Professional Debt Collection Agency in Indiana
Debt recovery demands sharp revenue-cycle skills, strict statutory compliance, and genuine empathy for patients. The Hoosier State imposes a six-year statute of limitations on written and open-account debts, licenses every collection agency through the Secretary of State, and polices “unfair or deceptive” conduct under the Indiana Consumer Protection Act. Since 2021, House Bill 1004 has forced providers to issue a Good Faith Estimate before they can pursue balances, while surprise-billing arbitration and rising self-pay loads squeeze margins.
Partnering with Midwest Service Bureau (MSB) equips your team with a turnkey medical bill collection workflow that converts receivables into predictable revenue, without triggering state board sanctions or damaging patient trust. Backed by 55 years in healthcare collections and real-time analytics inside our Expert Analysis portal, we keep your cash flow and reputation healthy.
Our process integrates advanced data validation, compliant communication, and secure payment handling to ensure full adherence to HIPAA, FDCPA, and Indiana collection laws.
| Key Rule | Requirement | Source |
|---|---|---|
| Statute of limitations | 6 years on written contracts and open-account bills; partial payment or a new written promise restarts the clock. | |
| Agency licensing & bond | Collection agencies must register via NMLS, hold a state license, and maintain a $10 000+ surety bond | |
| Capped at 8 % simple interest unless the contract sets a lower | Capped at 8 % simple interest unless the contract sets a lower | |
| Charity-care screening | Non-profits typically grant free care ≤ 200 % FPL and discounts up to 300 % FPL; extraordinary collection actions wait 120 days | bakerinstitute.org |
| Post-judgment interest | Capped at 8 % simple interest unless the contract sets a lower | commercialforeclosureblog.typepad.com |
MSB enforces strict PHI protection protocols, including encrypted SFTP transfers, role-based access control, and audit logs for every file event. We also follow Indiana’s 45-day breach-notification rule (IC 24-4.9-3-3) to ensure timely and transparent reporting.
All Indiana debt recovery communications comply with FDCPA and the Indiana Consumer Protection Act (IC 24-5-0.5). Our team undergoes annual training on harassment-free calling, disclosure accuracy, and documentation integrity. Every call is monitored through AI speech analytics to guarantee full compliance.
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.
Most medical debts fall under a 6-year statute of limitations in Indiana. After that period, legal enforcement options become limited, though the balance may still exist.
Yes. You can submit a written dispute, and the collection agency must provide validation. During that time, collection activity is temporarily paused while the debt is checked for accuracy.
Often yes. Paid medical collections may be removed from your credit report or marked as resolved, which can assist in improving your credit profile over time.
Providers choose MSB because of our patient-respectful approach, high recovery success, and transparent communication. We help maintain positive provider-patient relationships while recovering overdue balances professionally and compliantly.
Phone: 316-263-1051
Address: 625 W. Maple St., Wichita, KS 67213
Get Your Free Quote Today
Discover how our AI-driven solutions can enhance your debt recovery process.
Fill out the form below to get started.
Indiana medical debt collection demands sharp revenue-cycle skills, strict statutory compliance, and genuine empathy for patients. The Hoosier State imposes a six-year statute of limitations on written and open-account debts, licenses every collection agency through the Secretary of State, and polices “unfair or deceptive” conduct under the Indiana Consumer Protection Act. Since 2021, House Bill 1004 has forced providers to issue a Good Faith Estimate before they can pursue balances, while surprise-billing arbitration and rising self-pay loads squeeze margins.
Partnering with Midwest Service Bureau (MSB) equips your team with a turnkey Indiana medical debt collection workflow that converts receivables into predictable revenue, without triggering state board sanctions or damaging patient trust. Backed by 55 years in healthcare collections and real-time analytics inside our Expert Analysis portal, we keep your cash flow and reputation healthy.
| Key Rule | Requirement | Source |
|---|---|---|
| Statute of limitations | 6 years on written contracts and open-account bills; partial payment or a new written promise restarts the clock | law.justia.comsmidlaw.com |
| Agency licensing & bond | Collection agencies must register via NMLS, hold a state license, and maintain a $10 000+ surety bond | securities.sos.in.govlaw.justia.com |
| Capped at 8 % simple interest unless the contract sets a lower | Capped at 8 % simple interest unless the contract sets a lower | mdclarity.comkriegdevault.com |
| Charity-care screening | Non-profits typically grant free care ≤ 200 % FPL and discounts up to 300 % FPL; extraordinary collection actions wait 120 days | bakerinstitute.org |
| Post-judgment interest | Capped at 8 % simple interest unless the contract sets a lower | commercialforeclosureblog.typepad.com |
MSB encrypts all PHI in transit and at rest, enforces role-based access, and mirrors Indiana’s 45-day breach-notice deadline (IC 24-4.9-3-3). Immutable audit logs live in our HIPAA + FDCPA compliance hub.
IC 24-5-0.5 outlaws “unfair, abusive, or deceptive” acts in any consumer transaction. Courts routinely treat FDCPA breaches as per-se IC 24-5 violations, multiplying liability. MSB collectors complete annual Indiana/TCPA refreshers, ensuring every Indiana medical debt collection call is courteous, accurate, and fully documented.
| Phase | What We Do | Benefit |
|---|---|---|
| 1. Account Review & Validation | Import AR from Epic, Cerner, or Meditech Self-Pay Recovery; scrub for payer denials, duplicate claims, charity-care eligibility, HB 1004 GFE compliance, and time-barred balances | Only clean, compliant Indiana files advance |
| 2. Patient Contact & Communication | First notices mail within 24 hours with bilingual charity-care flyers. Voice, SMS, email, and portal outreach respect Indiana’s 8 a.m.–9 p.m. window and IC 24-5 scripting. Patients self-serve through our Early-Out Patient Collections portal—setting up zero-interest plans in minutes | Higher right-party contacts, lower complaint risk |
| 3. Resolution & Payment Processing | Settlements, HSA draws, and payment-plan drafts post instantly to your PMS; APIs feed live dashboards. All receipts reflect Indiana’s 8 % post-judgment rate and IC 24-5 disclosures | Faster cash, audit-ready documentation |
Six years from the last invoice or payment; a new payment or written promise restarts the clock.
Yes, medical tradelines may still appear. MSB suppresses bureau reporting on request and will adjust when federal rules change.
Indiana medical debt collection must observe HIPAA, state licensing, IC 24-5 consumer-protection rules, HB 1004 GFE requirements, charity-care screening, and the six-year statute, tougher than standard consumer debt.
Review the Good Faith Estimate and itemized bill, compare charges with your Explanation of Benefits, and contact MSB within 30 days to dispute or arrange a plan.
Ready to strengthen your revenue cycle? Call our specialists today.
Phone: 316-263-1051
Address: 625 W. Maple St., Wichita, KS 67213