The collection letter has several objectives:

1. Inform the customer they owe you money for services provided, in this case, medical professionals who provided care to you.
2. Establish a payment plan to pay off the debt.
3. Maintain a positive relationship with the customer, and/or patient.

Most all medical providers/hospitals will have their own written correspondence for handling collections and will use a series of letters to collect the debt owed.

Once you receive a collection letter, don’t panic, and don’t ignore it. By law, debt collectors are required to provide specific information regarding the debt. These include: The name of the creditor, the amount owed, information pertaining to your right to dispute the debt, and a statement informing you that the debt is assumed valid if you do not dispute it within 30 days of receiving the notice. According to the Consumer Financial Protection Bureau, an individual can lose important rights if you do not act within the allotted 30- day timeframe.

Fraud can happen to anyone. There are bad actors out there who may take advantage of people with debt. It’s important to be skeptical when you are contacted about owing money to someone.

However, if you do legitimately owe the debt, it is best to have a plan to pay it off.

• You did not receive a letter in the mail explaining what the debt is for
• High-pressure tactics are used (such as threats of arrest)
• They request personal financial information or ask for your complete social security number
• Creditor demands you make an immediate payment
• Creditor demands you to pay via a gift card, prepaid debit card or through a wire transfer

Take action when you receive a collection notice. Reach out to our team to explore options available to help you pay off this debt. A federal rule change began in November 2021 allowing collectors to contact debtors by email, text, or social media, as well as by phone (previously the only sanctioned method other than written correspondence) which opens new ways for scamming the patient. 

Please note that Capio Partners will not attempt to contact you using social media.

• Capio Partners will follow all Fair Debt Collection Practices Act (FDCPA) regulations.
• We can offer flexible option and payment plans.
• Our recovery specialists are trained to educate and take a resolution-based approach to debt recovery.
• Call a member of our team at 888-502-0303 for assistance

americanfaircreditcouncil.org consumerfinance.gov knowmydebt.com