Med-1 Solutions , LLC (MOS) is a third-party collection agency based in Indiana that specializes in collecting delinquent medical bills. MOS has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including making false statements and threatening to take actions that cannot legally be taken. If you have been contacted by this debt collector, make sure you understand your rights before taking action.
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According to the Better Business Bureau (BBB), Med-1 Solutions, LLC is a legitimate debt collector, founded and incorporated in 2003. The BBB established a profile page for MOS in 2005. MOS is listed as a collection agency.
Except for a secure online payment portal that identifies MOS as a bill collector, MOS does not maintain a publicly accessible website. Their profile page on the LinkedIn social media network identifies them as a medium-sized company of 5 to 200 employees located in Indiana and provides a link to the payment portal at www.med1solutions.com.
MOS is a subsidiary of a larger group of companies known collectively as RevOne Companies (ROC). According to its website at www.revonecompnies.com, ROC is “a collections and accounts receivable management company…that has grown into a premier healthcare industry partner… specializing in all areas of the revenue cycle recovery process.”
ROC, in turn, manages several independently operating divisions—Complete Billing Services (CBS); EPI Finance Group (EPI); WellFund; Perfiniti Insurance; and ConnectTec. EPI, WellFund, and Perfiniti offer healthcare-related financial services, including administration of Affordable Care Act (ACA)-based healthcare plans; employer-based insurance policy administration; patient advocacy; and issuing healthcare loans.
CBS provides first-party collection services and business process outsourcing services that include early-out program administration; insurance billing and follow-up; legacy accounts receivable cleanup; accident claims and workers’ compensation; and denial management and ERISA claims. ConnectTec is the collections division of ROC and offers “customized communication and collection solutions,” including email campaigns, payment portals, and an interactive voice response (IVR) system. ConnectTec also offers text-message-based collection services that “comply with TCPA and FDCPA regulations…and follow… the regulations of HIPAA and” the FDCPA.
MOS is not mentioned anywhere on the ROC website. Only the Client Login link at the top right corner of the home page leads to the MOS payment portal. ROS cites affiliation with the International Association of Credit and Collection Professionals (ACA International), but their website does not provide links or references to consumer protection resources, laws, or enforcement agencies.
The BBB has closed 27 complaints against Med-1 Solutions in the preceding 3 years, with 10 complaints closed in the past 12 months. All of those complaints alleged problems with billing and collections. Since April 2015, the Consumer Financial Protection Bureau (CFPB) has closed 29 complaints against MOS. Justia lists at least 12 cases of civil litigation involving MOS.
Med-1 Solutions, LLC
517 US 31 North
Greenwood, IN 46142-3932
Telephone: (317) 883-5600
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely Med-1 would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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Absolutely. Here are some Sample Complaints
In September 2017, in United States District Court, Southern District of Indiana, Indianapolis Division, a judge issued an Order in a case alleging Med-1 Solutions had violated the FDCPA. In this case, the plaintiff had incurred consumer debts as a result of receiving medical services at a local hospital. MOS was hired to collect the debts when they went unpaid. In its efforts to collect the debt, MOS used a proprietary software application called “SenditCertified™.” The software extracts names, addresses, and other data about individuals in the MOS database then populates fields in pre-formatted electronic documents. The documents are then “sent” to the recipients as a “secure package” using a multi-step process. First, MOS sends an email message with the subject, “Med-1 Solutions has sent you a secure message.” The email contains a message that says, “Please find your message attached,” and a link that redirects the recipient “over the internet via a web browser to access the vendor’s web server where there is another message ‘instructing the user to accept their attachment.’” If the recipient checks the box to accept the attachment, he or she finally gains access to the document—in this case the collection letter and associated validation information—by clicking the “Open Secure Package” button that appears on the screen.
The plaintiff charged that Med-1 Solutions violated FDCPA Section 1692g(a), which “requires the debt collector to send a validation notice to the debtor with its initial communication to collect the debt or within five days after that initial communication.” Attorneys for MOS argued that their email system, which delivered the document to the plaintiff’s email inbox, satisfied the FDCPA’s requirement to “send a validation notice with its initial communication.” The plaintiff insisted that she had never received the email or its associated documents. Attorneys for MOS insisted that the FDCPA only requires that the debt collector to send the notice, but does not require them to ensure that the consumer receives the notice. The court disagreed with MOS’s interpretation, indicating that when the FDCPA was passed, the language was interpreted according to the so-called “mailbox rule,” which is based on the assumption of the reliability of the United States Postal Service’s (USPS) delivery of physical letters to physical addresses. A debt collector who sends a letter through the mail using the USPS to a physical address that has been verified as valid and does not receive the letter back as retuned or undelivered, can be assumed to have fulfilled their responsibility under the FDCPA. However, Med-1 Solutions’ electronic delivery system does not operate under the “mailbox rule.” Furthermore, because their software incudes capabilities that allow them to verify whether the plaintiff had received the message and opened the attachment, they knew or could have known that although they sent the letter, it had had not been received.
As a result, the court granted summary judgement in favor of the plaintiff and awarded her $1,000.00 in statutory damages plus costs and reasonable attorneys’ fees.
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB).
The FDCPA regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt.
The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency
Your debt harassment checklist:
- You are receiving multiple calls per week from third party collection agencies
- You are receiving early morning or late night calls from debt collectors
- You are receiving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
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The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200 NOW.
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