We Help Stop Mountain Land 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

Mountain Land
Mountain Land Collections Inc or MLC 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 Mountain Land Collections?

Mountain Land Collections , Inc. (MLC) is a third-party collection agency based in Utah that specializes in collecting delinquent healthcare bills. MLC has received consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA), such as illegal communication tactics and failure to verify debts. If you have been contacted by MLC, understand your rights before responding.

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

Our services are absolutely FREE to you.

The harassing company pays our fees.

Is Mountain Land Collections a scam?

They’re legit. According to the Better Business Bureau (BBB), Mountain Land Collections, Inc. is a legitimate collection agency, founded and incorporated in 1991. The BBB established its profile page in 2007. Buzzfile estimates MLC’s annual revenue at $2.8 million and the size of its staff at 33 people.

According to its website, MLC “is a fully licensed and bonded collection agency specializing in debt recovery… with a strong commitment to excellent service for…clients.” MLC’s goal is “to make your collections a simple and stress-free process, [and] to provide the technology and expertise necessary to obtain the highest possible returns for your organization.”

Who does Mountain Land Collections collect for?

Mountain Land Collections full-service collection division offers the following services for healthcare providers: an early out program; a regular collection process; litigation services; credit bureau reporting; custom insurance billing; and a full-service client relations department.

MLC’s early-out program works with their subsidiary, Account Billing & Management (ABM). ABM acts as a first-party billing service for medical providers, sending billing notifications to insured parties to provide a customized strategy for your Early-Out patient accounts.” Their third-party collection division utilizes letters, phone calls, skip tracing, and credit bureau reporting to collect delinquent accounts. MLC partners with the Law Offices of Quinn M. Kofford to litigate accounts “needing a more escalated collection process.” Their insurance billing and client relations departments provide additional customized support for healthcare administration.

MLC describes itself as “a model agency adhering to state and federal regulations including…[the] FDCPA (Fair Debt Collections Practices Act), FCRA (Fair Credit Reporting Act), TCPA (Telephone Consumer Protection Act) and HIPAA (Health Insurance Portability and Accountability Act), just to name a few.” However, they do not provide links to consumer protection resources, laws, or 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 Mountain Land Collections – MLC?

The BBB has closed 21 complaints against Mountain Land Collections in the past three years, with 5 closed in the past twelve months. Most of those complaints allege problems with billing and collections. Since August 2015, the Consumer Financial Protection Bureau (CFPB) has received 15 complaints about MLC. Justia lists at least 2 cases of civil litigation naming MLC as a defendant.

Contact Information

Mountain Land Collections, Inc.
PO Box 1280
American Fork, UT 84003
Telephone:(801) 492-1596
Website: http://www.mountainlandcollections.com/

Can Mountain Land Collections 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 MLC 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 Mountain Land Collections Inc – MLC?

Absolutely. Here are some Sample Complaints

Complaints against Mountain Land Collections indicate a pattern of attempting to collect debts that have already been paid, then reporting negative items to the credit reporting agencies when consumers object. For example, in May 2017, a complainant indicated that she had been contacted regarding a medical bill of $800 resulting from a car accident her son had been involved in, in which he had not been at fault. The other driver’s insurance had paid all the associated medical expenses. The complainant sent verification to MLC, including a contact at the insurance company to verify the claim. Regardless, MLC insisted that the complainant must pay even after she sent them a copy of the cancelled check for the debt in question. Subsequently, MLC placed a negative item related to the incident on her credit report that prevented her from obtaining a mortgage. All her requests to correct the error were ignored. MLC replied to the complaint posted on the BBB site by stating that they “requested this outstanding account be removed from [her] credit report…[and] submitted an electronic request as well as… a Universal Deletion Form, and a letter will be sent to the address on file stating we have requested the account be removed while we research further.”

Similarly, in August 2016, a complainant who had had emergency surgery reported having the associated costs covered by medical insurance. Regardless, about six months following the operation, she received a bill from MLC demanding she pay an outstanding balance. She contacted the healthcare provider, who confirmed that the bill had been paid. The healthcare provider also contacted MLC and confirmed that the bill had been paid. Nonetheless, MLC proceeded to report the bill as a delinquency on her credit report, and MLC allegedly refused to remove the item, even after they had confirmed that the bill had been paid. The posting of the complaint on the BBB site finally prompted MLC to reply that “[w]e will request this item be removed from your credit report while we continue our research.”

Mountain Land Collections MLC 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 MLC 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

“With your help the nagging collection calls have ceased! I was thrilled I was also able to get damages from the collection agency. I am unable to adequately express my joy. I am so thankful I made the call.”

“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.

“After speaking to one of the partners, and going over the plan of action, I felt I’d chose the perfect company to go to work for me. He was very accommodating in describing what was going to happen. I would strongly recommend Lemberg Law to anybody being hassled by debt collectors”

Can You Help Me Delete Mountain Land Collections Inc – MLC 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
  • Jeremy M

    Violation of ethics, and FDCPA.
    Caller by the name of Heidi Ann, verbally harassed and slandered me while on the Bluetooth in my vehicle.
    What started as a simple conversation, quickly became a personal slander. I simply explained that our divorce decree requires divorce billing department. I have already paid my 1/2, the due amount goes to the other parent. I typically need to reject the full invoice, state the decree is on record. Then I get a new bill few weeks later that has my due amount split 50/50. This explanation didn’t suffice the agent, nor did she decide to have an objective assessment of the situation. Immediately started with a personal attack about why I’m not willing to pay for my daughter’s medical bills, because I should be paying for them as a father. My son was in the car with me, and immediately had to hang up the phone because he was feeling worried about how this agent raised their voice and got angry with me. I called back and asked for a supervisor, and requested a copy of the business code of ethics policy for the business. Supervisor hesitated, and said she didn’t know if the company even had anything like that available. But she will need to check with her supervisor and would email it if they had a copy of it. I requested a ceased and desist for future calls.

  • Alexander C

    I had a medical issue on the 20th of January 2020, I paid the copay and also provided the insurance. The hospital dropped the ball and did not make any claims to the Insurance Company. And the hospital told me everything was okay on their end when I call them either on my phone that I am using right now or using a Gmail provided phone line that I had access to back then. Can’t remember which. However I could say this I had no idea about any of the phone calls that they say that they made, any of the letters that they say that they sent or any other Communications that they gave me or they State they gave me. I had no idea until the Constable came to our door and served me papers. I did what research I could do that night and I also did quite a bit of research the following day even calling the insurance company and finding out that there was no claim made at all. I then brought this to the Mountain Land collections agency attention and they gaslit me and more or less called me out for being a liar and they tacked on some money that is really outrageous and said that I was making $25 an hour working at an employer that I haven’t worked for for 9 plus years and I’m making $10 an hour where I am now getting minimum part-time hours and they called me out for being a liar on that. And today they used my Gmail to send my phone a untraceable call and told me that if I did not sign a contract that they sent me that I would go to jail tonight.

  • Jake H

    A year after we had fully paid for my surgery through insurance Revere Health contacted us to tell us we owed $200 for something they “forgot“. My wife went through the bills and explained to them that they told us how much it cost and we paid it. They agreed and said they would cancel it. Then they hit us up again six months later. We explained their mistake to them. Next thing we know we have Mountain Land Collection sending us letters and phone calls.

  • Scott M

    I have never spoken to or heard of mountain lands collection, and they recently put a negative mark on my credit and are charging interest on something I am willing to pay, but don’t know where it’s from, what it’s about or if it’s even if it’s a valid debt. Please help!

  • AL

    I receive numerous calls from Mountainland collections. I have hospital bills from Intermountain Healthcare and from Revere Health. I am willing to pay or make arrangements, however, I do not agree that they call almost every day. I trusted Intermountain Health Care with my personal information like Date of birth, address, phone number, and workplace. They gave that information to Mountainland collections. What about HIPPA privacy? Intermountain Healthcare is a non-profit organization which means that they do not pay taxes, and the bills are very high and are separate from doctors and imaging.

  • Brittany L

    I am getting repeat calls that I haven’t paid a bill that’s been paid now for months. I am so frustrated with their lack of customer service, how rude they are, the fact that they call me WHILE I’M AT WORK, and are so rude. I want their calls to stop!

  • Ben

    I have just checked my credit report and surprisingly, I saw the debt collection from Intermountain land. I have no idea what it is. I will try to find out the truth and fight it

  • Aimee E

    I just noticed three charges from this collection agency. As of March 15, 2018 they were not on my credit report and I have not had any new medical bills or outstanding debts. My credit has no late payments. They call at least four to five times a day and never reference what the debt is for. I know that I do not have three outstanding debts and I would like to have their claim removed immediately as my credit went from good to poor just for their claims which I have no idea what they are for.

  • Ondra

    I had an accident in Dec. 2013. I have a list of the medical facilities, which were settled and paid by my attorneys, In Early 2017 and then money was withheld for any that had not been paid for an additional 6 months. This company St George radiology, had turn the bill over to Mountainland and I immediately turn over to my attorney. Never was I contacted after given the bill from this company, but they agreed to wait for settlement.

    Now I am being sued, by Mountainland for St George Radiology, who has been paid.

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