Top-Rated Collection Agency in Michigan
Debt recovery requires precision: statute of limitations, licenses every collection agency, and regulates healthcare collections under the Michigan Collection Practices Act (MCPA). Coupled with the 2020 surprise-billing ban and charity-care mandates, compliance is critical. Midwest Service Bureau (MSB) provides a collection workflow that converts receivables into revenue without triggering LARA investigations or harming patient trust. With 55 years of medical debt collection experience and real-time analytics in our Expert Analysis portal, we turn aging AR into predictable cash flow.
MSB integrates with Epic, Cerner, and Meditech Self-Pay Recovery to ensure every step of Michigan medical billing meets HIPAA, MCPA, and state-specific regulations.
First notices mail within 24 hours and include bilingual charity-care information. Voice, SMS, email, and portal outreach respect Michigan’s 8 a.m.–9 p.m. window and MCPA scripting requirements. Patients can self-manage zero-interest payment plans through our Early-Out Patient Collections portal.
Settlements, HSA draws, and payment-plan drafts post instantly to your PMS; finance dashboards update in real time. Receipts comply with MCPA disclosure standards, ensuring fully compliant medical debt collection.
MSB encrypts every byte of PHI, enforces role-based access, and mirrors Michigan’s 45-day breach-notice deadline under the Identity Theft Protection Act (MCL 445.63). Immutable audit logs live in our HIPAA + FDCPA dashboard, ready for inspection.
Michigan’s Occupational Code (MCL 339.901 et seq.) requires a state license and up to a $50k surety bond for agencies. The MCPA (MCL 445.251 et seq.) bans harassment, misrepresentation, and unauthorized fees, and applies to healthcare creditors. MSB’s collectors renew their licenses annually, maintain the requisite bond, and complete yearly MCPA compliance refreshers, so every Michigan medical debt collection call is courteous and lawful.
Credit-reporting note: Michigan has not banned medical tradelines. MSB suppresses reporting at your request and is tracking the CFPB’s proposed 2025 nationwide prohibition.
In Michigan, medical debt generally falls under the state’s statute of limitations for written contracts, which is 6 years. After that period, debt collectors may still attempt to collect, but they cannot sue you to enforce payment.
Yes. You have the right to dispute inaccurate or incomplete medical bills. You can request validation of the debt, ask for an itemized bill, or file a dispute with the credit bureaus if it appears on your credit report.
Yes. If unpaid, medical debt may be sent to collections and reported to credit bureaus. However, the major credit bureaus have changed policies so medical debt under a certain amount may not appear, and paid medical collections may be removed.
Review the itemized bill, compare charges with your Explanation of Benefits, and contact MSB within 30 days to dispute or arrange a payment plan.
Phone: 316-263-1051
Address: 625 W. Maple St., Wichita, KS 67213
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Michigan medical debt collection is a balancing act: the state applies a six-year statute of limitations, licenses every collection agency, and enforces the Michigan Collection Practices Act (MCPA) alongside a 2021 surprise-billing ban. At the same time, shrinking reimbursements leave bigger balances in patients’ hands. Midwest Service Bureau (MSB) equips your revenue-cycle team with a workflow that converts receivables into revenue, without triggering LARA investigations or damaging patient trust. Backed by 55 years of healthcare collections and analytics inside our Expert Analysis portal, we turn aging AR into predictable cash.
MSB encrypts every byte of PHI, enforces role-based access, and mirrors Michigan’s 45-day breach-notice deadline under the Identity Theft Protection Act (MCL 445.63). Immutable audit logs live in our HIPAA + FDCPA dashboard, ready for inspection.
Michigan’s Occupational Code (MCL 339.901 et seq.) requires a state license and up to a $50k surety bond for agencies. The MCPA (MCL 445.251 et seq.) bans harassment, misrepresentation, and unauthorized fees, and applies to healthcare creditors. MSB’s collectors renew their licenses annually, maintain the requisite bond, and complete yearly MCPA compliance refreshers, so every Michigan medical debt collection call is courteous and lawful.
Credit-reporting note: Michigan has not banned medical tradelines. MSB suppresses reporting at your request and is tracking the CFPB’s proposed 2025 nationwide prohibition.
We import receivables from Epic, Cerner, or Meditech Self-Pay Recovery, then scrub for duplicate claims, payer denials, charity-care eligibility, surprise-billing holds, and time-barred balances, so only compliant Michigan medical debt collection files move forward.
First notices mail within 24 hours, paired with bilingual charity-care flyers. Voice, SMS, email, and portal outreach respect Michigan’s 8 a.m.–9 p.m. window and MCPA scripting. Patients can self-serve through our Early-Out Patient Collections portal, setting up zero-interest plans in minutes.
Settlements, HSA draws, and payment-plan drafts post instantly to your PMS; real-time APIs feed finance dashboards. All receipts satisfy MCPA disclosure rules, closing the loop on fully compliant Michigan medical debt collection.
Clients using our Michigan medical debt collection workflow cut AR days by 30 %, freeing capital for staffing and technology upgrades.
HIPAA encryption, state-licensed agents, and surprise-billing workflows shield you from LARA scrutiny and negative press.
Empathy-first scripting, transparent billing, and flexible payment options keep Net Promoter Scores high, even during tough Michigan medical debt collection conversations.
Ready to strengthen your revenue cycle? Call our specialists today.
Phone: 316-263-1051
Address: 625 W. Maple St., Wichita, KS 67213