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 Harris & Harris Violations
Threatening arrest or criminal prosecution for civil debt
Adding unauthorized collection fees
Failing to provide proper mini-Miranda warning
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 Harris & Harris
Harris & Harris collects government and municipal debts — verify with the issuing agency
Parking tickets and municipal fines have specific appeal processes
No collector can threaten arrest for consumer debt — report this immediately