Dental Collection Agency
Dental debt collection for dental offices, group practices and DSOs, on contingency and under a HIPAA compliance program. Headquartered in Wichita, Kansas since 1970.
- No recovery, no fee
- Licensed where required
- HIPAA compliant
Midwest Service Bureau (MSB), headquartered in Wichita, Kansas, has collected for clients since 1970. As a dental collection agency, we collect past-due patient balances for dental offices, group practices and dental service organizations nationwide, on a contingency basis: no recovery, no fee.
Dental accounts are collected under MSB's FDCPA, Regulation F, FCRA and HIPAA compliance program, as part of our healthcare collections work. MSB signs a Business Associate Agreement with each practice before it receives patient information. MSB is licensed where required (NMLS 2671949; California 11599-99; New York City DCWP 2124316) and holds an A+ rating from the BBB, accredited since 2016.
Dental Clients We Serve
- Single-Location Private Practices
- Multi-Specialty Dental Groups
- Dental Service Organizations (DSOs)
Dental Balances We Collect
Dental care often includes treatment that insurance covers only in part or not at all, so many past-due dental balances are patient-responsibility amounts the patient did not expect. MSB collects:
- patient-responsibility balances left after insurance pays
- self-pay balances, including elective and cosmetic treatment
- missed installments on in-house payment arrangements
- balances owed by former patients who have moved
Practices can place accounts early, before a balance ages, or after their own follow-up ends; flat-fee and hybrid pricing is available for early-out and first-party programs.
How a Dental Placement Works
Onboarding typically completes within five business days. To place accounts, a practice typically sends:
- the patient ledger or aging report exported from your practice-management system
- patient demographics and last known contact details
- an itemized statement of treatment, charges and payments for each balance
- insurance claim and EOB history for the balance
- the signed financial agreement or treatment plan, if you have one
MSB accepts account files exported from dental practice-management systems such as Dentrix, Eaglesoft and Open Dental, and returns payment files for your ledger. MSB is not affiliated with, certified by, or a partner of any software vendor named here; names describe the export formats we accept.
MSB reviews each account, sends the validation notice and works the account by phone, letter, email and text within Regulation F contact limits. Payment plans are set within the parameters you approve. Patients can pay online at www.msb-bill.com or by calling (800) 362-0272. Flagged calls are transcribed with AI assistance and reviewed by MSB compliance staff. The client portal shows account status and payment history for every placed account.
Patient Privacy and Dental Debt Rules
HIPAA permits providers to use collection agencies for payment activities, subject to business-associate requirements and the minimum-necessary standard. It does not give collectors unrestricted access to medical records. Breach duties depend on the applicable federal and state rules and the business associate agreement. (HHS: HIPAA and debt collection)
- Disputes: if a patient disputes a debt in writing within the validation period, the collector must pause collection of the disputed amount until it sends verification (Regulation F §1006.38: disputes and verification).
- Credit reporting: The CFPB’s January 2025 medical-debt credit-reporting rule was vacated by a federal court on July 11, 2025. It does not establish a nationwide reporting ban. Any reporting must satisfy applicable federal and state law and the receiving credit bureau’s policies; client permission alone is not enough. (CFPB: July 11, 2025 court decision)
- Bureau policy: The three nationwide credit bureaus exclude paid medical collections and medical collections with an initial reported balance under $500, and use a one-year waiting period for unpaid medical collections. These are bureau policies, not permission to report a balance prohibited by law. (TransUnion: current medical-collection reporting policies)
General information, not legal advice.
Pricing
Contingency placements: you pay only when we collect. There are no setup fees and no monthly minimums. Flat-fee and hybrid pricing is available for early-out and first-party programs.
Founded in Wichita in 1970
Midwest Service Bureau was founded in Wichita, Kansas in 1970 and is headquartered at 625 W Maple St, Wichita. MSB collects nationwide and is licensed where required (NMLS 2671949). Questions about a placement? Call (800) 362-0272, or read our dental practice collections strategy guide.
FAQ
Frequently Asked Questions
You place accounts by file from your practice-management system. MSB reviews each account, sends the validation notice and works it by phone, letter, email and text within Regulation F contact limits. Patients can pay online at www.msb-bill.com or by phone, and the client portal shows account status and payment history.
MSB signs a Business Associate Agreement with each practice before it receives patient information, and handles that information under its HIPAA compliance program.
Yes, through file exchange. MSB accepts account files exported from dental practice-management systems such as Dentrix, Eaglesoft and Open Dental, and returns payment files for your ledger. MSB is not a partner of any software vendor.
Contingency placements: you pay only when we collect. There are no setup fees and no monthly minimums; flat-fee and hybrid pricing is available for early-out and first-party programs.
Onboarding typically completes within five business days.
Patient-responsibility balances after insurance, self-pay balances including elective and cosmetic treatment, missed installments on in-house payment arrangements, and balances owed by former patients who have moved.
Ready to Get Started?
Contact us for a free consultation. We will review your current collection process and explain how a placement with MSB works.
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