Serving Colorado — licensed & bonded
Medical Debt Collection Agency in Colorado
MSB is a leading medical debt collection agency in Colorado.
Colorado at a glance
Collection agency license required through the Colorado Collection Agency Board.
Leading Collection Agency In Colorado
Debt recovery has become increasingly complex. Since 2023, interest on medical balances is capped at 3 %, credit-bureau reporting is heavily restricted, and hospitals that fail federal price-transparency rules lose collection leverage. Midwest Service Bureau (MSB) provides a Centennial-State workflow that recovers self-pay balances efficiently, ethically, and in full regulatory compliance. With 55 years of medical billing collections expertise and analytics-driven insights through our Expert Analysis portal, we turn aging accounts receivable into predictable cash while protecting your hospital’s or clinic’s reputation.
MSB integrates with Epic, Cerner, and Meditech Self-Pay Recovery. From initial account review to final payment posting, every step in medical debt collection complies with HIPAA security standards, CFDCPA licensing, and state-specific statutes.
Initial notices are mailed within 24 hours and include the required HB 23-1126 disclosure regarding credit-reporting limitations. Outreach via phone, SMS, email, and secure portals adheres to Colorado’s 8 a.m.–9 p.m. contact window and weekly frequency rules. Patients can self-manage zero-interest payment plans through our Early-Out Patient Collections portal, always respecting the 3 % statutory-interest cap.
Settlements, HSA draws, and payment-plan drafts post instantly to your PMS, with real-time dashboards tracking performance. All receipts and disclosures comply with CFDCPA and SB 23-093, completing a fully compliant debt recovery workflow.
Colorado medical debt collection is tougher than ever. Since 2023, the state has capped interest on medical balances at 3 % and banned credit-bureau reporting of most healthcare debts. Add a three- to six-year statute of limitations, strict licensing under the Colorado Fair Debt Collection Practices Act (CFDCPA), and hospitals that lose all leverage if they ignore federal price-transparency rules—one compliance slip can cost thousands. Partnering with Midwest Service Bureau (MSB) gives you a Centennial-State workflow that recovers revenue quickly and ethically. Our 55 years in healthcare collections, and analytics-driven Expert Analysis portal turn aging AR into predictable cash while protecting your brand.
Medical Balances We Recover
Hospital & Health-System Collections
- Emergency-room visits
- Inpatient admissions
- Outpatient procedures
- Surgical & diagnostic services
Physician-Practice Collections
- Office visits & specialist consultations
- Procedure fees & follow-ups
- Lab work & imaging services
Specialty-Healthcare Debt
- Dental care
- Vision services
- Mental-health counseling
- Physical therapy & rehabilitation
- Home-health nursing
Why MSB Is a Trusted Collection Agency in Colorado?
Improved Cash Flow for Colorado Providers
Our efficient recovery strategies help reduce aging receivables and stabilise cash flow for hospitals, clinics, and medical practices across Colorado.
You Only Pay When We Recover
MSB works on a performance-based model, meaning there are no upfront costs—you pay only when we successfully recover your medical debt.
Proven Medical Debt Recovery Results
With extensive experience in healthcare collections, we deliver consistent and measurable recovery outcomes providers can rely on.
Healthcare-Focused Collection Expertise
We specialise in medical debt, understanding billing complexities, insurance challenges, and patient sensitivities unique to the healthcare industry.
Transparent & Real-Time Reporting
You receive clear, real-time updates on account status, recovery progress, and performance metrics for complete visibility and control.
Compliance & Highest Professional Standards
HIPAA Data Security
MSB encrypts all PHI in transit and at rest, enforces role-based access, and mirrors Colorado’s 30-day breach-notice window (C.R.S. § 6-1-716). Immutable audit logs live in our HIPAA + FDCPA dashboard for instant inspection.
State-Specific Regulations
Every third-party Colorado medical debt collection agency must hold a state license and a surety bond of $12 000–$20 000, renewed each July 1. MSB’s collectors complete annual CFDCPA and HB 23-1126 trainings, ensuring every call is lawful and respectful.
Frequently Asked Questions
Six years for written contracts, three years for oral or open accounts. Any new payment or written promise restarts the six-year clock.
Rarely. HB 23-1126 bars reporting except on jumbo-loan credit pulls; MSB suppresses reporting in all other cases.
Colorado medical debt collection must comply with HIPAA, CFDCPA licensing, a 3 % interest cap, surprise-billing holds, price-transparency enforcement, and credit-reporting restrictions — stricter than typical consumer debt.
Review your itemized statement, compare charges with your Explanation of Benefits, and contact MSB within 30 days to dispute or arrange a payment plan.
Yes. MSB fully complies with Colorado Fair Debt Collection Practices and all applicable state and federal regulations.
Absolutely. We assist Colorado companies of all sizes with recovering overdue B2B accounts while maintaining professionalism and legal compliance.
Yes. You can request verification of the debt in writing. The collector must provide proof of the amount owed and the source of the charges before continuing collection activities.
Ignoring it usually leads to further collection efforts and possibly legal action within the statute of limitations. It’s better to respond, request verification, or discuss payment arrangements.
Get in Touch
Contact Us Today
Ready to improve your debt recovery? Contact our team for a free, no-obligation consultation.
Call (800) 362-0272