DebtShield
PricingPro PlatformBlogCompare
Log inGet Started

Product

PricingPro PlatformBlog

Suite

DebtShieldDisputeAISubScrub

Features

Credit Card DisputesSubscription RecoveryZombie SubscriptionsBank Fee DisputesMedical Bill Disputes

Resources

How-To GuidesState LawsFAQCompare

Legal

Terms of ServicePrivacy PolicyBlog

From the Pointify Travel Technologies suite:

DisputeAI — Billing DisputesSubScrub — Cancel Subscriptions
DebtShield

© 2026 Pointify Travel Technologies LLC. All rights reserved.

The flagship debt recovery platform.

California/Worldwide Asset Purchasing/Medical Debt

Dispute Worldwide Asset Purchasing Medical Debt in California

Worldwide Asset Purchasing is collecting medical debt in California where the statute of limitations is 4 years. Average medical debt: $2,459. Garnishment limit: 25% or amount exceeding 40x min wage.

4 years

Statute of Limitations

$2,459

Average Medical Debt

25% or amount exceed

Garnishment Limit

Known Worldwide Asset Purchasing Violations

  • Purchasing zombie debts beyond SOL
  • Filing suits on debts they cannot document
  • Failing to respond to validation requests

Dispute Strategies

  • Request itemized bill with CPT codes
  • Check for No Surprises Act violations
  • Apply for hospital financial assistance
  • Dispute errors line by line
  • Negotiate — hospitals accept 40-60% routinely

California Protections

Rosenthal Fair Debt Collection Practices Act. File complaints with: AG Consumer Protection.

  • • Rosenthal Act applies to ORIGINAL creditors too (not just collectors)
  • • Strong wage exemptions — up to 75%
  • • Community property state
  • • 2-year SOL for oral contracts
California LawsWorldwide Asset PurchasingMedical Debt
Dispute Now — $9.99/mo