Free Help to Stop Medicredit Collections Harassment

How To Put An End to Unwanted Calls and Debt Collector Abuse and Threats.

Updated on Author: Sergei Lemberg

Updated on Author: Sergei Lemberg

Medicredit Inc 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.

What is Medicredit Inc?

Medicredit is a collection agency based in St. Louis, MO that specializes in collecting delinquent or unpaid medical bills. Medicredit has received many complaints alleging very serious violations of the Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) such as failing to provide verification of a debt; harassment; and reporting inaccurate information to the credit reporting agencies. If you are concerned about collection efforts by this debt collector, make sure you understand your rights before responding.

Have questions? Call us now at 475-277-1600 for a Free Case Evaluation.

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The harassing company pays our fees.

Is Medicredit a scam?

They’re legit. According to the Better Business Bureau (BBB), Medicredit, Inc., is a legitimate collection agency based in St. Louis, MO. It was founded and incorporated in 1977 and BBB opened its file immediately. Medicredit services medical providers in Illinois and Missouri. Alternate business names include Cogent Financial Group and Revenue Cycle Point Solutions. Buzzfile estimates Medicredit Inc’s annual revenue at $3.2 million.

Despite BBB’s profile page, 32 years in business, and a substantial annual revenue, information about this debt collection agency is hard to find. Their website consists of only one page. After a brief welcome message at the top of the page, the site indicates that Medicredit’s “goal is to make your online experience as simple and understandable as possible,” and directs site visitors to gather their account number; their full name as it appears on their medical bill; and the last four digits of their social security number. Site visitors are given two options to pay the bill: call a toll-free number or access the online pay portal.

Who does Medicredit collect for?

Information about Medicredit’s business practices comes from a wide variety of sources. The BBB has posted a special notice informing consumers that they have “received a pattern of complaints alleging calls made to consumers who do not owe a debt; consumers indicated they were not aware of the debt owed; requests to remove negative information from credit reports not granted; and overall poor customer service.” In their response, Medicredit stated that hospitals and doctor’s offices refer unpaid client accounts to them; that they send letters to consumers; that they place phone calls if there is no response to the letters within 30 days; and that if there is no response to the phone calls, they report the debt to the credit reporting agencies. They claim to average 200,000 contacts each month from 15 different call centers.

A search for Medicredit on the Ripoff Report website produces 11 complaints of fraudulent debt collection activity, mostly alleging attempts to collects debts not owed or the use of false or misleading information. Because their website and collection practices tend to keep as much information from the public as possible, another complainant posted information offered as a public service for injured parties interested in suing Medicredit that includes contact information for their agent for service of process, chief executive officer, and the Attorney General for the State of Missouri. Complaints on the Consumer Affairs website ( indicate a pattern of phone calls from collection agents who do not possess accurate information about the bills they are trying to collect; make an effort to be unhelpful with regard to resolving conflicts or clarifying misunderstandings; and routinely report inaccurate information to the credit reporting 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 Medicredit Inc?

The BBB lists 253 complaints against Medicredit closed in the past three years, with 65 complaints closed in the past 12 months. Complaints are fairly evenly split between billing and collection issues and advertising and sales issues. The BBB Scam Tracker has logged one incident against Medicredit in which the complainant indicated that they were attempting to collect a bill that was not owed and used abusive language during a telephone exchange. The six negative reviews also allege fraud.

Contact Information

Medicredit, Inc.
3 Cityplace Dr., Ste. 690
Saint Louis, MO 63141-7089
Telephone: (800) 823-2318

Can Medicredit Inc Sue Me or Garnish My Wages?

It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely Medicredit 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!

Get Free BBB A+ Attorney. Call 475-277-1600 NOW

Unlawful Debt Harassment? Learn the Law & Sue the Collector.

Can you help me file a No Fee Lawsuit against Medicredit?

Absolutely.  You can sue a debt collector. Here are some Sample Cases filed in Federal Court

In 2018, a proposed class action was filed against Medicredit, Inc. by a Florida woman who claimed the debt collector failed to clearly identify her creditor in a collection letter. The plaintiff allegedly received a collection notice from the defendant that demanded payment on a medical debt. According to the suit, Medicredit neglected to specifically name the plaintiff’s creditor and instead only listed the facility at which she received treatment, leaving her unsure as to whom she owed the alleged debt.

Here are some past Press Releases of Lawsuits Brought On Against Medicredit By Lemberg Law

May 25, 2017. On behalf of our client, Lemberg Law recently filed a complaint in U.S. District Court, Eastern District of Missouri. The case, against Medicredit, charges the debt collector with violating federal law. It asks for $500 to $1,500 per call in TCPA statutory damages, plus other relief.

While robocalls have a specific legal definition, everyone knows a robocall when they get one. Typically, when you answer the phone, you hear a period of silence or clicking sounds before being transferred to a live representative. Other times, you can hear a prerecorded voice. Either way, robocalls are annoying. Our client says that this collection agency robocalled his cell phone. When he answered, he heard silence and had to wait on the line before he was connected to the next available representative. At one point, our client spoke with a live representative and asked to stop calling him. Nevertheless, the debt collection agency continued to call our client’s cell phone.

The lawsuit charges that Medicredit violated the Telephone Consumer Protection Act (TCPA) by using an automated telephone dialing system to call our client’s cell phone without his consent.

April 14, 2017. On behalf of our client, Lemberg Law recently filed a complaint in U.S. District Court, Southern District of Texas. The case, against Medicredit, charges the debt collection agency with violating federal law and asks for $1,000 in statutory damages under the Fair Debt Collection Practices Act, plus other relief.

It’s common for people to get into a financial squeeze. You never know what life will throw at you. Sometimes it’s medical bills, sometimes it’s car repairs, and sometimes it’s a different unanticipated expense. Regardless, there’s no shame in falling behind. What is shameful, however, is when a debt collection agency talks about your debt with other people. Our client says that this debt collector called her workplace in an attempt to collect a debt. She says that the debt collection agency spoke with one of her coworkers. Her coworker told Medicredit that our client was not allowed to accept personal calls at work. Nevertheless, the debt collection agency continued to call our client’s workplace.

This lawsuit charges that Medicredit violated the Fair Debt Collection Practices Act (FDCPA) by contacting our client as her workplace, knowing that his employer prohibited such calls; by engaging in harassing behavior; and by using unfair and unconscionable means to collect a debt.

October 1, 2015On behalf of our client, Lemberg Law recently filed a complaint in U.S. District Court, District of South Carolina. The case, against Medicredit, charges the debt collection agency with violating the Telephone Consumer Protection Act, and asks for $500 to $1,500 for each robocall, plus other relief.

Our client was understandably annoyed when she started to get debt collection robocalls on her cell phone. After all, who wouldn’t get frustrated when they picked up a call, only to hear an automated voice telling them to hold for the next available representative? At one point, our client says that she asked this debt collector to send her a written letter about the debt and to stop calling her cell phone. But that didn’t stop them. Our client says that they called 19 more times.

The lawsuit charges that Medicredit violated the TCPA by robocalling our client’s cell phone.

Medicredit Inc 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 Medicredit 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.

Stop Debt Collection Harassment

You may have a case, if…

  • You are receiving multiple calls per week from third party collection agencies.
  • You are receiving early morning or late night calls from debt collectors
  • You are receiving calls at work from a debt collection agency
  • Debt collectors are calling your family, friends, neighbors, or coworkers
  • Collectors are threatening you with violence, lawsuit, or arrest
  • A debt collector attempts to collect more than you owe
  • You are being threatened with negative credit reporting
  • A debt collector attempts to intimidate you
  • Criminal accusations are being made towards you
  • Use of obscene language during an attempt to collect
  • Automated robocalls are being made to your phone in an attempt to collect

What Our Clients are Saying

“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.”

Can You Help Me Delete Medicredit Inc from My Credit Report?

Chances are good that we can help.  Call us today and we’ll explain.

Share your story

Have you had a bad experience with this agency’s debt collectors? Sound off and share your experience with other visitors in the comment box below.

Sergei Lemberg

About the Author:

Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."

See more posts from Sergei Lemberg
  • Ann M

    Medicredit Corp called and left me a message on my voice mail that I owed money and they were a debt collector. 1-800-823-2518. They said they were calling on behalf of HCA Medical Houston. I called HCA Medical Houston. I do not owe or have a balance with them and I haven’t been there in 20 years.. I called back Medicredit Corp. They asked for the number I was called on. She gave me a Paula XXXXX, they actually gave me her full name. They said they made a mistake and would take my phone number off the call list. We will see.

  • Michele S

    Medicredit sent me ONE collection notice in May 2019. I made a payment of $10 to come to an agreement to pay it off monthly. They never contacted me, (had the wrong phone number in their database) and no other letters to negotiate the payment terms. By July 21, 2019, they dinged my perfect credit score. I called them and we came to the terms of $185/month or pay it off (40% discount) today. I would have agreed to either term, instead of them not contacting me and ruining my credit. They cannot guarantee that they can fix my credit now. I opted for the 40% payoff discount but my credit is tarnished now. Thanks for nothing Medicredit.

  • Alfredo Z

    I get several calls per week from medicredit on behalf of Christus Jasper. The issue is they are looking for someone who apparently had the number before. I have talked to them and they have said my number would be taken off their call list only to have them call me again. I tried to call them today but they hung up on me.

  • John G

    I’ve been turned into medicredit for my medical bills remove on health, Wake Forest, possibly even Stokes County where I live I’m not exactly sure who all has turned me in do this agency. This collection agency calls me a lot sometimes two or three times a day some days. Recently they called me at 11:30 on a Friday night do which I’m aware of that being classified as a harassment. I’ve spoken to these Representatives a few times, and explain there’s no way I can pay the medical bills and they pretty much ignore me I say they’ll put it in the nights but then the robocall or whatever continuously calls me is there anything that can be done against this company for harassment?

  • Michael L

    I haven’t been to the hospital in 8 years yet I have a debt from them that messed up my credit after a long year of getting it good

  • Dona W

    Also after reading the complaints about being overcharged, it’s also been done to me. I have been overcharged $142.00.

  • Dona W

    I have two. One was the calls. I received call from these people demanding the full amount when the hospital and I had set up a monthly payment plan which I paid timely. On the 5th call, when I explained that I could not make the full payment and that I was paying monthly as set up by hospital, the agent then proceeded to threaten me by stating that they were going to damage my credit. They did, three months after the call.

  • Todd A

    This is 3 time that I have a problem with them, in over bill that I did not receive from Lewis Gale

  • Todd A

    They sent me another bill from Lewis Gale Physicians. It is $10.00 more than it should me, my payee sent Lewis Gale a bank draft for $10.00 last month, it should be $11.47, not $21,47!

  • Todd A

    Lewis Gale has turned me over to them, I did not get a bill from them for $78.89, nor for $200.77.

  • Legal n

    Phone calls during business hours to my cell phone (duplicate or triplicate info from chat) If there are any blemishes on my credit report, although I can do it, I wouldn’t mind paying a fee for you to intervene through the 3 major credit bureaus at all. They’re interrupting my work time for a bill that was long paid through the Hospital – Integris, where I had a colonoscopy in Oklahoma City. Sorry for all the inquires. Just wanted to make sure you saw this.

  • Edna L

    Medicredit,,keeps call me for my estranged husband Ive told them he does not live here the’ve called three times one being today.. I asked a Brian a supervisor were their corp was he claimed he didn’t know. I gave time and date on a supposed recorded line told them that I would get someone to sue for the three unwanted calls..

  • darryl j

    medicredit charged me 2 times for medical services and i had medical already over 2.600 also ruined my credid

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