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Here are some frequently asked questions from our Consumers:

No, MEDCAH is a legitimate 3rd party collection agency.  We are a registered corporation in Hawaii and have been serving Hawaii creditors since 1974.   MEDCAH is a member of ACA International, the Association Credit and Collection Professionals since 1975.   We are proud to be a member-in-good-standing of the Hawaii Better Business Bureau since 1992.  Our employees are trained to be compliant with collection and privacy laws and policies.  We strive to be courteous and helpful to consumers who wish to work with us to resolve their outstanding debts.

We are contacting you because one of our creditor clients has referred an outstanding debt of yours for collections.  If you believe you are being contacted in error, please let us know and we will verify the debt and provide you with validation of the debt.  You may communicate with us via this website, if you prefer.  You may speak with one of our account representatives.  Our business hours are Monday – Friday 8am – 5pm Hawaii time.  Our phone number is 808-266-2020 (select option 1.)

There are several reasons this may be true.  Sometimes creditors change their business names, as when there is a merger, for example.  It is also possible that you know the medical provider by your doctor’s name, but the billing is under their corporate name or clinic name.  In these cases, the debt is still legitimate.  However, if you still believe the debt is not yours, please contact one of our representatives so that we can sort it out.  Our collectors are here to help you.

Contact us so that we can work together.  We can confirm with our client, for example, that all the appropriate medical insurance claims were filed on your behalf.  Our representatives will work with you to create a repayment plan that is manageable for you and fair to the creditor client.

Yes, simply click here to make an online payment.  (Note:  there is a small convenience fee.)

If you owe money to a creditor, it is your responsibility to pay the debt.  It is never a good idea to ignore a valid debt that has been placed with a professional debt collector.   Doing so can affect your credit and potentially incur additional fees and interest.  Eligible debts that remain unpaid can result in the creditor having little choice than to take legal action.  This may result in additional costs to you and possible wage garnishment.  Work with the collector to learn of the various options we have made available to you to make your payments.

Professional collection agencies are governed by multiple federal and state laws and regulations.  These laws are in place to protect you as a consumer while providing guidance to the professional debt collector to collect monies rightfully owed to the creditor.  Some of the laws, regulations and governing bodies include:

  • Fair Debt Collection Practices Act (FDCPA)
  • Fair Credit Reporting Act (FCRA)
  • Telephone Collection Practices Act (TCPA)
  • Consumer Financial Protection Bureau (CFPB)

Statute of limitations vary from state to state and depend on the type of debt.  Old accounts can be collected, however, out of statue debts may not be sued.

A few things that indicate that you have been contact by non-professional include:

  • The collector threatens you with criminal charges. A professional debt collector would not threaten to have you arrested, ever.
  • The collector refuses to give you basic account information.
  • The collector refuses to give you the collection agency name, mailing address or phone number.
  • The collector asks you for sensitive financial information.

Medical providers often file an insurance claim as a courtesy to the patient, however it is always the patient’s or guardian’s responsibility to follow-up with their insurance company if they believe that the insurance company didn’t pay or didn’t pay enough.  This is true regardless of the insurance company (HMSA, HMA, Medicare, QUEST or VA).

Insurance companies provide a statement to the insured person called an Explanation of Benefits (EOB).  This statement describes the benefits (payment or non-payment) from the insurance company based on the services you received, and the coverage allowed by your policy.  Questions about the EOB should be addressed directly to your insurance company.

Most medical insurance policies will only pay AFTER all No-Fault insurance benefits have been exhausted.  It is the responsibility of the patient (or guardian) to work with their no-fault insurance carrier and their medical insurance company to get the benefits (payments) allowed by the insurance policies.

There are very strict laws to protect workers if they get injured at work.  Procedures must be followed by both the worker and the employer.  The injured worker should contact their employer about benefits under the employer’s workers’ compensation policy.  The State Department of Labor is a good resource for additional information.

The best thing to do is to call MEDCAH to discuss the matter.  Our business hours are Monday – Friday 8am -5pm.  Our phone number is 808-266-2020 (select option 2.)  A representative will be able to answer your questions.

Wages garnishments are awarded and set by the courts. The best thing to do is to call MEDCAH to discuss the matter.  Our business hours are Monday – Friday 8am -5pm.  Our phone number is 808-266-2020 (select option 2.)  A representative will be able to answer your questions.

Here are some frequently asked questions from our Clients:

No, there is no requirement to inform the consumer prior to assigning an overdue account to collections.  This is an urban legend, as is the notion that an account can’t be placed for collection if the consumer is paying something ($1 per month, for example.)

Please contact our office and we will answer all your questions.  Our business hours are Monday – Friday 8am – 5pm.  Our phone number is 808-266-2020 (select option 3.)

We do not have a minimum dollar amount that we will accept for collections.  This is a business decision for our clients.  However, depending on your industry, we can offer some recommendations.  Please contact us to discuss.

Yes, we can help you collect from consumers residing outside of the US.

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