Medical Debt Collection in Massachusetts

MSB delivers ethical, HIPAA-compliant medical debt collection services across Massachusetts. We help healthcare providers recover patient balances professionally, enhancing financial stability and reputation.

Medical Debt Collection Expert

Massachusetts Medical Debt Collection Experts

Massachusetts medical debt collection requires precise compliance with call limits, patient-screening rules, and surprise-billing laws. The Bay State enforces strict 940 CMR 7.00 regulations, short call windows, and mandates Health Safety Net/charity-care screening before any “extraordinary” collection. Midwest Service Bureau (MSB) provides a Massachusetts workflow that recovers patient balances efficiently and ethically, protecting both cash flow and patient trust. With 55 years of healthcare collections expertise and analytics through our Expert Analysis portal, aging accounts receivable become predictable revenue while remaining fully compliant.

MSB integrates seamlessly with Epic, Cerner, and Meditech Self-Pay Recovery. From initial account review to final payment posting, every step in Massachusetts medical debt collection complies with HIPAA, Division of Banks licensing, and state-specific statutes.

Our Proven Medical Debt Collection Process — Massachusetts

Phase 1: Account Review & Validation

Import receivables from Epic, Cerner, or Meditech and screen for payer denials, duplicate claims, surprise-billing holds, charity-care eligibility, and statute-of-limitations compliance.
Verify accounts against 940 CMR 7.00 requirements, Health Safety Net eligibility, and federal and state billing mandates.
Ensure only compliant Massachusetts medical debt collection accounts advance to outreach.

Phase 2: Patient Contact & Communication

Initial notices mail within 24 hours and include bilingual charity-care information. Voice, SMS, email, and portal communications comply with 8 a.m.–8 p.m. call windows and do not exceed two attempts per week. Patients can self-manage zero-interest payment plans via our Early-Out Patient Collections portal.

Phase 3: Resolution & Payment Processing

Settlements, HSA draws, and payment-plan drafts post instantly to your PMS; real-time dashboards track progress. All receipts meet 940 CMR 7 disclosure standards, completing a fully compliant Massachusetts medical debt collection workflow.

Turning Debt Challenges into Recovery Opportunities

Types of Medical Debt We Collect

Hospital & Health-System Debt

Physician-Practice Collections

Specialty-Healthcare Debt

Why Choose Us for Medical Debt Collection in Massachusetts

Accelerated Cash Flow
Clients reduce AR days by 30 %, freeing capital for staffing, technology upgrades, and patient-care initiatives.
Compliance Assurance
HIPAA encryption, licensed agents, call-caps, and charity-care workflows protect hospitals from AG scrutiny and public criticism.
Patient Relationship Preservation
Empathy-driven scripts, transparent billing, and flexible payment options maintain trust and Net Promoter Scores even during challenging Massachusetts medical debt collection conversations.

Compliance, Security & Professional Standards

State-Specific Regulations

Massachusetts medical debt collection requires adherence to 940 CMR 7, M.G.L. c. 260 statutes, and Health Safety Net requirements.

Written contracts: six-year statute of limitations.
Open accounts: four-year statute of limitations.
Call caps: maximum two phone attempts per week per consumer.
Allowed calling hours: 8 a.m.–8 p.m.
Mandatory written validation: five days from first contact.
Surprise-billing law: out-of-network balances remain on hold until arbitration concludes.
Health Safety Net / Charity Care: hospitals must screen uninsured patients ≤ 300% FPL and wait 120 days post-bill before extraordinary collection.
Licensing & Bonding: agencies must hold a Division of Banks license and a $25,000 surety bond.

HIPAA Compliance

All PHI is encrypted at rest and in transit, with role-based access and immutable audit logs. Letters and messages include only the patient’s name, provider, service date, and balance.

Consumer Protection

MSB trains all collectors annually on 940 CMR 7 call-caps and M.G.L. c. 93A, ensuring every Massachusetts medical debt collection contact is courteous, lawful, and fully compliant.

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 Massachusetts?

Six years for written contracts, four years for open accounts. Partial payment or new written promise restarts the six-year clock.

Can medical debt affect my credit score in Massachusetts?

Yes, medical tradelines may still appear. MSB can suppress reporting on request and will adjust for federal rule changes.

How does medical debt collection differ from other debt?

Massachusetts medical debt collection must comply with HIPAA, Division of Banks licensing, 940 CMR 7 call limits, surprise-billing holds, charity-care screening, and a six-year statute—stricter than standard consumer debt.

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

Review the itemized bill, compare charges with your Explanation of Benefits, and contact MSB within 30 days to dispute or arrange a payment plan.

Related Services

Contact Our Debt Collection Team

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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Massachusetts medical debt collection is a high-wire act: the Bay State caps collection contacts, shortens call windows, and forces hospitals to screen patients for Health Safety Net/charity care before any “extraordinary” action. One slip can trigger penalties under the Attorney General’s 940 CMR 7.00 regulations or the Consumer Protection Act (M.G.L. chap. 93A). By partnering with Midwest Service Bureau (MSB), you secure a Massachusetts medical debt collection workflow that recovers revenue without harming patient trust. With 55 years of healthcare focus and analytics inside our Expert Analysis portal, we turn aging AR into predictable cash, compliantly.

Massachusetts Medical Debt Collection Laws

State-Specific Regulations

Statute of limitations: Six years on written contracts and four years on open accounts or sales of goods (M.G.L. c. 260 §§ 2, 2A). Partial payment or a signed promise restarts the clock.
940 CMR 7.00—Debt Collection Regulations:
- No more than 2 phone attempts in any 7-day period per consumer.
- Calls are allowed only from 8 a.m.–8 p.m. local time.
- Mandatory written validation within five days of first contact.
Surprise-Billing Law (Acts of 2021, c. 260): Out-of-network balances under dispute remain on hold until payer–provider arbitration concludes.
Health Safety Net/Charity Care: Acute-care hospitals must screen uninsured patients ≤ 300 % FPL for free or reduced-cost care and wait 120 days post-bill before extraordinary Massachusetts medical debt collection.

HIPAA & Breach-Notification Requirements

MSB encrypts all PHI in transit and at rest, applies role-based access, and mirrors Massachusetts’ “without unreasonable delay” breach-notice standard (M.G.L. c. 93H). Immutable logs live inside our HIPAA + FDCPA compliance hub for instant audits.

Licensing & Consumer Protection

Debt-collection agencies must hold a Division of Banks license and a $25 000 surety bond (209 CMR 18.00). The state’s Consumer Protection Act (c. 93A) deems any 940 CMR 7.00 violation an unfair practice. MSB renews its license annually, maintains bonding, and trains every collector on 940 CMR 7 call-caps—so every Massachusetts medical debt collection call is respectful and lawful.

Credit-reporting note: Massachusetts has not issued a medical-tradeline ban, but MSB will suppress bureau reporting on request and is tracking the CFPB’s proposed 2025 nationwide prohibition.

Our Massachusetts Medical Debt Collection Process

Phase 1 – Account Review & Validation

We ingest receivables from Epic, Cerner, or Meditech Self-Pay Recovery, then scrub for payer denials, duplicate claims, surprise-billing holds, charity-care eligibility, and time-barred balances, ensuring only compliant Massachusetts medical debt collection files move forward.

Phase 2 – Patient Contact & Communication

First notices mail within 24 hours and include bilingual charity-care flyers. Voice, SMS, email, and portal touches respect the 8 a.m.–8 p.m. window and never exceed two attempts per week. Patients self-serve through our Early-Out Patient Collections portal, setting up zero-interest plans in minutes.

Phase 3 – Resolution & Payment Processing

Settlements, HSA draws, and payment-plan drafts post instantly to your PMS; real-time APIs feed finance dashboards. All receipts satisfy 940 CMR 7 disclosure rules, closing the loop on fully compliant Massachusetts medical debt collection.

Types of Medical Debt We Collect

Hospital & Health-System Debt

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

Physician-Practice Collections

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

Specialty Healthcare Debt

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

Benefits for Massachusetts Healthcare Providers

Improved Cash Flow

Clients using our Massachusetts medical debt collection program cut AR days by 30 %, freeing capital for staffing and technology upgrades.

Compliance Assurance

HIPAA encryption, state-licensed agents, call-caps, and charity-care workflows shield you from AG scrutiny and negative press.

Patient Relationship Preservation

Empathy-first scripting, transparent billing, and flexible payment options keep Net Promoter Scores high, even during tough Massachusetts medical debt collection conversations.

Frequently Asked Questions

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

Six years for written contracts (four for open accounts). A partial payment or a new written promise restarts the six-year clock.

Can medical debt affect my credit score in Massachusetts?

Yes, medical tradelines may still appear. MSB can suppress reporting on request and will adjust when federal rules change.

How does medical debt collection differ from other debt?

Massachusetts medical debt collection must observe HIPAA, Division of Banks licensing, 940 CMR 7 call caps, surprise-billing holds, charity-care screening, and the six-year statute, tougher than standard consumer debt.

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

Review the itemized bill, compare charges to your Explanation of Benefits, and contact MSB within 30 days to dispute or arrange a payment plan.

Contact Our Massachusetts 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