Medical Financial Solutions


Is Medical Financial Solutions hurting your credit score?

Schedule a free credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

Who is Medical Financial Solutions?

Medical Financial Solutions, Inc., also known as Accretive Health, Inc., or R1 RCM, Inc., is a third-party collection agency with its headquarters in Kalamazoo, Michigan. The company is engaged in the task of collecting overdue payments from individuals on behalf of various organizations.

If you see Medical Financial Solutions listed on your credit report as a collections account, it signifies that the company has been assigned to recover an unpaid debt that you owe.

Who does Medical Financial Solutions collect for?

Medical Financial Solutions primarily focuses on debt collection for the healthcare sector. Their primary clients are hospitals and health centers. This can include debts arising from a variety of services ranging from routine medical check-ups to complex surgical procedures.

Is Medical Financial Solutions legit or a scam?

Medical Financial Solutions 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 Medical Financial Solutions from my credit report?

Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(While debt collectors may not want this information to be widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services work with people who want to get their credit back on track.

In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

Medical Financial Solutions Contact Information


Medical Financial Solutions
225 N Rose St.
Kalamazoo, MI 49007

Mailing address:

Medical Financial Solutions
PO Box 50871
Kalamazoo, MI 49005

Phone number: (877) 240-6408 or (269) 216-5004

Should I contact or pay Medical Financial Solutions?

Before contacting a debt collection agency, verify that the debt is legitimate and accurately reported. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.

The most effective way to deal with Medical Financial Solutions is to work with a credit repair professional. They help remove millions of negative items every year from companies like Medical Financial Solutions on behalf of their clients.

Will Medical Financial Solutions sue me or garnish my wages?

Medical Financial Solutions does have the ability to sue you for the unpaid debt. If they win the lawsuit and a court judgment is issued against you, they might have the legal right to garnish your wages or seize assets, depending on the laws of your specific state.

However, keep in mind that suing is usually a last resort for debt collection agencies due to the time and expense it involves. In most cases, these agencies would prefer to work out a payment plan or settle the debt for a lesser amount.

Medical Financial Solutions Complaints

Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed by Medical Financial Solutions, you should also 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 the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Medical Financial Solutions

Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

  • It is a violation of federal law for Medical Financial Solutions 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • Medical Financial Solutions may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Medical Financial Solutions must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
  • Medical Financial Solutions cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Medical Financial Solutions From Your Credit Report Today!

Credit Saint can assist you in disputing Medical Financial Solutions accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.