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 LVNV Funding Violations
Collecting debt they cannot validate
Misrepresenting the amount owed
Re-aging accounts on credit reports
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 LVNV Funding
LVNV is a debt buyer — demand proof of assignment chain
Never make a partial payment — it can restart the SOL in some states
Dispute directly with credit bureaus citing FCRA § 611