It is possible to fall into a debt collector scam. If you are not careful, you could end up paying more than you owe or settling a debt that is not yours. This is why the Fair Debt Collections Practices Act (FDCPA) makes it possible for consumers to request debt verification from a debt collector before making payments. You can do this through a debt validation letter.
A medical bill debt notice should be treated with the same causation. If you have any reservations about the bill, you should ask that the hospital or healthcare professional verify it. This involves sending you evidence that you owe the stated amount and have to pay it.
Here is all you should know to draft an effective Debt Validation Letter for Medical Bills.
A debt validation letter is your chance to have a questionable debt verified. Within 30 days of receiving a debt notice, use the letter to request the following from the debt collector:
- Proof of the debt.
- Proof that you are the debtor
- Prof that the collection agency currently holds the debt
- The amount owed and account number
- Contact information of the original creditor, in this case, hospital or healthcare provider
- Copy of a contract you signed that make you legally obligated to pay the debt
- A statement concerning statute of limitation
- The collector’s license information
Debt Validation Letter for Medical Bills (Format)
{Date}
{Collection Agency Name}
{Collection Agency Address}
{City, State, Zip Code}
Re: Debt Validation for Medical Bills {Invoice Number}
Dear Sir/Madam,
I am writing this letter in response to the {phone call/letter} I received from your agency on {date}. You mentioned that I owe the {name of hospital/healthcare provider} {amount} in medical bills. Under the Fair Debt Collection Practices Act (FDCPA), I have the right to seek verification of this debt.
Pursuant to this right, I am writing to request the following information:
• The name and address of the {hospital/healthcare provider}
• The account number
• The amount owed
• Verification that you are licensed to collect this debt in my state
I would also like details about the age of the debt and a copy of the last billing from the {hospital/ healthcare provider}. Please show that the debt is indeed mine and within the statute of limitations.
As per my rights, I will ignore any future collection attempts unless I receive a debt verification notice from your agency.
I will also be forced to take legal action if you continue supplying invalidated information to the {credit bureau name}.
You can reach me at {email address}. I look forward to a speedy resolution to this matter.
Thank you for your time and compliance.
Sincerely,
{Your Name}
{Your Signature}
Sample Debt Validation Letter for Medical Bills
6 October 2020
Grounds Debt Collectors
456 Down Boulevard
Jersey City, NJ 67890
Re: Debt Validation for Account 56789G
Dear Sir/Madam,
I received a debt notice from your agency on 4 October 2020. The notice states that I owe MediHeal Medical Center a debt of $3,670 in medical bills. Pursuant to my rights under the Fair Debt Collection Practices Act (FDCPA), I am writing to request validation of this debt.
Please supply me with the following details:
• The name, address, and contact information of the original creditor
• The account number
• The amount owed
• Verification that you are licensed to collect this debt in my state
• Proof that I am indeed the party you are asking to settle the debt
• Evidence that I am contractually obligated to pay the debt
Please note that this is a validation request made pursuant to 15 USC 1692g Sec. 809 (b) of the FDCPA. If you cannot prove that I am legally obligated to pay you, I urge you to cease reporting this debt to credit bureaus. Otherwise, I will be forced to take legal action against your agency.
Thank you for your time.
Sincerely,
Timothy Colin
Debt Validation Letter for Medical Bills (Word Template)
Thanks to the FDCPA, you never have to settle a debt if you have doubts about it. A Debt Validation Letter for Medical Bills should get you the verification you need to validate the debt. If the hospital or doctor fails to respond, any future collection efforts will be deemed illegal.
When drafting your letter, remember to use polite and professional language. State your request without sounding aggressive or rude. That said, you should include a statement asserting your consumer rights under the FCDPA.
Finally, always include your current address so you can receive a debt verification notice from the collection agency.
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