• Skip to main content
  • Skip to primary sidebar

Nexa Collections

  • Home
  • Serving
    • Medical
    • Dental
    • Small Business
    • Large Business
    • Commercial Collections
    • Government
    • Utilities
    • Fitness Clubs
    • Schools
    • Senior Care Facility
  • Contact Us
    • About us
    • Cost

Oregon Medical & Healthcare Debt Collection Agency

Oregon has its own set of laws that govern debt collection practices in addition to federal laws like the HIPAA and Fair Debt Collection Practices Act (FDCPA). Debt collectors are required to be licensed in the state of Oregon. Debt collectors in Oregon must provide a written notice, including the amount of the debt, the name of the creditor, and an explanation that the consumer has 30 days to dispute the debt.

You can select between a fixed fee service or a contingency-only service.

If a creditor has successfully sued and obtained a judgment against a debtor, Oregon law limits how much of a debtor’s wages can be garnished. The limit is generally 25% of disposable earnings or the amount by which a debtor’s weekly income exceeds 40 times the minimum wage, whichever is less. Certain types of income are exempt from garnishment, like Social Security, retirement benefits, and public assistance.

Looking for a medical collection agency in Oregon: Contact Us

In Oregon, there is a statute of limitations on how long a creditor has to sue a debtor to collect a debt. The statute of limitations for written contracts (like credit card agreements) is six years; for oral contracts, it’s six years. This starts from the date of the last activity or payment.

The Current State of Medical Debt in Oregon

The last thing you want to be worried about during an unexpected illness or injury is the cost of your medical bills. For those with steady jobs and good health insurance, typically, this is not a major problem. However, all too often, people have to pay thousands of dollars, drowning them in debt.

This is a very common issue for patients, but it also affects Oregon health professionals. Their focus is to treat their patients as effectively as possible, but doctors are often put in a sticky spot if their patients are not up to date on their medical bills. This is an issue throughout the United States, but in Oregon, lawmakers are taking steps to ease the strain of medical debt on patients. This is how they’re making a change and what it means for medical professionals in Oregon.

What Are the Current Rules for Collecting Medical Debt in Oregon?

As of right now, federal law prohibits debt collectors from harassing people. This means they are not allowed to contact people before 8 AM or after 9 PM. However, this law was passed in 1977, and technology has opened up a whole new world of ways to contact people. Current federal laws are being discussed to update these rules to accommodate the new technological advances. With the discussion sparked by Washington D.C., some states are taking steps to address medical debt specifically.

Oregon has a bill being discussed that would cap the amount of interest that can be charged on medical debt and requires hospitals to screen patients and let them know if they are eligible for financial assistance and insurance. This bill also requires non-profit hospitals and affiliated clinics to provide care for free for families with incomes of up to 200% of the poverty level and charge a lower amount for families earning up to 400% of the poverty level. This assistance would open doors for lower-income families that would keep people from going into debt or filing for bankruptcy due to their medical bills.

How Can Oregon Medical Professionals and Hospitals Handle Medical Debt?

All of this is incredibly promising for residents of Oregon. However, medical professionals will still have to handle medical debt for their patients in a way that preserves the trust and respect their patients expect from doctors. There are a few different ways medical professionals can do this:

  1. You can discuss options for financial assistance and let your patients know what resources they might be eligible for to help with their debt.
  2. You can let them know that there are payment plan options that will help them pay down their debt in manageable increments.
  3. You can walk them through their bill so they understand all the charges.

By offering assistance to those who need it and being willing to discuss the charges in a way that your patient can understand, you’ll be able to address the issue of medical debt without costing you your rapport with your patients.

Filed Under: Debt Recovery

Primary Sidebar


accounts receivable

Need a Collection Agency?
Kindly fill this form.
We’ll get in touch with you

    Please prove you are human by selecting the plane.

    Recent Posts

    • Why Cybersecurity Matters for Collection Agencies
    • 11 Ways Dental Practices Can Recover Unpaid Bills (Without the Headache)
    • Credit Bureau Reporting Forbidden on Several Types of Debts
    • Effective Tactics for Regaining Company Assets from Departed Staff
    • Low-Cost, Patient-Friendly Billing for Small Dental Practices
    • Changing Medical Credit Reporting Laws: Urgently Hire a Collection Agency!
    • Disadvantages of Removing Medical Debts from Credit Reports
    • Collection Agency Closure Checklist: Legal, Financial, & Operational Steps

    Featured Posts

    • Debt Collection for Accounting Firms & CPA’s
    • So many Indian Origin CEOs in Silicon Valley – Why?
    • New Jersey Medical Debt Collection Agency
    Directory of collection agencies

    Note: Nexa is an information portal that helps businesses and medical practices to find a good collection agency at no cost to them. We are not a collection agency. We do not perform any collection activity, nor take payments, nor do any credit reporting. Leads shared with shortlisted agencies with Low Contingency Fee and High Recovery rates.

    Featured Agencies

    • Collection Agencies in New York | Debt Collection Laws
    • Merchants Credit Guide Co. – Debt Collection
    • American Credit Bureau Inc – Debt Collection

    Copyright © 2025 NEXACOLLECT.COM | All information on this website is for general information only and is not an experts advice. We do not own any responsibility for correctness or authenticity of the information, or any loss or injury resulting from it. Nexa is not a collection agency. Relevant inquiries are contacted by our shortlisted collection agency partner(s)

    X
    Need a Collection Agency?
    Contact Us