Medical Debt Collection in Wisconsin

MSB is your trusted partner for efficient medical debt collection services across Wisconsin. We help clinics and hospitals recover patient accounts professionally, ensuring compliance and maximizing financial returns.

Medical Debt Collection Expert

Professional Debt Collection Agency in Wisconsin

Debt recovery is a balancing act: providers must obey a six-year statute of limitations, hold Department of Financial Institutions licenses, follow the Wisconsin Consumer Act (WCA), and pause out-of-network balances under 2022’s surprise-billing compromise. Shrinking reimbursements only magnify every self-pay dollar at risk. Midwest Service Bureau (MSB) delivers a proven Wisconsin medical debt collection process that converts aged receivables into predictable revenue, without harming patient relationships or triggering Attorney General scrutiny. Backed by 55 years of healthcare focus, and real-time analytics in our Expert Analysis portal, we keep your revenue cycle—and reputation—healthy.

Our Effective Debt Recovery Method

Phase 1: Account Review & Validation

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

Phase 2: Patient Contact & Communication

First notices mail within 24 hours, bundled with bilingual charity-care inserts.
Voice, SMS, email, and portal outreach follow Wisconsin’s 8 a.m.–9 p.m. call window and WCA scripting.
Patients self-serve via Early-Out Patient Collections portal, creating zero-interest plans in minutes.
Outcome: Improved right-party contact rates and lower complaint risk.

Phase 3: Resolution & Payment Processing

Post settlements, HSA draws, and payment-plan drafts instantly to your PMS.
Real-time APIs feed finance dashboards; all receipts comply with judgment-interest caps.
Outcome: Faster cash flow with fully documented collection.

Turning Debt Challenges into Recovery Opportunities

Types of Medical Debt We Collect

Hospital & Health-System Debt

Physician-Practice Collections

Specialty-Healthcare Debt

Why MSB Is a Professional Collection Agency in Wisconsin

Knowledge of Wisconsin Healthcare & Billing Practices: We understand the billing trends, insurance dynamics, and healthcare environments unique to Wisconsin, allowing us to manage accounts with greater accuracy and faster resolution.
Full Legal & Regulatory Compliance: MSB adheres to Wisconsin regulations as well as HIPAA, FDCPA, and federal medical debt standards—protecting your organisation from compliance risks and ensuring secure data handling.
Transparent Reporting & Real-Time Account Insights: You always have full visibility into account activity and recovery progress through our detailed reporting and real-time data access.

Compliance, Security & Professional Standards

Key Rule	Requirement	Why It Matters
Statute of limitations	Six years for written or open-account debts (Wis. Stat. § 893.43). Partial payment or new written promise restarts the clock.	Defines the legal window for Wisconsin medical bill collection
Surprise Billing Act 260 (2022)	Disputed out-of-network balances cannot enter collection until payer–provider arbitration ends	Prevents premature medical debt collection
Hospital charity-care screening	Nonprofit hospitals must publish financial-assistance policies, offer free care ≤ 200% FPL, and wait 120 days before “extraordinary” actions	Mandatory compliance before assignment or sale
Judgment interest	5% simple interest unless the contract specifies less (Wis. Stat. § 815.05)	Caps post-judgment recovery
No primary-home liens for medical debt	SB 67 (2023) bars attachment of a patient’s homestead	Protects vulnerable consumers

HIPAA & Breach-Notification

MSB encrypts all PHI, enforces role-based access, and mirrors Wisconsin’s 45-day breach-notice requirement (Wis. Stat. § 134.98) in every Business Associate Agreement. Immutable audit logs reside in our HIPAA + FDCPA hub, ready for inspection.

Licensing, WCA & FDCPA

The Wisconsin Collection Agency Act (Wis. Stat. § 218.04) requires an annual license and $25,000 surety bond. Debt collectors must also honor Chapter 427 of the WCA; any FDCPA breach automatically violates WCA rules, exposing creditors to punitive damages. MSB renews its license yearly, maintains bonding, and trains collectors annually, ensuring every collection call is courteous and lawful.

Credit-reporting note: Wisconsin has not banned medical tradelines. MSB suppresses reporting on request and monitors CFPB’s pending 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

How long can medical debt be collected in Wisconsin?

The statute of limitations for medical debt in Wisconsin is generally 6 years. After that, lawsuits to enforce payment are restricted, though the debt itself may still remain.

What if I can’t afford my Wisconsin medical bill right now?

You can request a structured payment plan or a settlement offer. We work with patients to create manageable arrangements based on personal financial circumstances.

Is my personal health information exposed during debt collection in Wisconsin?

No. Only billing-related data is shared. Medical debt collection strictly follows HIPAA privacy rules and Wisconsin confidentiality standards.

Can I dispute a medical debt in Wisconsin if the amount looks incorrect?

Yes. You can request written verification of the charges. During this period, the collector must pause collection activities until the debt is validated and accurately confirmed.

Related Services

Contact Our Collection Team Today!

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

Get Your Free Quote Today

Discover how our AI-driven solutions can enhance your debt recovery process.
Fill out the form below to get started.

Wisconsin medical debt collection is a balancing act: providers must obey a six-year statute of limitations, hold Department of Financial Institutions licenses, follow the Wisconsin Consumer Act (WCA), and pause out-of-network balances under 2022’s surprise-billing compromise. Shrinking reimbursements only magnify every self-pay dollar at risk. Midwest Service Bureau (MSB) delivers a proven Wisconsin medical debt collection process that converts aged receivables into predictable revenue, without harming patient relationships or triggering Attorney General scrutiny. Backed by 55 years of healthcare focus, and real-time analytics in our Expert Analysis portal, we keep your revenue cycle—and reputation—healthy.

Wisconsin Medical Debt Collection Laws

State-Specific Regulations

Statute of limitations – Six years on written or open-account debts (Wis. Stat. § 893.43). A partial payment or a new written promise restarts the six-year clock, vital in Wisconsin’s medical debt collection strategy.
Surprise Billing Act 260 (2022) – Disputed out-of-network balances cannot enter Wisconsin medical debt collection until the payer–provider arbitration ends.
Hospital charity-care screening – Non-profit facilities must publish financial-assistance policies, offer free care ≤ 200 % FPL, and wait 120 days before “extraordinary” actions, mirroring IRS 501(r).
Judgment interest – 5 % simple interest unless the contract specifies less (Wis. Stat. § 815.05).
No primary-home liens for medical debt – SB 67 (2023) bars healthcare creditors from attaching a patient’s homestead.

HIPAA & Breach-Notification

MSB encrypts every byte of PHI, enforces role-based access, and mirrors Wisconsin’s 45-day breach-notice rule (Wis. Stat. § 134.98) in every Business Associate Agreement. Immutable logs live in our HIPAA + FDCPA compliance hub, ready for audit.

Licensing, WCA & FDCPA

The Wisconsin Collection Agency Act (Wis. Stat. § 218.04) requires an annual license and $25 000 surety bond. Debt collectors must also honor Chapter 427 of the WCA; any FDCPA breach is an automatic WCA violation, exposing creditors to punitive damages. MSB renews its license each May, maintains bonding, and trains every collector yearly, so every Wisconsin medical debt collection call stays courteous and lawful.

Credit-reporting note: Wisconsin has not banned medical tradelines; MSB suppresses reporting on request and is tracking the CFPB’s pending nationwide prohibition.

Our Wisconsin Medical Debt Collection Process

Phase 1 — Account Review & Validation

We ingest AR from Epic, Cerner, or Meditech Self-Pay Recovery and scrub each file for duplicate claims, payer denials, charity-care eligibility, arbitration holds, and time-barred balances. Clean data is the bedrock of compliant Wisconsin medical debt collection.

Phase 2 — Patient Contact & Communication

First notices mail within 24 hours, bundled with bilingual charity-care flyers. Voice, SMS, email, and portal outreach respect Wisconsin’s 8 a.m.–9 p.m. call window and WCA scripting. Patients self-serve through our Early-Out Patient Collections portal—setting up zero-interest plans in minutes and improving Wisconsin medical debt collection outcomes.

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 comply with judgment-interest caps, closing the loop on fully documented Wisconsin medical debt collection.

Types of Medical Debt We Collect

Hospital Balances & Wisconsin Medical Debt Collection

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

Physician-Practice Wisconsin 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 Wisconsin Medical Debt Collection for Providers

Improved Cash Flow

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

Compliance Assurance

HIPAA encryption, state licensing, and surprise-billing holds shield you from Attorney-General actions and PR fallout.

Patient Relationship Preservation

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

Frequently Asked Questions

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

Six years for written or open-account debts; a partial payment or new promise restarts the six-year clock—critical in Wisconsin medical debt collection planning.

Can medical debt affect my credit score in Wisconsin?

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

How does medical debt collection differ from other debt?

Wisconsin medical debt collection must meet HIPAA, state licensing, WCA rules, surprise-billing arbitration 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 with your Explanation of Benefits, and contact MSB within 30 days to dispute or arrange a payment plan—your first step in resolving Wisconsin medical debt collection issues.

Contact Our Medical Debt Collection Team

Ready to strengthen your revenue cycle? Reach our nationwide MSB headquarters, serving Wisconsin providers every day.

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