Medical Debt Collection in Minnesota

MSBureau specializes in ethical medical bill collections for providers throughout Minnesota. We deliver HIPAA-compliant solutions, maximizing financial recovery while preserving patient relationships professionally.

Medical Debt Collection Expert

Professional Healthcare Debt Collection Agency in Minnesota

Debt recovery poses a three-way challenge for revenue-cycle leaders: (1) a six-year statute of limitations, (2) strict oversight under the Minnesota Collection Agencies Act (MCAA) and the state Attorney General, and (3) an expansive charity-care mandate requiring hospitals to screen all patients ≤ 275% FPL before pursuing “extraordinary” action. Add the 2022 balance-billing law and rising self-pay balances, and compliance missteps can be costly. Midwest Service Bureau (MSB) addresses these challenges with a purpose-built workflow that recovers cash, preserves patient relationships, and satisfies auditors. With 55 years of healthcare collections experience and real-time analytics via our Expert Analysis portal, we transform aged receivables into predictable, compliant revenue.

Professional Debt Recovery Process

Phase 1: Account Review & Validation

Import AR from Epic, Cerner, or Meditech Self-Pay Recovery.
Scrub for denials, duplicate claims, charity-care eligibility, arbitration holds, and time-barred balances.
Outcome: Only clean, compliant medical bill collection files advance.

Phase 2: Patient Contact & Communication

Mail first notice within 24 hours with bilingual charity-care insert.
Voice/SMS/email/portal outreach respects 8 a.m.–9 p.m. MCAA windows.
Patients self-serve via Early-Out Patient Collections portal, creating zero-interest plans in minutes.
Outcome: Higher right-party contact rates, lower complaint risk.

Phase 3: Resolution & Payment Processing

Post settlements, HSA draws, and payment-plan drafts instantly; APIs feed finance dashboards.
All receipts reflect 4% statutory interest and state-required 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

Why Choose Us for Medical Debt Collection

Understanding Minnesota’s Healthcare Environment: We recognise Minnesota’s healthcare structure, insurance ecosystem, and patient expectations, enabling us to manage accounts with accuracy and local insight.
Compliance-Driven and Legally Sound Methods: MSB strictly adheres to Minnesota regulations, along with HIPAA, FDCPA, and federal collection laws—ensuring your organisation remains fully protected.
Patient-Respectful, Solution-Oriented Communication: We approach Minnesota patients with professionalism and understanding, helping them navigate financial obligations while maintaining trust and cooperation.
Clear Reporting & Full Visibility: You always have transparent access to account status, collection activity, and performance metrics through real-time reporting.

Compliance, Security & Professional Standards

Key Rule	Requirement	Why It Matters
Statute of limitations	6 years for written & open-account debts (Minn. Stat. § 541.05)	Defines suit window for medical debt collection
Surprise Billing Law (2022, Minn. Stat. § 62Q.556)	Disputed out-of-network balances stay out of collections until arbitration concludes	Prevents premature medical bill collection
Charity-Care Screening (Minn. Stat. § 62J.82 & AG Agreement 2023)	Free care ≤ 200 % FPL, sliding discounts ≤ 275 % FPL; 120-day wait before “extraordinary” measures	Mandatory before any assignment or sale
Judgment interest	4 % simple interest unless the contract sets a lower (Minn. Stat. § 549.09)	Caps post-judgment recovery
Homestead lien ban	Hospitals may not levy a patient’s primary residence for medical debt (2019 AG consent orders)	Protects vulnerable consumers

HIPAA & Breach-Notification

MSB encrypts all PHI in transit and at rest, enforces role-based access, and mirrors Minnesota’s 30-day breach-notice rule (Minn. Stat. § 325E.61). Immutable audit logs reside in our HIPAA + FDCPA hub, ready for inspection.

Licensing, MCAA & FDCPA

The Minnesota Collection Agencies Act (Minn. Stat. § 332.31–332.45) requires:

Annual state license (renewed June 30)
$50,000 surety bond
Trust-account audits on request

Any FDCPA violation also constitutes a deceptive act under the Minnesota Consumer Fraud Act (Minn. Stat. § 325F.69). MSB renews its license yearly, maintains bonding, and trains all collectors annually, ensuring every Minnesota medical debt collection call remains courteous and compliant.

Credit-reporting note: Minnesota hasn’t banned medical tradelines. MSB suppresses reporting on request and will adjust when CFPB’s nationwide prohibition takes effect.

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

How long can medical debt be collected in Minnesota?

Minnesota’s statute of limitations for most medical debt is 6 years. After that period, legal action is restricted, although the debt itself may still exist.

Can I set up a payment plan if I can’t pay the full balance in Minnesota?

Yes. We offer flexible payment options based on your financial situation, including monthly installments or possible settlement arrangements.

Does MSB work with Minnesota hospitals and medical offices?

Yes. We partner with clinics, specialist practices, and hospitals across Minnesota, helping them recover overdue accounts while maintaining respectful patient relationships.

Can I dispute a medical collection in Minnesota if I think it’s wrong?

Yes. You can request written validation. During this review period, the agency must stop collection attempts until each charge is verified and confirmed.

Related Services

Contact Our Expert Collection Team!

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

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Minnesota medical debt collection poses a three-way challenge for revenue-cycle leaders: (1) a six-year statute of limitations, (2) strict oversight under the Minnesota Collection Agencies Act (MCAA) and the state’s Attorney General, and (3) an expansive charity-care mandate that forces hospitals to screen every patient ≤ 275 % FPL before “extraordinary” action. Add 2022’s balance-billing law and rising self-pay balances, and one misstep can prove costly. Midwest Service Bureau (MSB) meets that challenge with a purpose-built Minnesota medical debt collection workflow that recovers cash, preserves patient relationships, and keeps auditors happy. With 55 years in healthcare collections and real-time analytics inside our Expert Analysis portal, we transform aged receivables into predictable revenue compliantly.

Minnesota Medical Debt Collection Laws

State-Specific Regulations

Key Rule	Requirement	Why It Matters
Statute of limitations	6 years for written & open-account debts (Minn. Stat. § 541.05)	Defines suit window for Minnesota medical debt collection
Surprise Billing Law (2022, Minn. Stat. § 62Q.556)	Disputed out-of-network balances stay out of collections until arbitration concludes	Prevents premature Minnesota medical debt collection
Charity-Care Screening (Minn. Stat. § 62J.82 & AG Agreement 2023)	Free care ≤ 200 % FPL, sliding discounts ≤ 275 % FPL; 120-day wait before “extraordinary” measures	Mandatory before any assignment or sale
Judgment interest	4 % simple interest unless the contract sets a lower (Minn. Stat. § 549.09)	Caps post-judgment recovery
Homestead lien ban	Hospitals may not levy a patient’s primary residence for medical debt (2019 AG consent orders)	Protects vulnerable consumers

HIPAA & Breach-Notification

Licensing, MCAA & FDCPA

The Minnesota Collection Agencies Act (Minn. Stat. § 332.31 – 332.45) requires:

Annual state license (renewed June 30).
$50 000 surety bond.
Trust-account audits on request.

Any FDCPA breach doubles as a deceptive act under the state’s Consumer Fraud Act (Minn. Stat. § 325F.69). MSB renews its license each spring, maintains bonding, and trains every collector yearly, so every Minnesota medical debt collection call remains courteous and lawful.

Credit-reporting note: Minnesota hasn’t banned medical tradelines. MSB will suppress reporting on request and adjust when the CFPB’s nationwide prohibition takes effect.

Our Minnesota Medical Debt Collection Process

Phase	Actions	Outcome
1. Account Review & Validation	Import AR from Epic, Cerner, or Meditech Self-Pay Recovery; scrub for denials, duplicate claims, charity-care eligibility, arbitration holds, time-barred balances	Only clean, compliant Minnesota medical debt collection files advance
2. Patient Contact & Communication	Mail first notice in 24 h with bilingual charity-care insert. Voice/SMS/email/portal outreach respects an 8 a.m.– 9 p.m. window & MCAA scripting. Patients self-serve via 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 finance dashboards. All receipts reflect 4 % statutory interest & state disclosures	Faster cash, audit-ready documentation

Types of Medical Debt We Collect

Hospital Balances & Minnesota Medical Debt Collection

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

Physician-Practice Minnesota 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 Minnesota Medical Debt Collection for Providers

Improved Cash Flow — Clients using our Minnesota medical debt collection workflows trim AR days by 30 %, releasing capital for staffing & tech.
Compliance Assurance — HIPAA encryption, state licensing, 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 Minnesota medical debt collection conversations.

Frequently Asked Questions

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

Six years from the last invoice or payment; a new payment or written promise restarts the six-year clock, crucial for Minnesota medical debt collection timing.

Can medical debt affect my credit score in Minnesota?

Yes, medical tradelines may still appear. MSB suppresses reporting on request and will adjust when federal rules change, protecting patients during Minnesota medical debt collection.

How does medical debt collection differ from other debt?

Minnesota medical debt collection must navigate HIPAA, MCAA licensing, consumer fraud exposure, 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 plan, your first step toward resolving Minnesota medical debt collection issues.

Contact Our Minnesota 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