Average medical debt: $2,459. 80% of medical bills contain errors. The No Surprises Act protects against out-of-network surprise bills. Medical debt can't appear on credit reports for 365 days.
Common CACH LLC Violations
Mass-filing lawsuits with robo-signed affidavits
Collecting on debts with broken chain of title
Misrepresenting the current creditor
Medical Debt Dispute Strategies
1
Request itemized bill with CPT codes
2
Check for No Surprises Act violations
3
Apply for hospital financial assistance
4
Dispute errors line by line
5
Negotiate — hospitals accept 40-60% routinely
Tips Against CACH LLC
CACH buys charged-off credit card debt — demand the original agreement
Robo-signed affidavits may be invalid — challenge in court
If sued, demand they produce a witness with personal knowledge of the debt