- Who is Mountain Land Collections?
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Mountain Land Collections, Inc. (MLC) is a third-party collection agency based in Utah that specializes in collecting delinquent healthcare bills. MLC has received consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA), such as illegal communication tactics and failure to verify debts. If you have been contacted by MLC,understand your rights before responding.
According to the Better Business Bureau (BBB), Mountain Land Collections, Inc. was founded and incorporated in 1991. The BBB established its profile page in 2007. MLC is listed as a collection agency. Buzzfile estimates MLC’s annual revenue at $2.8 million and the size of its staff at 33 people.
According to its website, MLC “is a fully licensed and bonded collection agency specializing in debt recovery… with a strong commitment to excellent service for…clients.” MLC’s goal is “to make your collections a simple and stress-free process, [and] to provide the technology and expertise necessary to obtain the highest possible returns for your organization.”
MLC’s full-service collection division offers the following services: an early out program; a regular collection process; litigation services; credit bureau reporting; custom insurance billing; and a full-service client relations department.
MLC’s early-out program works with their subsidiary, Account Billing & Management (ABM). ABM acts as a first-party billing service for medical providers, sending billing notifications to insured parties to provide a customized strategy for your Early-Out patient accounts.” Their third-party collection division utilizes letters, phone calls, skip tracing, and credit bureau reporting to collect delinquent accounts. MLC partners with the Law Offices of Quinn M. Kofford to litigate accounts “needing a more escalated collection process.” Their insurance billing and client relations departments provide additional customized support for healthcare administration.
MLC describes itself as “a model agency adhering to state and federal regulations including…[the] FDCPA (Fair Debt Collections Practices Act), FCRA (Fair Credit Reporting Act), TCPA (Telephone Consumer Protection Act) and HIPAA (Health Insurance Portability and Accountability Act), just to name a few.” However, they do not provide links to consumer protection resources, laws, or agencies.
The BBB has closed 21 complaints against MLC in the past three years, with 5 closed in the past twelve months. Most of those complaints allege problems with billing and collections. Since August 2015, the Consumer Financial Protection Bureau (CFPB) has received 15 complaints about MLC. Justia lists at least 2 cases of civil litigation naming MLC as a defendant.
Absolutely. Here are some Sample Cases against Mountain Land Collections Inc – MLC.
Complaints against MLC indicate a pattern of attempting to collect debts that have already been paid, then reporting negative items to the credit reporting agencies when consumers object. For example, in May 2017, a complainant indicated that she had been contacted regarding a medical bill of $800 resulting from a car accident her son had been involved in, in which he had not been at fault. The other driver’s insurance had paid all the associated medical expenses. The complainant sent verification to MLC, including a contact at the insurance company to verify the claim. Regardless, MLC insisted that the complainant must pay even after she sent them a copy of the cancelled check for the debt in question. Subsequently, MLC placed a negative item related to the incident on her credit report that prevented her from obtaining a mortgage. All her requests to correct the error were ignored. MLC replied to the complaint posted on the BBB site by stating that they “requested this outstanding account be removed from [her] credit report…[and] submitted an electronic request as well as… a Universal Deletion Form, and a letter will be sent to the address on file stating we have requested the account be removed while we research further.”
Similarly, in August 2016, a complainant who had had emergency surgery reported having the associated costs covered by medical insurance. Regardless, about six months following the operation, she received a bill from MLC demanding she pay an outstanding balance. She contacted the healthcare provider, who confirmed that the bill had been paid. The healthcare provider also contacted MLC and confirmed that the bill had been paid. Nonetheless, MLC proceeded to report the bill as a delinquency on her credit report, and MLC allegedly refused to remove the item, even after they had confirmed that the bill had been paid. The posting of the complaint on the BBB site finally prompted MLC to reply that “[w]e will request this item be removed from your credit report while we continue our research.”
Mountain Land Collections, Inc.
PO Box 1280
American Fork, UT 84003
Understanding your Debt Collection Rights
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are federal laws that regulate how collection agencies may conduct themselves.
The FDCPA prohibits actions such as the use of abusive or threatening language; or the use of false or misleading information to collect a debt.
The FCRA regulates how collection agencies report information to credit reporting agencies.Additional consumer protection laws include the Consumer Financial Protection Act (CFPA) and the Telephone Consumer Protection Act (TCPA).
The complaints above illustrate why it is important to understand your rights and responsibilities under these laws when attempting to communicate with collection agencies.
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers to recover damages of up to $1,000, plus attorney fees and court costs, in cases proving violations of the FDCPA. Seek legal assistance if you are having difficulty resolving a dispute with a collection agency.
If you’ve been harassed by debt collectors, 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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