What is CF Medical LLC?
CF Medical LLC is a debt collection agency that helps hospitals and medical facilities recover unpaid debts. If CF Medical Collects shows up on your credit report as a collections account, you may owe money related to a debt for medical costs. Past medical debts like hospital or emergency room fees can add up, and if you haven’t been able to keep up with payments, your account could be in collections. You will want to address this negative strike against your credit. Read on and we’ll explain how to resolve CF Medical Collections accounts on your credit report.
Is CF Medical Collections a Scam?
If CF Medical has contacted you by phone or through the mail, you might question if the company is a scam. However, CF Medical LLC is a legitimate debt collection agency. They are based in Florida and registered with the Better Business Bureau, and hold an A+ BBB rating. According to the BBB, this means means they are trustworthy and make an effort to resolve any complaints against them.
Since CF Medical LLC is a real licensed business, you should respond to their attempts to contact you. And just because they contact you does not automatically mean you owe money or the debt is even yours.
But either way, a collection account on your credit history from this company can seriously damage your credit score. There are simple steps to take to clear CF Medical Collections from your credit report and improve your score.
Your Rights When Dealing With Debt Collectors
Firstly, it’s important to know that all debt collectors are bound by U.S. state and federal laws. The Fair Debt Collection Practices Act (FDCPA) safeguards consumers’ rights and makes sure collections agencies cannot take advantage of you. For instance, the FDCPA states that debt collectors can’t engage in abusive, unfair, or deceptive practices.
Specifically, here are key points to remember:
- It is against federal law for CF Medical, LLC or any collections agency to report inaccurate or incomplete information about you.
- You have the right to request debt validation for any alleged debt. To do this, send a debt validation letter to the collection agency, who must provide evidence within 30 days to validate the debt’s authenticity and accuracy.
- Debt collectors may not threaten or harass you, repeatedly call you, use profanity, or publicly disclose a list of debtors.
- Debt collectors must be transparent about their identity and intentions. They are required to inform you both orally and in writing that they are a debt collection agency.
- It is unlawful for CF Medical Collections LLC or any other debt collector to threaten you with arrest or imprisonment due to unpaid debts.
Knowing your rights will help you navigate interactions with CF Medical Collections confidently.
CF Medical Collections Complaints
No one likes receiving calls from a debt collections agency. So it isn’t a surprise that these agencies often receive multiple complaints against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). These complaints range from incorrect reporting or failure to validate a debt to harassment. In fact, according to the CFBP over 1 in 4 consumers contacted by a collection agency reports feeling threatened.
It’s a good idea to be aware of the requirements for debt collectors to communicate with consumers. After reviewing, if a debt collector is acting unlawfully or harassing you, consider filing a complaint.
Above all, remember that you have consumer rights protected by the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights empower you to dispute any credit report errors and demand fair and respectful treatment from debt collectors.
Step 1: Validate the Debt
The first step to resolution is to send debt validation letter to CF Medical Collections by certified mail. You have the legal right to request validation of the debt, including details such as the amount owed and the original creditor.
Mail your debt validation request to:
CF Medical Collections LLC
3705 South Highway 27, STE 203
Clermont, FL 34711-7950
Once you’ve received the verification letter, you have 30 days to dispute the claim. During this time, the debt collector cannot contact you.
How to Review the Debt Validation
Review the response from the collection agency and make sure everything is correct. Some things to look out for are the name, the date of service and the address. If any of these are incorrect, the debt may not belong to you.
If you believe the debt is not valid, gather any supporting documents that prove the bill was not yours. Did you receive the medical services claimed? If not, this is an error, and the debt is not valid. Did you already pay for the service? If so, find paid invoices or other documents to send to CF Medical as proof that the debt was paid.
In addition, check that the date of the debt is within the statute of limitations in your state. A debt collector can’t sue you over a debt that has expired beyond this time period. Each state’s time period is different so check with your state’s judicial branch.
Step 2: Dispute the Debt from CF Collections
If you find an error in the validation letter, note the error and send a written dispute by mail to each of the three major credit bureaus: Experian, Equifax and TransUnion. Use this credit dispute letter template. It is important to send documentation that backs up your claim. Add any receipts or records that support your dispute.
Step 3: How to Negotiate with CF Medical Collections
Ideally now that you know how to resolve CF Medical collections, you will be able to dispute the debt. However, if your dispute is denied, you can move to negotiating a payment to resolve the debt. You should offer to repay a portion of the debt owed, provided that CF Medical reports the account as paid to the credit reporting agencies.
Make sure you negotiate an amount that you will be able to pay. Above all, get the terms agreed to in writing and signed by a CF Medical representative.
If negotiation seems time consuming, Cambio may be able to help. The Cambio App can help you negotiate pay-to-delete agreements and remove negative items from your credit report. It can also help you monitor your credit report so you can know immediately if your score changes. Explore the app to find the best ways to rebuild your credit and strengthen your credit score.
