How to get a Medical Bill Collector off your Back


We have all been through the stressful and time consuming hassle of receiving a “medical bill” four or five months after  treatment from some unknown doctor who we never have seen face to face. This unknown physician jumps in on the feeding frenzy trying to charge you for his services or expertise. Also, it is well known that physicians will over bill insurance company for service they provided you and unfairly bill patient for the difference in what they over billed and what the insurance company actually pays the greedy doctor. Remember many docs are inundated with medical school debt and don’t minding casting out tons of questionable bills hoping to hook an honest person who does not know the difference between a legitimate bill and a questionable one.

If you believe you have received a bill that was of ill or fraudulent intentions, just follow the the general form or template I created in a letter I sent to a bill collector who had been sicked on me by an unscrupulous health care provider.


Dear Collection Entity,

Please be advised that your correspondence concerning my alleged debt to Health care provider has been forwarded to an attorney who specializes in vigorously quashing erroneous claim attempts by unethical doctors.

I copayed for all health services provided by Health care provider. My company insurance covered the rest. I also never received any type of bill for the balance in question.

 I detest having to spend a single minute of my time dealing with this erroneous and deceptive collection attempt which speaks to your lack of due diligence regarding the validity of said attempt.

 Please send me Health care provider’s address per my attorney’s request.


Pissed off and irritated consumer

Understand, that this general format put a stop to the harassing snail mail and telephone collection attempts. Follow the letter as closely as you can step by step and you can look forward to supper with your family without annoying interruptions from ravenous bill collectors. You will also avoid hits to your credit score as ignoring these collection attempts will eventually damage your credit score.


2 comments on “How to get a Medical Bill Collector off your BackAdd yours →

  1. OMG does that really keep medical bill collectors from harassing you?!

    I used to work in a call center for a health insurance entity and want to leave a sampling of the nightmare called USA health insurance:

    1. I owe a hospital over 2,000 dollars. All for only an iv and some Benadryl. I had a migraine, and usually I can waith them out, but this one was so painful I was contemplating considering suicide. No joke. I went to the ER, they treated me like a junkie, wouldn’t give me any good pain meds and just gave me some Benadryl in an IV. It will be a LONG time before I can afford to pay it off.
    This was WITH health insurance, btw.

    2. Three years ago, I had surgery on my hand because I had a croquet mallet fracture my index finger and the bone fragment twisted while attached to the tendon. The corrective surgery involved rotating the fragment back into place with pins and then leaving those in for two weeks so ossification could take place. The cost of the surgery was, predictably, in the $15,000 range. The insurance covered around 60% of it. But what amazed me most was that when we removed the pins from my ring finger, it cost $6,500. JESUS? It was no more than five minutes with a doctor (not even the surgeon) and a set of pliers! Also insurance claimed it was “cosmetic” so they wouldn’t pay for the removal of the pins. SCREW the USA and leader that allow this CRAP to happen!!!.

    1. As a former postman with natural hip problems, I would like to share this with your readers:
      I was employed as a postman/driver/sorter. I have been healthy ALL my life, but was alarmed when I went to my GP complaining of no sense of smell. I was referred to a surgeon and surgery was recommended, I was given a prescription for Prednisone, a steroid, this gave me some sense of smell.So, I had the operation and still could not smell, so more Prednisone(steroid), which appear have caused my Osteo-Necrosis. This is a nasty condition where the heads of the long bones die, so have now had core decompression on one hip and the other totally replaced. I am not blaming the steroids completely for my hip degeneration. I was a postman well before proper foot ware and walking techniques were espoused by the USPS

      So, of course, Oxycontin was prescribed for the painful bone on bone agony I was experiencing: While awaiting the scan results I was given oxycontin for pain relief, this seemed to be effective for 2 weeks, 10mg 2x a day, then things hurt again so up the dose went 20mg 2x a day, then 40mg 2x a day, then 80mg 2x a day and up to 120mg 2x a day. I am sure there are fellow postmen out there who can relate.

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