Who is MEDCAH?
MEDCAH, Inc. is a debt collection agency based in Kailua, Hawaii. Their primary role is to assist businesses in collecting debts that have remained unpaid despite previous attempts by the creditors.
If you see MEDCAH listed on your credit report as a collections account, it indicates you have an outstanding debt that’s been transferred to them for collection. This typically occurs when a bill remains unpaid for an extended period.
Who does MEDCAH collect for?
MEDCAH specializes in debt collection for a range of sectors, particularly in the healthcare and public service industries. They work with dental and medical practices, emergency medical services, hospital and medical centers, and rehabilitation facilities to recoup unpaid patient bills.
They also assist laboratory & diagnostic services and radiology & imaging services in collecting their due payments. Beyond healthcare, MEDCAH provides its services to state & city agencies, as well as telecommunications & utility companies, collecting overdue debts on their behalf.
Is MEDCAH legit or a scam?
MEDCAH is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.
How can I remove MEDCAH from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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MEDCAH, Inc. Contact Information
Address:
MEDCAH, Inc.
320 Uluniu St. Ste #5
Kailua, HI 96734
Mailing Address:
MEDCAH, Inc.
PO Box 1187
Kailua, HI 96734
Phone number: (808) 266-2020
Should I contact or pay MEDCAH, Inc.?
Before contacting a third-party collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.
The most effective way to deal with MEDCAH is to work with a credit repair professional. They help remove millions of negative items every year from companies like MEDCAH, Inc. on behalf of their clients.
Will MEDCAH, Inc. sue me or garnish my wages?
MEDCAH, Inc. can legally file a lawsuit against you for the unpaid debt. If MEDCAH, Inc. wins a lawsuit against you, they could obtain a judgment. This judgment may grant them the right to garnish your wages or levy your bank account. Other methods of debt collection might also be used. However, what is allowed will depend on the laws in your state or jurisdiction.
However, it’s important to note that initiating a lawsuit can be a time-consuming and costly process for collection agencies, and it’s not always their first choice for collecting a debt. Often, they may prefer to negotiate a payment plan or a settlement.
MEDCAH, Inc. Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with MEDCAH, Inc.
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for MEDCAH to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
- MEDCAH cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- MEDCAH must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- MEDCAH cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove MEDCAH Collections From Your Credit Report Today!
Credit Saint offers assistance with disputing MEDCAH collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
