Trusted Medical Debt Collection Agency in Texas
Healthcare debt recovery demands a careful balance of compliance, compassion, and revenue-cycle expertise. Hospitals and clinics across Houston, Dallas, Austin, and San Antonio face rising self-pay balances while navigating some of the strictest consumer-protection rules in the nation. Efficiently collecting outstanding balances without damaging patient trust or violating Texas law is a critical challenge.
Partnering with Midwest Service Bureau (MSB) provides a tailored, compliant medical bill collection program. Our 55 years of experience, combined with our analytics-powered Expert Analysis Portal, helps healthcare providers anticipate, manage, and resolve delinquent accounts efficiently — all while maintaining patient goodwill and minimizing regulatory risk.
MSB’s structured approach ensures every account is validated, communicated with care, and resolved within HIPAA, TDCA, and Finance Code regulations.
All Texas medical debt accounts include PHI secured with AES-256 encryption, role-based access, and detailed audit logs. Business Associate Agreements incorporate a 72-hour breach-notification window, ensuring full HIPAA alignment.
MSB collectors complete annual TDCA recertification and follow FDCPA standards. Scripts, disclosures, and contact timing are monitored for full compliance with Finance Code and federal regulations.
In Texas, a creditor generally has 4 years (from the date of default or last payment) to file a lawsuit to collect unpaid medical bills.
Yes. Under Texas law, a health-care provider must send you a bill by the first day of the 11th month after the services were provided. If they miss that billing deadline, they may lose the right to legally collect that debt.
Yes. If a medical bill goes to collection and remains unpaid, it can be reported to credit bureaus and may negatively affect your credit score.
Yes. You have the right to ask for a detailed, itemized bill, challenge errors, and request validation of the debt. Disputing can be especially effective if the bill is old, unclear, or seems inflated.
Phone: 316-263-1051
Address: 625 W. Maple St., Wichita, KS 67213
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Texas medical debt collection is a balancing act: the Lone Star State enforces some of the nation’s toughest consumer protections while hospitals wrestle with ballooning self-pay balances. By choosing Midwest Service Bureau (MSB), your organization secures a Texas medical debt collection program that converts receivables into revenue, without harming patient trust or triggering Texas Finance Code penalties. Our 55 years of experience and analytics-driven Expert Analysis portal give you the insight to predict, prevent, and pursue delinquent accounts with surgical precision.
Every Texas medical debt collection file carries protected health information. MSB encrypts ePHI at rest and in motion, enforces role-based access controls, and mirrors Texas’s 72-hour breach-notification window in our Business Associate Agreement. Detailed audit logs live inside our HIPAA + FDCPA Compliance hub.
The TDCA (Texas Finance Code Chapter 392) extends FDCPA-style rules to all creditors, not just third-party agencies, and requires a $10,000 surety bond for agencies operating in the state. MSB’s collectors complete annual TDCA recertification and maintain the required bond on file with the Secretary of State.
Credit-reporting note: The CFPB’s 2025 national ban on reporting medical debt is currently paused by a federal court in the Eastern District of Texas. MSB therefore suppresses bureau reporting unless and until the rule takes full effect.
We ingest AR directly from Epic, Meditech Self-Pay Recovery, or any EHR, then scrub for payer denials, charity-care eligibility, duplicate claims, and SB 490 billing-rule compliance. Clean data is the bedrock of compliant Texas medical debt collection.
First notices go out within 24 hours, paired with plain-language financial-assistance flyers. Calls, SMS, and email touchpoints follow Texas’s 8 a.m.–9 p.m. windows, and all scripts meet both TDCA and FDCPA standards. Patients can self-serve via our Early-Out Patient Collections portal, setting up no-interest plans in minutes.
Negotiated plans and settlements post instantly to your PMS, and real-time APIs feed results to your finance dashboards. All receipts satisfy Texas Finance Code disclosure rules, closing the loop on fully compliant Texas medical debt collection.
Clients who outsource Texas medical debt collection to MSB reduce AR days by 30 % on average, unlocking capital for staffing and tech upgrades.
HIPAA encryption, TDCA bond coverage, and SB 490 itemized-billing workflows shield you from fines or PR fallout.
Empathy-first scripting and transparent payment options keep Net Promoter Scores high, even during challenging Texas medical debt collection conversations.
Seeking quicker recoveries with patient-focused compliance? Connect with our Texas experts today.
Phone: 316-263-1051
Address: 625 W. Maple St., Wichita, KS 67213