Medical Debt Collection in Maryland

Midwest Service Bureau provides ethical Hospital debt collection for medical facilities across Maryland. We deliver compliant recovery solutions, supporting financial health while maintaining community goodwill.

Medical Debt Collection Expert

Professional Debt Collection Agency In Maryland

Debt recovery is uniquely challenging: the state caps lawsuits at three years, limits home liens and wage garnishments for many low-income patients, and requires hospitals to offer zero-interest payment plans before pursuing extraordinary actions. The 2021 Medical Debt Protection Act and a rigorous licensing regime under the Maryland Collection Agency Licensing Board make compliance critical. Midwest Service Bureau (MSB) applies a purpose-built workflow that converts aged receivables into predictable revenue while preserving patient trust and avoiding Attorney-General scrutiny. With 55 years of healthcare collections experience and real-time analytics via our Expert Analysis portal, we keep your revenue cycle and reputation healthy.

Our Proven Medical Debt Collection Approach

Phase 1: Account Review & Validation

Mail first notice within 24 hours with bilingual charity-care insert.
Voice/SMS/email/portal outreach respects 8 a.m.–9 p.m. rules and MCDCA scripting.
Patients self-serve via Early-Out Patient Collections portal, creating zero-interest plans in minutes.
Outcome: Only clean, compliant medical bill collection files advance.

Phase 2: Patient Contact & Communication

Empathy-driven outreach via phone, SMS, email, or portal.
Maintains high right-party contact rates while minimizing complaint risk.

Phase 3: Resolution & Payment Processing

Post settlements, HSA draws, and payment-plan drafts instantly; APIs feed live dashboards.
All receipts reflect 6% statutory interest and HB 565 disclosures.
Outcome: Faster cash flow and audit-ready documentation.

Turning Debt Challenges into Recovery Opportunities

Types of Medical Debt We Collect

Hospital & Health-System Debt

Physician-Practice Collections

Specialty-Healthcare Debt

What Makes MSB a Trusted Collection Agency in Maryland

Knowledge of Maryland Healthcare & Billing Practices: We understand the specific reimbursement patterns, billing requirements, and patient expectations in Maryland, allowing us to manage accounts with precision.
Strong Compliance & Secure Data Processes: MSB operates under strict HIPAA, FDCPA, and Maryland regulatory standards, ensuring every interaction and data point is handled legally and securely.
Transparent Reporting & Clear Account Tracking: Our reporting systems provide up-to-date insights into recovery progress and account activity, giving you full visibility at every stage of the collection process.

Compliance, Security & Professional Standards

Key Rule	Requirement	Why It Matters
Statute of limitations	3 years for written & open-account debts (Md. Cts. & Jud. Proc. § 5-101)	• No lawsuits/liens/wage garnishments if patient ≤ 200 % FPL • Zero-interest payment plans, min 36 months • Credit-bureau reporting barred for 180 days
Medical Debt Protection Act (HB 565 / SB 514, 2021)	Defines the suit window for medical bill collection	Directly limits collection tools
Surprise Billing (HB 1420 / SB 894, 2020)	Disputed out-of-network balances stay out of collections until arbitration ends	Prevents premature healthcare debt recovery
Judgment interest	Shield consumers’ homes	Caps post-judgment recovery
Homestead protection	Hospitals barred from placing liens on a patient’s primary residence (HB 565)	Shield consumers’ homes

HIPAA & Breach-Notification Compliance

MSB encrypts all PHI in transit and at rest, enforces role-based access, and mirrors Maryland’s 45-day breach-notification requirement (Md. Comm. Law § 14-3504) in every Business Associate Agreement. Immutable audit logs are maintained in our HIPAA + FDCPA hub.

Licensing, MCDCA & FDCPA

The Maryland Collection Agency Licensing Act (Md. Bus. Reg. § 7-101 et seq.) requires annual licensing and a $5,000–$15,000 surety bond. The Maryland Consumer Debt Collection Act (MCDCA) and the Consumer Protection Act make any FDCPA breach an unfair practice. MSB renews licenses annually, maintains bonding, and trains collectors yearly, ensuring every collection interaction is lawful and respectful.

Our Track Record

Average recovery rate

0 %

Day Average

Accounts

Resolution

0 %

Our Track Record

93%

Average recovery rate

34

Day Average

4,812

Accounts

93%

Resolution

What Our Client Say

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.

Midwest Service Bureau is a company that truly looks out for the greater good of their client. They want to see their clients thrive, even if that means they do not make a profit. Any time I have ever had a question I call Midwest and they have the answer. Any time I have needed advice they have been there for me and have guided me through the process. Their customer service is outstanding and their work ethic is even better! I couldn’t imagine a time when I wouldn’t need them.

The team at Midwest Service Bureau has earned our trust for over 10 years based on their service, results, performance, and rates and that’s why they will continue to receive all our collection business. They deliver excellent customer service with quick responses, unlimited willingness to lend their assistance, ethical work values, and even training seminars that provide us with other processes and tools to reduce our collections activity. On top of that, I enjoy the relationships I have made with the people of MSB over the years. I have no reservation in recommending Midwest Service Bureau to others.

We have been doing business with Midwest Service Bureau for a while now. They have an extremely high recovery rate. They are always right on top of things, and get the job done. We have other credit services calling us but, we always tell them that we are happy with who we are using. We would highly recommend them to anyone.

Our office has had a great experience with Midwest Service Bureau. The staff is very helpful and knowledgeable, always available to answer questions. Our representative comes into our office once a month to check in and see how things are going for us. If we have any questions or issues they take the time to get them resolved. Midwest also offers training for the staff. We did take advantage of this opportunity and it was very helpful to the staff members that had no previous experience with collections. Through the training, the front office staff learned what information they should be gathering and the importance of it. I would highly recommend Midwest Service Bureau if you are looking for a collection agency.

I have been employed with Sunflower Bank for over 20 years as the collection manager, and during that time have dealt with Midwest Service Bureau, LLC regarding collection accounts to include credit cards, loans, and deposit accounts. I have also dealt with them prior to coming to Sunflower Bank when I worked for GMAC out of Wichita, KS for roughly ten years. Micki Kell who is the President of this organization and her staff have provided wonderful customer service the entire time. A representative from the organization always contacted us in person once a month, and the face-to-face contact was always greatly appreciated. Their staff was always available to answer any questions or address any concerns we had. Their software program was very user friendly and make it an easy way to communicate regarding accounts. I would definitely recommend this organization if you are looking for a company to handle your collection accounts.

Frequently Asked Questions

What is the statute of limitations for medical debt in Maryland?

Three years from the last invoice or payment; a new payment or written promise restarts the clock.

Do I have the right to dispute a medical debt in Maryland?

Absolutely. You can dispute the debt in writing, and the collector must provide verification, including billing breakdowns and patient responsibility details. No further collection can continue until validation is completed.

Can medical debt collectors in Maryland see my personal health details?

No—only billing-related data is shared, not private medical history. All handling of patient information must comply with HIPAA and Maryland privacy laws.

What should I do first if I receive a Maryland collection notice from MSB?

Start by reviewing the notice for accuracy. If anything seems unclear, request written debt validation. If the bill is correct, reach out promptly to discuss payment options or settlement arrangements.

Related Services

Contact Our Team Today!

Phone: 316-263-1051
Address: 625 W. Maple St., Wichita, KS 67213

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Maryland medical debt collection is uniquely challenging: the state caps lawsuits at three years, bans home liens and wage garnishments for many low-income patients, and forces hospitals to offer zero-interest payment plans before any “extraordinary” action. Add the 2021 Medical Debt Protection Act and a tough licensing regime under the Maryland Collection Agency Licensing Board, and one compliance slip can cost thousands. Midwest Service Bureau (MSB) meets that challenge with a purpose-built Maryland medical debt collection workflow that converts aged receivables into predictable revenue, without harming patient relationships or triggering Attorney-General scrutiny. Backed by 55 years in healthcare collections and real-time analytics in our Expert Analysis portal, we keep your revenue cycle and reputation healthy.

Maryland Medical Debt Collection Laws

Key Rule	Requirement	Why It Matters
Statute of limitations	3 years for written & open-account debts (Md. Cts. & Jud. Proc. § 5-101)	• No lawsuits/liens/wage garnishments if patient ≤ 200 % FPL • Zero-interest payment plans, min 36 months • Credit-bureau reporting barred for 180 days
Medical Debt Protection Act (HB 565 / SB 514, 2021)	Defines the suit window for Maryland medical debt collection	Directly limits collection tools
Surprise Billing (HB 1420 / SB 894, 2020)	Disputed out-of-network balances stay out of collections until arbitration ends	Prevents premature Maryland medical debt collection
Judgment interest	Shield consumers’ homes	Caps post-judgment recovery
Homestead protection	Hospitals barred from placing liens on a patient’s primary residence (HB 565)	Shield consumers’ homes

HIPAA & Breach-Notification

MSB encrypts all PHI in transit and at rest, enforces role-based access, and mirrors Maryland’s 45-day breach-notice deadline (Md. Comm. Law § 14-3504) in every Business Associate Agreement. Immutable audit logs live in our HIPAA + FDCPA hub.

Licensing, MCDCA & FDCPA

The Maryland Collection Agency Licensing Act (Md. Bus. Reg. § 7-101 et seq.) requires annual licensing and a $5 000 – $15 000 surety bond. The Maryland Consumer Debt Collection Act (MCDCA) and the Consumer Protection Act make any FDCPA breach an unfair practice. MSB renews its license every July, maintains bonding, and trains collectors yearly, so every Maryland medical debt collection call is respectful and lawful.

Credit-reporting note: Maryland has no blanket ban on medical tradelines, but the 180-day hold in HB 565 applies. MSB suppresses reporting on request and will adjust when the CFPB’s nationwide prohibition takes effect.

Our Maryland Medical Debt Collection Process

Phase	Actions	Outcome
1. Account Review & Validation	Mail first notice within 24 h with bilingual charity-care insert. Voice/SMS/email/portal outreach respects an 8 a.m.–9 p.m. window & MCDCA scripting. Patients self-serve through our Early-Out Patient Collections portal—creating zero-interest plans in minutes	Only clean, compliant Maryland medical debt collection files advance
2. Patient Contact & Communication	Mail first notice within 24 h with bilingual charity-care insert. Voice/SMS/email/portal outreach respects an 8 a.m.–9 p.m. window & MCDCA scripting. Patients self-serve through our Early-Out Patient Collections portal—creating zero-interest plans in minutes	Higher right-party contacts, lower complaint risk
3. Resolution & Payment Processing	Post settlements, HSA draws, payment-plan drafts instantly; APIs feed live dashboards. All receipts reflect 6 % statutory interest & HB 565 disclosures	Faster cash, audit-ready documentation

Types of Medical Debt We Collect

Hospital Balances & Maryland Medical Debt Collection

Emergency-department visits
Inpatient & outpatient surgeries
Diagnostic imaging & lab services
Surgical implants & supplies

Physician-Practice Maryland Medical Debt Collection

Primary-care appointments
Specialist consults & procedures
Ancillary lab/imaging referrals

Specialty Healthcare Debt

Dental debt collection
Vision & hearing care
Mental-health therapy
Home-health & physical-therapy balances

Benefits of Maryland Medical Debt Collection for Providers

Improved Cash Flow — Clients using our Maryland medical debt collection workflow trim AR days by 30 %, releasing capital for staffing & tech.
Compliance Assurance — HIPAA encryption, state licensing, 6 % interest-cap & charity-care safeguards keep you clear of AG scrutiny.
Patient Relationship Preservation — Empathy-first scripting, transparent billing, and flexible payment options keep Net Promoter Scores high, even during tough Maryland medical debt collection conversations.

Frequently Asked Questions

What is the statute of limitations for medical debt in Maryland?

Three years from the last invoice or payment, a new payment or written promise restarts the clock, crucial for Maryland medical debt collection timing.

Can medical debt affect my credit score in Maryland?

Only after 180 days, MSB can suppress reporting on request. We’ll adjust when federal rules change, protecting patients during Maryland medical debt collection.

How does medical debt collection differ from other debt?

Maryland medical debt collection must navigate HIPAA, state licensing, MCDCA, surprise-billing holds, charity-care screening, and a three-year statute, stricter than standard consumer debt.

What should I do if I receive a medical debt collection notice?

Review the itemized bill and Good-Faith Estimate, compare charges with your Explanation of Benefits, and contact MSB within 30 days to dispute or arrange a plan, your first step toward resolving Maryland medical debt collection issues.

Contact Our Maryland Medical Debt Collection Team

Ready to strengthen your revenue cycle? Call our specialists today.

Phone: 316-263-1051
Address: 625 W. Maple St., Wichita, KS 67213