MiraMed Revenue Group or MRG is a multinational corporation that specializes in accounts receivable management (ARM), business process outsourcing (BPO), and third-party debt collection. Miramed received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including the use of false or misleading language and threatening to take actions that cannot legally be taken. If you have been contacted by MiraMed Revenue Group, make sure you understand your rights before taking action.
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According to the Better Business Bureau (BBB), MiraMed Revenue Group, LLC is a legitimate collection agency founded in 2004 and incorporated in 2007. The BBB established MR ‘s profile page in 2004.MRG was formed after a financial entity acquired the third-party collection agency RPM. RPM was initially licensed to operate in the state of Illinois in 1994, but since November 2005 has operated as MiraMed Revenue Group, LLC. MRG is listed as a collection agency that uses the alternate business name, M2 Revenue Group. Buzzfile has 3 separate listings for MRG. The location listed in Michigan generates an estimated $91.5 million in annual revenue and reports an estimated total of 2,000 employees worldwide; the location in Illinois reports estimated annual revenues of $6.1 million, with an estimated 120 employees at that single location; and the location in California does not report a revenue estimate, but does report an estimated 1,737 employees at that location.
According to its website, MiraMed Revenue Group is “a premier global provider of business process outsourcing solutions to healthcare organizations nationwide…and partners with hospitals, health networks, physician practices, and related industry service organizations to provide a broad portfolio of customizable solutions, uncover and capitalize on hidden financial opportunities, improve productivity, and, ultimately, increase profits.”
MiraMed Revenue Group operates entirely within the healthcare field. Their website provides a lot of detailed information about their wide variety of services. Information about their third-party collections services can be found on their Self-Pay Solutions page. These services include early-out collections to “manage early placement self-pay accounts seamlessly and under the name of the client to help mitigate the rising patient collection problem”; and bad debt collections that use a “consultative approach to collections where we treat every patient with dignity and respect.”
In addition, MiraMed Revenue Group advertises a complex set of business services that include outsourcing of medical billing services; medical coding and data entry services; ARM services that include insurance billing and follow-up; BPO services that include fully staffed call center and customer service centers; and “risk adjustment services,” that include what appears to be an entire array of medical facility administration and staffing resources.
MiraMed Revenue Group’s array of services is impressive. Their website often appears sympathetic to healthcare providers who face the challenges of providing quality medical care in an environment characterized by “shrinking margins and the added pressure of regulatory changes,” asserting that “the financial obligation for healthcare services has shifted from government and commercial payers to…patients who have exhausted their benefits; require services not covered by their plans; have high co-pays or coinsurance; have not met their deductibles; and/or lack any health insurance coverage.” However, MRG’s well-documented financial reserves and demonstrated success in providing all of the essential administrative functions necessary for the maintenance of quality public hospitals ultimately shows that this company is at least partly responsible for the problems resulting from the predatory financial policies for which it simultaneously claims to offer the industry’s best solutions
As of February 2018, the Better Business Bureau (BBB) has closed 41 complaints against MiraMed Revenue Group in the preceding 3 years, with 3 complaints closed in the past 12 months.The majority of those complaints allege problems with advertising and sales, with 14 complaints alleging problems with billing and collections. As of July 2015, the Consumer Financial Protection Bureau (CFPB) has closed 10 complaints against MRG. Justia lists at least 14 cases of civil litigation involving MiraMed Revenue Group.
MiraMed Revenue Group, LLC
360 East 22nd Street
Lombard, IL 60148
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely MRG 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 Cases Filed In Federal Court
In March 2015, in United States District Court, Eastern District of Missouri, Eastern Division, a judge issued a Memorandum and Order in a case alleging MiraMed Revenue Group collection staff had violated two separate provisions of the Fair Debt Collection Practices Act (FDCPA). In this case, the plaintiff alleged that an MRG collection agent, during a telephone conversation, violated Section 1692(c)(a)2 of the FDCPA, which prohibits a collection agency from contacting a consumer to discuss a debt after they have been informed that the consumer is represented by an attorney; and Sections1692d and 1962f, which prohibits the use of “harassing, oppressive, abusive, and unconscionable language in its attempt to collect the debt.” According to the facts of the case, the plaintiff initially received a collection letter from MRG in which MRG identified itself as a debt collector. Subsequently, the plaintiff hired an attorney to represent him, and, while in the presence of his attorney at his attorney’s office, contacted MRG to discuss the debt. During that call, after some preliminary conversation, the plaintiff indicated that he was represented by an attorney, after which the collection agent continued to question the plaintiff about his intention for paying the debt. The March 2015 hearing was held to determine both parties’ motions for summary judgement. MiraMed Revenue Group’s attorney argued that because the “plaintiff’s attorney was present with plaintiff during this phone conversation, plaintiff and his attorney consented to the MiraMed Revenue Group agent’s continuing the conversation as he did,” and that therefore no violation occurred. The court disagreed, citing “the clear language of” Section 1692(c)(a)2, which requires that “any consent by plaintiff or his counsel to what MRG’s agent said must be expressed to defendant or its agent before the agent otherwise violated the Act. No such expression of consent occurred.” As for allegations that MiraMed Revenue Group was also liable for violations under Sections 1692d and 1692f, the court found that determination of whether the telephone conversation in question would have been abusive from the perspective of an “unsophisticated consumer” would have to be decided at trial. Thus, the plaintiff’s motion for summary judgment of liability under 1692(c)(a)2 was sustained, and MRG’s cross-motion for summary judgment was denied.
Understanding Your Debt Collection Rights
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 recieving 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.
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.
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