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 Enhanced Recovery Company Violations
TCPA violations through auto-dialed calls
Reporting debts without proper investigation of disputes
Continuing collection on debts paid to original 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 Enhanced Recovery Company
ERC collects for AT&T, Comcast, and similar — get final bills from the carrier
Keep proof of equipment returns — ERC often collects bogus equipment charges
File FCC complaint if the underlying debt is telecom-related