Medical Debt Collector Communication Limits

Based in Cottage Grove, Minnesota, American Accounts and Advisers collects medical debt. Organizations like American Accounts and Advisers are subject to strict rules regarding the ways in which they can collect medical debt.

Some limits on debt collector communication focus on the content of the messages the debt collector can send. Collectors cannot harass customers, make false claims, or give inaccurate information. Law also prohibits collectors from claiming that the consumer will be arrested. More broadly, acts that could be perceived as unfair or threatening are disallowed.

Consumers can reject phone calls from debt collectors entirely, or place restrictions on when they can take place. A request to cease calls completely must be issued in writing, but debt holders can request a collector not call their work phone number with debt-related communications.

Bill collectors who violate these statutes are subject to fines, and must reimburse any losses, such as unfair wage garnishment, that have occurred as a result of the violations.