Med-1 Solutions LLC is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
Med-1 Solutions , LLC (MOS) is a third-party collection agency based in Indiana that specializes in collecting delinquent medical bills. MOS has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including making false statements and threatening to take actions that cannot legally be taken. If you have been contacted by this debt collector, make sure you understand your rights before taking action.
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Is Med-1 Solutions a scam?
They’re legit. According to the Better Business Bureau (BBB), Med-1 Solutions, LLC is a legitimate debt collector, founded and incorporated in 2003. The BBB established a profile page for MOS in 2005. Med-1 Solutions is listed as a collection agency.
Except for a secure online payment portal that identifies MOS as a bill collector, MOS does not maintain a publicly accessible website. Their profile page on the LinkedIn social media network identifies them as a medium-sized company of 5 to 200 employees located in Indiana and provides a link to the payment portal at www.med1solutions.com.
MOS is a subsidiary of a larger group of companies known collectively as RevOne Companies (ROC). According to its website at www.revonecompnies.com, ROC is “a collections and accounts receivable management company…that has grown into a premier healthcare industry partner… specializing in all areas of the revenue cycle recovery process.”
ROC, in turn, manages several independently operating divisions—Complete Billing Services (CBS); EPI Finance Group (EPI); WellFund; Perfiniti Insurance; and ConnectTec. EPI, WellFund, and Perfiniti offer healthcare-related financial services, including administration of Affordable Care Act (ACA)-based healthcare plans; employer-based insurance policy administration; patient advocacy; and issuing healthcare loans.
CBS provides first-party collection services and business process outsourcing services that include early-out program administration; insurance billing and follow-up; legacy accounts receivable cleanup; accident claims and workers’ compensation; and denial management and ERISA claims. ConnectTec is the collections division of ROC and offers “customized communication and collection solutions,” including email campaigns, payment portals, and an interactive voice response (IVR) system. ConnectTec also offers text-message-based collection services that “comply with TCPA and FDCPA regulations…and follow… the regulations of HIPAA and” the FDCPA.
MOS is not mentioned anywhere on the ROC website. Only the Client Login link at the top right corner of the home page leads to the MOS payment portal. ROS cites affiliation with the International Association of Credit and Collection Professionals (ACA International), but their website does not provide links or references to consumer protection resources, laws, or enforcement agencies.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
How many complaints are there against Med-1 Solutions?
The BBB has closed 27 complaints against Med-1 Solutions in the preceding 3 years, with 10 complaints closed in the past 12 months. All of those complaints alleged problems with billing and collections. Since April 2015, the Consumer Financial Protection Bureau (CFPB) has closed 29 complaints against MOS. Justia lists at least 12 cases of civil litigation involving MOS.
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely Med-1 would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
In September 2017, in United States District Court, Southern District of Indiana, Indianapolis Division, a judge issued an Order in a case alleging Med-1 Solutions had violated the FDCPA. In this case, the plaintiff had incurred consumer debts as a result of receiving medical services at a local hospital. MOS was hired to collect the debts when they went unpaid. In its efforts to collect the debt, MOS used a proprietary software application called “SenditCertified™.” The software extracts names, addresses, and other data about individuals in the MOS database then populates fields in pre-formatted electronic documents. The documents are then “sent” to the recipients as a “secure package” using a multi-step process. First, MOS sends an email message with the subject, “Med-1 Solutions has sent you a secure message.” The email contains a message that says, “Please find your message attached,” and a link that redirects the recipient “over the internet via a web browser to access the vendor’s web server where there is another message ‘instructing the user to accept their attachment.’” If the recipient checks the box to accept the attachment, he or she finally gains access to the document—in this case the collection letter and associated validation information—by clicking the “Open Secure Package” button that appears on the screen.
The plaintiff charged that Med-1 Solutions violated FDCPA Section 1692g(a), which “requires the debt collector to send a validation notice to the debtor with its initial communication to collect the debt or within five days after that initial communication.” Attorneys for MOS argued that their email system, which delivered the document to the plaintiff’s email inbox, satisfied the FDCPA’s requirement to “send a validation notice with its initial communication.” The plaintiff insisted that she had never received the email or its associated documents. Attorneys for MOS insisted that the FDCPA only requires that the debt collector to send the notice, but does not require them to ensure that the consumer receives the notice. The court disagreed with MOS’s interpretation, indicating that when the FDCPA was passed, the language was interpreted according to the so-called “mailbox rule,” which is based on the assumption of the reliability of the United States Postal Service’s (USPS) delivery of physical letters to physical addresses. A debt collector who sends a letter through the mail using the USPS to a physical address that has been verified as valid and does not receive the letter back as retuned or undelivered, can be assumed to have fulfilled their responsibility under the FDCPA. However, Med-1 Solutions’ electronic delivery system does not operate under the “mailbox rule.” Furthermore, because their software incudes capabilities that allow them to verify whether the plaintiff had received the message and opened the attachment, they knew or could have known that although they sent the letter, it had had not been received.
As a result, the court granted summary judgement in favor of the plaintiff and awarded her $1,000.00 in statutory damages plus costs and reasonable attorneys’ fees.
Med-1 Solutions Calling You?
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
Can I sue Med-1 for harassment?
Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
“I would recommend your company to anyone. You have the debt collectors off my back, and I will finally see the light at the end of the tunnel. Throughout the entire procedure your employees were courteous and professional. I was blown away by their efficacy also.”
“Thanks to the staff at Lemberg Law, I have peace of mind again. They worked quickly to find the harassing calls were super considerate when I talked with them. I love the hard work”
“I was almost going nuts receiving calls every afternoon from a person using profane language to push me to pay debts I don’t owe. Someone I trust referred me to Lemberg Law, and I don’t regret having contacted them. The attorneys were very kind and always available when I needed them.”
“Thank you for standing with me Lemberg Law. I was so afraid I could lose my job because of a caller who called my job number 4 hours straight back to back. He not only harassed and threatened me but also abused workmates who received the call when I wasn’t around. Since I solicited for your services, I’ve had a peace of mind, and I’m happy because of the few dollars I got as a settlement.”
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About the Author:
Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. He has been repeatedly recognized as the “most active consumer attorney” in the country. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.
Med 1 Solutions should send out updated statements via email when a payment is coming due. They have no system in place to notify a person when a payment is coming due and it is sometimes easy to forget. I feel they potentially set the client up for failure. They also do not provide any notification that they have received a payment, or any info regarding the amount of the remaining balance. All of this could be achieved easily and cheaply on their part by email. In short, not a smooth seamless system. Not user friendly.
I made payment arrangements outside of small claims court with Med-1 Solutions. I was late with ONE payment. I was served a Final Order for Garnishment …effective immediately. Of course with this order Med-1 Solutions was then able to collect AAALLLLLL of their court costs and my employer was able to collect their own garnishment fees. It was like I never paid Med-1 Solutions anything in the first place. To make matters worse they continued to call and robo dail me 7 days a week during the garnishment process…and they still do. I guess I’ll get another Final Order of Garnishment served at my front door again. I can’t catch my second wind!!
Med-1 Solutions contacts me several times a day. I had made payment arrangements and was told that my debt would be paid in full on October 2018. Today I received another harassing phone call stating that I still owe $800.00 I asked how that was possible when I have been paying for 2 years on this debt. I am currently tracking my own bank records and financial information. However I don’t believe that their records are accurate. Nor do I agree that they should contact me several times a day. I have been compliant with working to resolve this matter.
I underwent spinal surgery in 2017 & began paying off the many co-pay bills. bills from companies not on my insurance’s list of providers, kept trying to get everyone $10-$20 per month from my SSI check until I could get the smaller bills out of the way and pay everyone else more. I received no notification from hospital that I would be turned over to an agency like Med 1. The hospital received $$ from me EVERY month until my account was turned over to med 1. I called Med 1 to find out EXACTLY how much I owed, and the woman at Med 1 said they weren’t obligated to tell me. What???? I checked reviews on Med 1 and found that I wasn’t the only one being told that lie. I had to call the HOSPITAL to find out how much I owed!
If you feel the need to contact me, please do it by email, NOT by phone. I have COPD, which I can’t afford to treat, and all you’ll get is coughing with an occasional word in between coughing.