Managing medical debt collection in Florida requires precision, empathy, and strict adherence to both federal and state laws. With rising self-pay balances, stringent Florida Consumer Collection Practices Act (FCCPA) rules, and ongoing scrutiny from the Consumer Financial Protection Bureau (CFPB), even a minor compliance lapse can result in costly penalties. That’s why Midwest Service Bureau (MSB) partners with hospitals, clinics, and physician groups across Florida to convert unpaid medical balances into predictable revenue—without jeopardizing patient trust.
With over 55 years of healthcare debt recovery experience, MSB’s data-driven approach helps providers reduce Accounts Receivable (AR) days, improve revenue cycle efficiency, and protect reputational integrity. Our proprietary Expert Analysis platform uses real-time analytics to identify the most collectible accounts and accelerate recoveries while maintaining full HIPAA and FCCPA compliance.
Our structured process integrates secure data management, compliant communication, and transparent patient engagement to ensure every step aligns with FCCPA, FDCPA, and HIPAA requirements.
Discover the experiences of our satisfied clients. Hear firsthand Midwest Service Bureau Reviews on how MSB has delivered reliable, results-driven solutions that make a real difference.
The statute allows five years for written contracts and four years for oral agreements. A partial payment or written acknowledgment resets the five-year window.
Yes. Until the CFPB’s medical-debt reporting ban takes effect, unpaid balances may appear on credit reports. MSB suppresses reporting upon client or patient request.
Florida healthcare debt recovery must comply with HIPAA, FCCPA, HB 1175 billing transparency, and charity-care requirements—making it more regulated than standard consumer collections.
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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Florida medical debt collection poses a unique challenge for revenue-cycle leaders. Rising self-pay balances, stiff penalties under the Florida Consumer Collection Practices Act (FCCPA), and aggressive oversight from the CFPB mean even a small compliance misstep can cost thousands. Yet, with MSB’s 55 years of healthcare-focused collections, you can turn aged accounts into predictable revenue without harming patient goodwill. Our real-time analytics inside Expert Analysis combine to deliver faster liquidations while protecting both your reputation and your bottom line.
Florida sets a five-year statute of limitations on written contracts, including most patient-responsibility balances (Fla. Stat. § 95.11 (2)(b)), and four years on oral agreements (§ 95.11 (3)(k)). Partial payments or written acknowledgments restart the clock. Under the Patient’s Right-to-Know Act (HB 1175, 2016), hospitals must give an itemized, plain-language bill within seven days of a patient’s request and before initiating Florida medical debt collection efforts. Non-profit hospitals must also screen for charity-care eligibility and wait at least 120 days before extraordinary collection actions, mirroring IRS 501(r).
Every Florida medical debt collection file contains protected health information. MSB encrypts all ePHI in transit and at rest, enforces role-based access, and signs Business Associate Agreements that mirror Florida’s 30-day breach-notification rule. Quarterly risk assessments and immutable audit logs live in our HIPAA + FDCPA dashboard, ready for inspection by your compliance officer.
Florida’s Consumer Collection Practices Act (Fla. Stat. § 559) extends FDCPA-style prohibitions, harassment, false threats, and deceptive practices to all creditors, not just third-party agencies. MSB maintains the required $50,000 surety bond and recertifies every collector annually. We also monitor the CFPB’s pending rule that would ban all medical tradelines from credit reports nationwide; until enacted, we suppress bureau reporting whenever you request it.
We pull receivables directly from Epic, Cerner, or Meditech Self-Pay Recovery, then scrub for insurance denials, duplicate claims, and HB 1175 itemization requirements. Clean data is the bedrock of compliant Florida medical debt collection.
First notices mail within 24 hours and include bilingual summaries of charity-care options. Voice, SMS, email, and portal messaging respect Florida’s 8 a.m.–9 p.m. window. Patients can self-serve through our Early-Out Patient Collections module, setting up zero-interest plans in minutes.
Negotiated settlements and HSA draws post instantly to your patient-management system, while real-time APIs feed dashboards for finance and compliance staff. All receipts meet FCCPA disclosure rules, closing the loop on fully compliant Florida medical debt collection.
Clients using our Florida medical debt collection programs cut AR days by 29 % on average, freeing working capital for staff and tech upgrades.
HIPAA encryption, FCCPA-certified agents, and HB 1175 itemization workflows shield you from costly fines or PR fallout.
Empathy-first scripting, transparent billing, and flexible payment plans keep Net Promoter Scores high, even during challenging Florida medical debt collection conversations.
Ready to turn outstanding balances into predictable revenue? Connect with our Florida team today.
Phone: 316-263-1051
Address: 625 W. Maple St., Wichita, KS 67213