New Jersey Medical Debt Collection Specialists
New Jersey medical debt collection is a complex landscape: the state enforces a six-year statute of limitations, requires a 180-day grace period before extraordinary collection actions, and mandates charity-care screening. Coupled with the 2018 Out-of-Network Transparency Act and the 2024 Louisa Carman Medical Debt Relief Act, compliance is essential. Midwest Service Bureau (MSB) provides a New Jersey workflow that transforms receivables into revenue while protecting patient trust and avoiding Attorney-General penalties. Our 55 years of healthcare collections experience and real-time analytics in the Expert Analysis portal make aging accounts receivable predictable and compliant.
First notices mail within 24 hours, paired with bilingual charity-care information. Voice, SMS, email, and portal outreach respect the 8 a.m.–9 p.m. window and Consumer Fraud Act scripting. 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 meet CFA disclosure standards, ensuring fully compliant New Jersey medical debt collection.
MSB encrypts all PHI in transit and at rest, applies role-based access, and maintains immutable audit logs for inspection.
MSB maintains a $25,000 surety bond and trains every collector annually on CFA case law and New Jersey medical debt collection best practices, exceeding standard requirements.
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Six years from the service date or last payment. Partial payments or new written promises restart the clock.
Yes—until the CFPB’s nationwide tradeline ban (effective date pending). MSB suppresses reporting on request.
New Jersey medical debt collection must comply with HIPAA, the Consumer Fraud Act, the 180-day Louisa Carman hold, out-of-network arbitration, and charity-care screening—stricter than ordinary consumer debt.
Review the itemized bill, compare charges with your Explanation of Benefits, and contact MSB within 30 days to dispute or set up a payment plan.
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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New Jersey medical debt collection is tricky terrain: the Garden State runs a six-year statute of limitations, forbids “extraordinary” actions for 180 days, and enforces a robust Consumer Fraud Act. Add the 2018 Out-of-Network Transparency Act and the 2024 Louisa Carman Medical Debt Relief Act, and one compliance slip can cost thousands. By partnering with Midwest Service Bureau (MSB), you get a workflow that converts receivables into revenue, without risking Attorney-General penalties or hurting patient trust. Our 55 years of healthcare collections and analytics-driven Expert Analysis portal deliver the predictable cash flow your finance team needs.
MSB encrypts all PHI at rest and in transit, enforces role-based access, and mirrors New Jersey’s 45-day breach-notice deadline. Immutable audit logs live in our HIPAA + FDCPA dashboard for instant oversight.
While New Jersey’s proposed Fair Debt Collection Practices Act (S1992) has yet to pass, the New Jersey Consumer Fraud Act (N.J.S.A. 56:8-1 et seq.) already bans false, deceptive, or misleading collection practices. MSB trains every collector yearly on CFA case law and maintains a $25 k surety bond—even though the state does not mandate bonding—to exceed best-practice standards.
We import receivables from Epic, Cerner, or Meditech Self-Pay Recovery, then scrub for payer denials, duplicate claims, charity-care eligibility, arbitration holds, and time-barred balances. Only compliant New Jersey 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 New Jersey’s 8 a.m.–9 p.m. window and CFA 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 CFA disclosure rules, closing the loop on fully compliant New Jersey medical debt collection.
Clients using our New Jersey medical debt collection workflow cut AR days by 30 %, freeing capital for staffing and tech upgrades.
HIPAA encryption, CFA-trained agents, and 180-day grace-period workflows shield you from Attorney-General scrutiny and negative press.
Empathy-first scripting, transparent billing, and flexible payment options keep Net Promoter Scores high, even during difficult New Jersey 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