MED-1 Solutions on Your Credit Report: What to Know

MED-1 Solutions, LLC is a Greenwood, Indiana healthcare debt collection agency with an in-house legal team that files collection lawsuits directly. A 2015 FDCPA case alleged the agency filed a collection lawsuit against a consumer in the wrong Indiana county. A documented BBB complaint describes a consumer receiving a wage garnishment subpoena without any prior notice of the debt or the court date.

Who Is MED-1 Solutions, LLC?

MED-1 Solutions, LLC is a third-party healthcare debt collection agency founded in 2003 in Greenwood, Indiana. The company employs between 51 and 200 people with estimated annual revenue around $29.8 million. MED-1 is BBB-accredited since 2017.

MED-1 operates with an in-house legal team whose sole practice is healthcare collection law. This distinguishes it from most collection agencies: MED-1 can and does file lawsuits directly as part of its standard collection process.

Who Does MED-1 Solutions Collect For?

MED-1 focuses exclusively on healthcare receivables. Confirmed clients from court records and published sources include:

• St. Vincent Hospital and Health Care Center: Multiple court cases specifically name St. Vincent as the original creditor on MED-1 accounts.
• Hospitals, physician groups, clinics, and specialists broadly: MED-1’s published service descriptions and court records confirm healthcare providers across Indiana and surrounding states, including Deaconess.

Documented Federal Cases Against MED-1 Solutions

MED-1’s in-house legal team has generated a documented federal case record covering three distinct issues:

Kelley v. Med-1 Solutions, LLC (7th Circuit, 2008) — Med-1 filed approximately 4,415 small claims lawsuits in its own name as plaintiff while not owning the underlying debt, and demanded attorney fees in virtually all of those cases. The Seventh Circuit affirmed dismissal on jurisdictional grounds, but the case documents Med-1’s high-volume direct litigation model.

2015 Wrong-County Filing (S.D. Indiana) — An FDCPA lawsuit documented Med-1 filing a collection lawsuit in Marion County small claims court when the consumer lived in Boone County and received services in Hamilton County. FDCPA Section 1692i requires lawsuits to be filed in the county where the consumer lives or signed the contract. Filing in a different county is an explicit violation designed to prevent consumers from defending themselves.

Robbins v. Med-1 Solutions (7th Cir., No. 20-1343, 2021) — The Seventh Circuit ruled in Med-1’s favor, finding that Med-1 could add attorney fees to a medical debt because the original hospital contract required payment of all collection costs. Review your original hospital financial agreement: if it contains broad collection cost language, MED-1 may have contractual authority to add attorney fees to your balance.

Common MED-1 Complaint Patterns

BBB and consumer review records surface specific recurring issues.

• Wage garnishment without prior notice or court date notification: A documented BBB complaint describes a consumer receiving a wage garnishment subpoena as their first notice of a $1,200 debt. The consumer had never received a collection notice and was not informed of the court date, resulting in a default judgment with no opportunity to appear.
• Refusing to re-send validation documentation: A documented consumer account describes MED-1 claiming it had already sent documentation and refusing to send it again. FDCPA Section 1692g requires collectors to produce documentation in response to a written validation request regardless of prior delivery claims.
• Continuing collection after direct payment to the original provider: A documented 2024 BBB complaint describes MED-1 continuing to collect on a Deaconess balance after the consumer paid the hospital directly.

What MED-1 Cannot Do Under Federal Law

• File collection lawsuits in the wrong county: FDCPA Section 1692i requires collection lawsuits to be filed only in the county where the consumer currently lives or where they signed the original contract. The 2015 case established this as a documented Med-1 filing practice worth challenging.
• Collect on debts paid directly to the original provider: Payment to the hospital satisfies the underlying obligation. MED-1 continuing to collect after a confirmed direct payment is a documented recurring complaint.
• Continue collection after a written validation request: All activity must pause until MED-1 produces documentation, regardless of whether it claims to have already provided it.

Review Your Hospital Financial Agreement

Review the financial agreement you signed at the hospital before paying any MED-1 balance that is higher than your original bill. If the agreement contains broad collection cost language, MED-1 may have contractual authority to add attorney fees. If it does not, demand written documentation of the basis for any additional charges.

Verify Before Paying MED-1

Send a certified validation letter demanding the original provider’s name, the original itemized bill with CPT codes, the insurance Explanation of Benefits, proof insurance was billed before referral to MED-1, and the contractual language from your hospital agreement authorizing any attorney fees or collection costs. If you have already paid the original provider, include proof of payment and demand immediate collection cessation and credit bureau removal.

How to Check Your Credit Report

Pull all three reports at AnnualCreditReport.com and look for MED-1 Solutions as the furnisher. Confirm the original provider, service date, and balance. Paid medical balances and balances under $500 should not appear under current bureau voluntary policies. Dispute any such entry directly with each bureau.

How Long Can MED-1 Legally Pursue the Debt?

Indiana allows six years on most written contracts including medical service agreements.

Your Options for Resolving the Account

• If you received a garnishment subpoena without prior notice, act immediately: A judgment obtained without proper notice is grounds for a motion to vacate. Contact an Indiana consumer attorney.
• Verify the county of any lawsuit: If MED-1 files or threatens to file in a county other than where you live or received services, that may be an FDCPA Section 1692i violation.
• Demand documentation regardless of prior claims: Send a fresh certified validation letter and require a written response even if MED-1 claims prior delivery.
• Produce direct-payment proof: If you paid the original hospital directly, send MED-1 a certified letter with proof of payment and demand collection cessation and credit bureau removal.

How to Contact MED-1 Solutions

Handle all communication in writing. Send disputes by certified mail with return receipt requested:

• Address: MED-1 Solutions, LLC, 517 US-31, Suite 600, Greenwood, IN 46142
• Phone: (888) 323-0811

Bottom Line

MED-1 Solutions backs its collection process with an in-house legal team and files lawsuits directly. The 2015 wrong-county FDCPA filing, the documented wage garnishment without prior notice, and the Seventh Circuit ruling that attorney fees can be added if the hospital contract authorizes them are the three things to understand before engaging.

If MED-1 files a lawsuit, verify the county. If you received a garnishment without prior notice, contact an Indiana consumer attorney immediately. If your balance is higher than your original bill, demand the specific contractual language authorizing the additional charges.

If a MED-1 account is on your credit file, the right move depends on whether insurance was properly applied, whether you have already paid the original provider, and whether MED-1’s collection conduct followed the geographic requirements federal law requires.