Medical Debt Collection In Michigan

MSBureau offers ethical debt recovery solutions for hospitals and clinics across Michigan. We focus on compliant methods to resolve patient balances, improving your facility's overall financial health.

Medical Debt Collection Expert

Michigan Medical Debt Collection Experts

Michigan medical debt collection requires precision: the state enforces a six-year 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 Michigan workflow that converts receivables into revenue without triggering LARA investigations or harming patient trust. With 55 years of healthcare 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 debt collection meets HIPAA, MCPA, and state-specific regulations.

Our Proven Medical Debt Collection Process — Michigan

Phase 1: Account Review & Validation

Import receivables and scrub for payer denials, duplicate claims, charity-care eligibility, surprise-billing holds, and time-barred balances.
Ensure compliance with MCPA, state licensing, and the 2020 surprise-billing laws.
Only compliant accounts advance to patient outreach.

Phase 2: Patient Contact & Communication

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.

Phase 3: Resolution & Payment Processing

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 Michigan medical debt collection.

Types of Medical Debt We Collect

Hospital & Health-System Debt: Emergency visits, inpatient/outpatient surgeries, imaging, lab services, surgical implants, and supplies.
Physician-Practice Collections: Primary care, specialist consults, office procedures, ancillary lab/imaging referrals.
Specialty Healthcare Debt: Dental, vision, hearing, mental-health therapy, home-health, and physical therapy balances.

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 Michigan

Accelerated Cash Flow
Clients reduce AR days by 30%, freeing capital for staffing and technology upgrades.
Compliance Assurance
HIPAA encryption, licensed agents, MCPA workflows, and surprise-billing compliance shield providers from LARA scrutiny and negative press.
Patient Relationship Preservation
Empathy-first scripting, transparent billing, and flexible payment options maintain high Net Promoter Scores during challenging Michigan medical debt collection conversations.

Compliance, Security & Professional Standards

State-Specific Regulations

Statute of limitations: Six years on written or oral contracts, including most medical bills (MCL 600.5807). Partial payment or a new written promise restarts the clock.
Surprise Medical Billing Laws (Public Acts 357–359 of 2020): Out-of-network balances under dispute cannot proceed to Michigan medical debt collection until the insurer-provider arbitration window closes.
Non-profit charity-care: Hospitals must publicize financial-assistance policies and wait at least 120 days before extraordinary Michigan medical debt collection, mirroring IRS 501(r).

HIPAA & Breach-Notification Requirements

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.

Licensing & Michigan Collection Practices Act (MCPA)

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.

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 Michigan?

Six years from the date of the last payment or invoice. Partial payments or a new written promise restart the clock.

Can medical debt affect my credit score in Michigan?

Yes, unless you request suppression. MSB can withhold reporting, and we are tracking the CFPB’s proposed nationwide ban.

How does medical debt collection differ from other debt types?

Michigan medical debt collection must comply with HIPAA, state licensing, MCPA, surprise-billing arbitration holds, charity-care screening, and the 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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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.

Michigan Medical Debt Collection Laws

State-Specific Regulations

Statute of limitations: Six years on written or oral contracts, including most medical bills (MCL 600.5807). Partial payment or a new written promise restarts the clock.
Surprise Medical Billing Laws (Public Acts 357–359 of 2020): Out-of-network balances under dispute cannot proceed to Michigan medical debt collection until the insurer-provider arbitration window closes.
Non-profit charity-care: Hospitals must publicize financial-assistance policies and wait at least 120 days before extraordinary Michigan medical debt collection, mirroring IRS 501(r).

HIPAA & Breach-Notification Requirements

Licensing & Michigan Collection Practices Act (MCPA)

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.

Our Michigan Medical Debt Collection Process

Phase 1 – Account Review & Validation

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.

Phase 2 – Patient Contact & Communication

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.

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 MCPA disclosure rules, closing the loop on fully compliant Michigan 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 Michigan Healthcare Providers

Improved Cash Flow

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

Compliance Assurance

HIPAA encryption, state-licensed agents, and surprise-billing workflows shield you from LARA scrutiny and negative press.

Patient Relationship Preservation

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

Frequently Asked Questions

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

Six years from the date of the last payment or invoice. A partial payment or a new written promise restarts the six-year clock.

Can medical debt affect my credit score in Michigan?

Yes, unless you request suppression. MSB can withhold reporting, and we’re tracking the CFPB’s proposed nationwide ban.

How does medical debt collection differ from other 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.

Connect Our Michigan 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