Colorado medical debt collection has become increasingly complex. Since 2023, interest on medical balances is capped at 3 %, credit-bureau reporting is heavily restricted, and hospitals that fail federal price-transparency rules lose collection leverage. Midwest Service Bureau (MSB) provides a Centennial-State workflow that recovers self-pay balances efficiently, ethically, and in full regulatory compliance. With 55 years of healthcare collections expertise and analytics-driven insights through our Expert Analysis portal, we turn aging accounts receivable into predictable cash while protecting your hospital’s or clinic’s reputation.
Initial notices are mailed within 24 hours and include the required HB 23-1126 disclosure regarding credit-reporting limitations. Outreach via phone, SMS, email, and secure portals adheres to Colorado’s 8 a.m.–9 p.m. contact window and weekly frequency rules. Patients can self-manage zero-interest payment plans through our Early-Out Patient Collections portal, always respecting the 3 % statutory-interest cap.
Settlements, HSA draws, and payment-plan drafts post instantly to your PMS, with real-time dashboards tracking performance. All receipts and disclosures comply with CFDCPA and SB 23-093, completing a fully compliant Colorado medical debt collection workflow.
MSB encrypts all PHI in transit and at rest, enforces role-based access, and mirrors Colorado’s 30-day breach-notice window (C.R.S. § 6-1-716). Immutable audit logs live in our HIPAA + FDCPA dashboard for instant inspection.
Every third-party Colorado medical debt collection agency must hold a state license and a surety bond of $12 000–$20 000, renewed each July 1. coag.gov MSB’s collectors complete annual CFDCPA and HB 23-1126 trainings, ensuring every call is lawful and respectful.
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Six years for written contracts, three years for oral or open accounts. Any new payment or written promise restarts the six-year clock.
Rarely. HB 23-1126 bars reporting except on jumbo-loan credit pulls; MSB suppresses reporting in all other cases.
Colorado medical debt collection must comply with HIPAA, CFDCPA licensing, a 3 % interest cap, surprise-billing holds, price-transparency enforcement, and credit-reporting restrictions — stricter than typical consumer debt.
Review your itemized statement, compare charges with your Explanation of Benefits, and contact MSB within 30 days to dispute or arrange a payment plan.
Ready to improve your healthcare organization’s revenue cycle? Contact our specialists today.
Phone: 316-263-1051
Address: 625 W. Maple St., Wichita, KS 67213
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MSB encrypts all PHI in transit and at rest, enforces role-based access, and mirrors Colorado’s 30-day breach-notice window (C.R.S. § 6-1-716). Immutable audit logs live in our HIPAA + FDCPA dashboard for instant inspection.
Every third-party Colorado medical debt collection agency must hold a state license and a surety bond of $12 000–$20 000, renewed each July 1. coag.gov MSB’s collectors complete annual CFDCPA and HB 23-1126 trainings, ensuring every call is lawful and respectful.
Colorado medical debt collection is tougher than ever. Since 2023, the state has capped interest on medical balances at 3 % and banned credit-bureau reporting of most healthcare debts. Add a three- to six-year statute of limitations, strict licensing under the Colorado Fair Debt Collection Practices Act (CFDCPA), and hospitals that lose all leverage if they ignore federal price-transparency rules—one compliance slip can cost thousands. Partnering with Midwest Service Bureau (MSB) gives you a Centennial-State workflow that recovers revenue quickly and ethically. Our 55 years in healthcare collections, and analytics-driven Expert Analysis portal turn aging AR into predictable cash while protecting your brand.
MSB encrypts all PHI in transit and at rest, enforces role-based access, and mirrors Colorado’s 30-day breach-notice window (C.R.S. § 6-1-716). Immutable audit logs live in our HIPAA + FDCPA dashboard for instant inspection.
Every third-party Colorado medical debt collection agency must hold a state license and a surety bond of $12 000–$20 000, renewed each July 1. coag.gov MSB’s collectors complete annual CFDCPA and HB 23-1126 trainings, ensuring every call is lawful and respectful.
We ingest receivables from Epic, Cerner, or Meditech Self-Pay Recovery, then scrub for duplicate claims, payer denials, price-transparency compliance, charity-care eligibility, surprise-billing holds, and time-barred accounts—so only valid Colorado medical debt collection files advance.
First notices mail within 24 hours and contain the required HB 23-1126 disclosure about credit reporting. Voice, SMS, email, and portal outreach honor Colorado’s 8 a.m.–9 p.m. window and weekly frequency guidelines. Patients can self-serve through our Early-Out Patient Collections portal, setting up zero-interest plans that respect the 3 % statutory cap.
Settlements, HSA draws, and payment-plan drafts post instantly to your PMS; real-time APIs feed finance dashboards. All receipts satisfy CFDCPA and SB 23-093 disclosure rules, closing the loop on fully compliant Colorado medical debt collection.
Clients using our Colorado medical debt collection program cut AR days by 31 %, freeing capital for staffing and tech upgrades.
HIPAA encryption, state-licensed agents, 3 % interest-cap workflows, and price-transparency safeguards keep you clear of Attorney-General actions and media backlash.
Empathy-first scripting, clear billing, and flexible payment options maintain high Net Promoter Scores—even during tough Colorado medical debt collection conversations.
Want to accelerate reimbursements and trim days in A/R? Connect with our Colorado specialists now.
Phone: 316-263-1051
Address: 625 W. Maple St., Wichita, KS 67213