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 NCO Financial Systems Violations
Pursuing time-barred debts without disclosure
Excessive calling frequency constituting harassment
Failing to validate disputed debts
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 NCO Financial Systems
NCO was acquired by JPMorgan — reference this in disputes for accountability
Keep a call log to document harassment patterns
Send debt validation request within 30 days of first contact