Leading Collection Agency In Colorado
Debt recovery 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 medical billing 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.
MSB integrates with Epic, Cerner, and Meditech Self-Pay Recovery. From initial account review to final payment posting, every step in medical debt collection complies with HIPAA security standards, CFDCPA licensing, and state-specific statutes.
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 debt recovery 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 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.
Yes. MSB fully complies with Colorado Fair Debt Collection Practices and all applicable state and federal regulations.
Absolutely. We assist Colorado companies of all sizes with recovering overdue B2B accounts while maintaining professionalism and legal compliance.
In Colorado, the statute of limitations for most medical debt is typically 6 years. After that period, collectors may still request payment, but they cannot legally sue to enforce it.
Yes. You can request verification of the debt in writing. The collector must provide proof of the amount owed and the source of the charges before continuing collection activities.
Ignoring it usually leads to further collection efforts and possibly legal action within the statute of limitations. It’s better to respond, request verification, or discuss payment arrangements.
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