying these medical bills anytime within that six-year time frame. 

How This is Effecting Medical Professionals in Ohio

The constant hunt for medical repayment has put doctors and hospitals in a tough spot. According to Injury Claim Coach, “Federal law requires Medicare-approved hospitals to provide emergency medical treatment to anyone who needs it, even when the person doesn’t have health insurance.” Instead, medical professionals have to offer repayment options or give them various ways to pay for their medical treatment.

Many medical professionals in the U.S. have suffered salary decreases from the unstable medical debt situation that is sweeping across the nation. This could be why more students seek specialty medical courses rather than primary care. Doctors in specialty fields have the leverage to earn more than primary care physicians. As a result, Ohio is in the midst of a vast primary care doctor shortage. According to the U.S. Department of Health and Human Services, “by 2025, Ohio is projected to be shy 1,200 primary care physicians.”

While Ohio scrambles to get more primary care doctors, the medical debt continues to pile on. Medical professionals (primary care doctors in particular) who are in need of debt relief may do well to seek help from a medical debt collection agency in Ohio.

Need a Medical Debt Collection Agency in Ohio? Contact us

References:
https://www.healthpolicynews.org/daily_review/ohio_statistics/
https://www.dispatch.com/news/20190904/nine-years-later-i-still-owe-19000—ohioans-struggle-with-surprise-medical-bills

Filed Under: Debt Recovery

Pennsylvania Medical Debt Collection Agency

When a patient doesn’t pay their medical bills, it directly impacts the healthcare provider’s accounts receivable. Not many people know this, but there are several laws when trying to recover your own unpaid medical bills. Your in-house staff can unknowingly violate these debt-collection laws, leading to legal complications and negatively impacting your medical practice’s reputation. Outsourcing your past-due bills to a collection agency will also allow your employees to focus on the core tasks for which they were hired.

Need a Medical Collection Agency? Contact us

  • Approximately 15% of Pennsylvanians have medical debt in collections.
  • The median medical debt in collections is around $600.
  • Pennsylvania’s Medical Assistance (Medicaid) offers health coverage to eligible low-income individuals and families.
  • Children’s Health Insurance Program (CHIP): Provides coverage for uninsured children and teens.
  • The Pennsylvania Fair Credit Extension Uniformity Act (FCEUA) closely mirrors the federal Fair Debt Collection Practices Act (FDCPA) but extends certain provisions to original creditors, not just third-party collectors.

Hiring a good collection agency with extensive experience recovering medical debts and knowledge of Pennsylvania debt collection laws can recover your unpaid invoices amicably and ethically, protecting your reputation during the process. When unpaid bills become too old (the exact timeframe can depend on the healthcare provider’s policies), they may be written off as bad debt. This reduces revenue and can negatively impact a healthcare provider’s financial health.

Today more and more doctors refer unpaid invoices to a reputable medical debt collection agency to keep their practice afloat. A collection agency will also ensure that your bill is prioritized among other bills that your patient could have defaulted on. 

We all understand the frustrations on both sides of the table. Doctors need their patients to pay in order to have adequate supplies and staffing, while today’s economy doesn’t support to needs of the average civilian. This intuition combined with the necessary laws concerning debt collection practices is what drives medical professionals to hire an experienced Collection Agency.

Read on to learn about the current Pennsylvania medical debt climate to help you determine if a collection agency is the right move for you.

Pennsylvania Medical and Health Care Debt Collection Statistics

As mentioned, one in three Pennsylvania patients cannot pay their medical bills. And all the insurance rate in this state is at a low 5.5%. Those who have chosen not to take on health insurance say it is because the monthly cost is still too high. These uninsured patients put doctors in a difficult place as they have to treat the ill without paying their staff or suppliers.

A survey conducted by the Pennsylvania Health Access Network and Altarum also determined:

  • 32% of Pennsylvanians have trouble paying medical bills
  • 10% of Pennsylvanians can barely afford to pay for necessities
  • 29% delay having medical procedures due to the cost

Pennsylvania Medical Debt Collection Agency Laws

Unlike some outstanding balances, medical bills cannot seize personal assets due to nonpayment. The statute of limitations under Pennsylvania law is four years. This means that medical professionals may contest a lawsuit to try to regain debt owed by their patients via a Pennsylvania media debt collection agency,

These agencies must adhere to the same laws as every other state. Agencies are forbidden to abuse or harass debtors, unlike previous years and must maintain strict moral and professional guidelines.

In the case of a lawsuit, the creditor (i.e. the medical professional) may be able to garnish wages from patients who have outstanding balances.

Pennsylvania Medical Collection Agency Process

Our first step in settling medical debt is to send a demand letter to the patient. This is sent via USPS in the form of a physical letter. Patients have 30 days to dispute the debt from that moment, though a response is appreciated within ten days.

In that time, we recommend the creditor seriously consider to out for Collection calls service or evaluate filing for a lawsuit before the statute of limitations expires. The expiration date does not mean that the creditor cannot still seek payment, but options are minimal and the likely hood of receiving a full payment is really low at that point and time.

Professional collection agencies maintain regular contact with patients and even offer skip tracing and bankruptcy screening services. If you’re still waiting for your patients to pay their medical expenses, it’s the agency’s job to give them options or to find out why payment has yet to be received.

Need a Medical Collection Agency in Illinois? Contact us

References:

https://www.inquirer.com/philly/health/health-cents/medical-bills-health-care-costs-survey-20181025.html

https://www.sapling.com/6884913/pennsylvania-law-medical-bill-collection

https://www.debt.com/medical-debt/collections/

https://www.pghfirm.com/blog/understanding-the-debt-collection-process-in-pennsylvania

http://bankruptcylawyerpa.com/blog/pennylvania-statute-of-limitations-on-debt/

Filed Under: Debt Recovery

Illinois Medical Debt Collection Agency

Illinois faces debt collection issues just like the rest of the country. Doctors provide medical treatment to patients without the confidence that they will be paid on time. Unfortunately, several accounts receivable must be turned over to medical debt collection agencies to minimize losses resulting from unpaid patient bills.

If you are a medical professional in Illinois who needs the help of a collection agency, you must ensure that the debt collectors adhere to Illinois state collection agency laws. We’ve also included vital statistics that can help you decide whether or not to move forward with a collection agency.

Need a Medical Collection Agency? Contact us

Here are some key medical debt statistics in Illinois:

  • Approximately 17% of Illinois residents have some form of medical debt.
  • Over 20% of Illinois households earning less than $35,000 annually struggle with unpaid medical bills.
  • Black and Hispanic communities are far more affected by medical debt, with rates nearly double those of white residents.
  • Medical bills are the leading cause of bankruptcy filings in the state, accounting for a significant portion of cases.
  • Cook County has one of the highest rates of medical debt in Illinois, with residents facing challenges in affording healthcare.
  • Hospital charity care programs in Illinois have seen an increase in applications, reflecting the growing burden of medical costs.
  • Illinois ranks 28th in the nation for the percentage of residents with medical debt in collections, indicating a moderate debt burden compared to other states.

Illinois is governed by both state laws and federal laws, primarily the Fair Debt Collection Practices Act (FDCPA). The FDCPA protects consumers from abusive, unfair, or deceptive practices by debt collectors.

Illinois has additional laws that supplement the federal law. For example, the Illinois Collection Agency Act regulates the conduct of collection agencies in the state. The act requires collection agencies to obtain a license and sets standards for their behavior.

For written contracts, the statute of limitations is 10 years from the date of the last activity. 

Illinois Medical Debt Collection Agency Laws

In recent years, the U.S. has narrowly defined individual Statute of Limitations for each state. The limitations act as a guideline for Illinois medical debt collection agencies. It negates unprofessional and unwarranted behavior that patients have received from companies in the past. This type of behavior includes harassing, abusing, and using unfair practices in order to get a patient to pay their medical debts. HIPAA compliance is mandatory for collection agencies serving medical debts.

This conduct negatively affected the medical professionals who sold their debt to the collection agency. Thanks to the Illinois medical debt collection agency laws, these actions are no longer prevalent today.

The Illinois medical debt collection agency laws also enforce these two acts:

  • Hospital Uninsured Patient Discount Act: This act includes 100% discounts for uninsured patients at certain income levels
  • The Fair Patient Billing Act: This law ensures that hospitals provide their patients with multiple payment opportunities with requirements to effectively promote these avenues to their patients to negate the rise of medical debt.

 Illinois Medical Collection Agency Process

Professional collection agencies take a friendly, diplomatic and obligatory approach to settle debts with patients. We want the process to be as smooth as possible and take pride in ensuring the relationships between patients and doctors remain intact.

The debt collection process includes maintaining regular contact with the patient and ensuring they know their payment options. Keeping detailed records of their payments and offering additional services such as skip-tracing, bankruptcy screening, and checking for change of address.

Need a Medical Collection Agency in Illinois? Contact us

 

References:
https://www.chicagobusiness.com/article/20170324/NEWS03/170329904/illinois-unpaid-medical-bills-reach-3-5-billion

www.needhelppayingbills.com/html/illinois_medical_debt_and_bill.html

http://www.illinoisattorneygeneral.gov/consumers/debtcollection.html

https://www.team-iha.org/finance/charity-care-financial-assistance/hospital-uninsured-patient-discount-act

Filed Under: Debt Recovery

Unpaid Bail Bond: Collection Agency to Recover Money

bail bond collection agency

Bail bond agents help their customers at the time when they need them the most, yet many customers do not fulfill their obligation to make payments on time.

Recovering money from such clients (debtors) is not easy. Debt collection laws prohibit even the creditors in most states from using threatening language, unlawful pressure tactics or making false statements, making the recovery process even harder.

A Bail Bond is a type of surety bond facilitated by a bail agent or Bail Bondsman who secures the release of a defendant from jail. The surety bond, acts as insurance that the accused will show up in court when ordered to do so. A bail bond company will usually accept a cosigner with a good credit score when enrolling for a payment plan.

If payments are delayed, a bail bond agent usually imposes a late fee that is added to the principal amount. However, if a debtor who has failed to make payments/installments on the previously agreed amount, he will find extremely hard to make further payments because the balance just went up due to the added interest. Chances that this person will become delinquent on his bills rise significantly after 60 days of non-payment.

It is extremely common for Bail Bond businesses to involve a Collection Agency which makes persistent efforts to recover money from the debtor. Involvement of a Debt Collection Agency also protects the relationship of Bail Bond agents with their customers and limit legal liabilities.

Need a Collection Agency for your Bail Bond Business?
Serving Nationwide. Contact us 

A cost-effective collection agency with extensive experience in recovering money from the customers of bail bond industry. Please make sure you have all the backup documentation ready if debt verification is requested by the debtor.

A bail bond collection agency will also ensure that all debt collection laws are followed, reducing the chances of a counter lawsuit from the debtor. They are often able to recover the balance in full or renegotiate a new payment plan with the debtor. To prevent delinquent accounts going permanently red, hiring a bail bond collection agency is the best bet.

Instead of relying on wishful thinking and wasting time, it is extremely important to forward the account quickly to a bail bond Collection Agency because the chances to recovering money from the debtor and the cosigner fall significantly as the time passes by.  These accounts are directly assigned for contingency collections due to the nature of intensity and diplomatic efforts required.

A professional Bail Bond collection agency will run several checks against the debtor, the most important one being the Skip Trace, which in most cases enables to find the latest address and phone number of the debtor if he is hiding.

Collection agencies are insured for any potential lawsuit that may come during the due course of recovering the debt. They may take the debtor to court if the amount is significant and may attempt to garnish wages or attempt to attach assets if the state law permits them to do so.

 

 

Filed Under: Debt Recovery

Assisted Living Community for Senior Care: Collection Agency

Assisted Living Community

Some of the nation’s largest senior living centers trust us with their accounts receivable. We consistently deliver strong recovery results, outstanding customer service, and protect their reputation throughout the collection process. Do check us out!

Senior Living Centers or the Assisted Living Facilities (ALF), are used by millions of senior citizens all over the United States. These facilities focus mainly on senior care, assisted living, independent living, nursing and memory care.

Unfortunately, the senior care centers also have to deal with accounts receivable.  Senior citizens are primarily responsible for paying their bills (sometimes through Medicaid or other insurance coverages). Cosigners can be their children or relatives who are legally accountable for charges the patient cannot pay themselves. Due to the friendly environment of these facilities, unpaid bills can be tough to collect internally. A hard-pressed approach can damage their reputation.

When patients often fall behind on payment obligations, their cosigners are contractually responsible for making the remaining payment. Assisted Living Facility has every legal right to attempt to recover that money. Accounts over 60-90 days past due are often forwarded to a professional debt collection agency.

Need a Debt Collection Agency?  References Available

Serving some of the Largest Senior Living communities 

Hire a collection agency for Assisted Living Centers: Contact us

A collection agency serving the senior care centers should have in-depth knowledge of current state and federal collection laws and HIPAA  privacy regulations. An experienced debtor collector of a collection agency understands the delicate nature of both parties (the Assisted Community Living facility and the Senior). Therefore recovery is achieved using a friendly and diplomatic approach.

Senior living communities include independent living, assisted living, retirement communities, nursing homes, hourly care, and hospice care centers. Aging Americans and those who have Alzheimer’s or physical disability rely on Senior living centers extensively. Assisted senior living centers’ accounts receivable staff in overseeing daily transactions, including accounts receivable/payable, general ledger, journal entries, insurance claim follow-up, insurance denial, bank reconciliations, and post payments to resident accounts.

To recover money from past due accounts, a collection agency will send debt collection letters followed by collection calls and continue until the bill is paid off. These agencies have access to far more sophisticated debt collection tools and services, which the in-house staff of a senior living center does not have.

Some bill recovery services are flat fee-based, and others are contingency-based. Due to the delicate nature of collections, almost all Assisted Living Community forward accounts to a third-party collection agency that can even take the debtor or the responsible party to court as the last step if required and approved by the center/creditor, provided the balance is significant.

Assisted living community centers are committed to serving every senior with the respect and dignity they deserve while providing comfort and fulfillment. Some senior care services are outsourced to facilitate inpatient and outpatient services, medication management, physical therapy, occupational therapy and speech therapy.

Summary of Collection Agency’s Services

 

Collection Letters Service
  • The upfront cost for 5 Collection Letters is about $15 per account.
  • Debtors pay directly to you, no other fees, and low-cost option.
  • Good for accounts less than 120 days past due.
Collection Calls Service
  • Contingency fee only. No upfront or other fees.
  • The agency gets paid a portion of the money they recover.  No recovery-No fees.
  • Best for accounts over 120 days past due. A debt collector calls the debtor many times.
  • If everything fails, a possible Legal Suit if recommended by the attorney.

Without proper accounts receivable strategy, these retirement housing centers, in-home senior care, companion care services and senior care centers like Brookdale senior living and Harmony Senior Sevices would find their accounts turning red and a reduced cash flow, which may impact their daily operations.

Filed Under: Debt Recovery

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