Let’s Take The First Step To Help Dispute Validity of Your Medical Debt

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When a medical debt collector files a lawsuit, they're betting you'll accept the bill as accurate and settle fast. But medical bills routinely contain errors. Our attorneys examine every charge before we respond, and challenge what doesn't hold up.

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What We Do

We don't take medical debt lawsuits at face value. Before we file a response, we examine the billing statements for errors, verify the collector's legal right to sue, and identify procedural defects in the filing. If the bill doesn't hold up legally, we challenge it, in writing and in court.

  • Examine every line of the billing record for duplicate charges, inflated amounts, missed insurance coverage, and documentation the collector can't produce
  • Verify the collector's legal standing to sue: chain of title, assignment documentation, and proof they own the debt they're suing over
  • Identify procedural defects in the filing: improper service, incomplete documentation, or claims the court record doesn't support
  • Challenge the bill in writing and in court: motions, answers, and counterclaims where the law supports them
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    Why Choose Credo Legal

    • Licensed Attorneys, Real Legal Defense: We don't just help you respond, we examine the foundation of the claim before we do.
    • We Examine the Bill Before Responding: Every charge is reviewed. Errors found before we respond become ammunition in your defense.
    • We Challenge What's Wrong: Errors, inflation, and procedural defects all get raised formally.
    • Free Consultation: Know what you're actually dealing with, at no cost.
    • Flexible Payment Plans: Legal defense that works with your financial situation.
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    Common Problems We See

    • Inflated or Upcoded Charges: Billing for more expensive procedures than were actually performed is common.
    • Debt Sold Without Complete Records: Collectors often purchase debt portfolios with incomplete or distorted documentation.
    • Charges for Services Never Rendered: Phantom procedures appear on medical bills more often than the industry acknowledges.
    • Surprise Out-of-Network Bills: Charges added after the fact for providers who weren't disclosed as out-of-network.
    • Statute of Limitations Issues: Old debts brought to court may be past the legal window for collection.
    • Duplicate Bills: The same service billed multiple times, sometimes across different entities.
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    How Our Program Works

    1. Free Consultation: Tell us about the lawsuit. We review the complaint and the debt at no cost.
    2. Bill Review: Our attorneys examine every charge, the collection history, and the court filing for errors, validity issues, and procedural defects.
    3. Response Filed: We file your legal answer before the deadline, incorporating the grounds we've identified to challenge the claim.
    4. Resolution: We fight the case, negotiate a favorable settlement, or move to have the debt reduced or dismissed based on what the review reveals.

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    Your Rights Under Federal Law

    The law doesn't assume collectors are right, it requires them to prove it:

    • You have the right to demand proof that a debt is valid and accurately stated before paying
    • Collectors must demonstrate legal ownership of the debt, if it was sold, the chain of ownership matters
    • Misrepresenting the amount owed in a court filing is a federal FDCPA violation
    • Federal and state surprise billing laws protect you from certain out-of-network charges being collected
    • Even if you owe something, you may not legally owe the amount being claimed in the lawsuit
    • Successfully challenging an invalid debt may result in its dismissal and removal from your credit report
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    Who This Program Helps

    1. Anyone sued for a medical bill they believe is inaccurate, inflated, or already covered by insurance
    2. Patients whose debt was sold to a third-party collector who may not have complete records
    3. Those being sued for old hospital or emergency room bills they don't fully recognize
    4. People who received surprise bills after a procedure and were never warned about out-of-network charges
    5. Anyone who wants the bill independently verified before paying, settling, or responding

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    Frequently Asked Questions

    Our Team is always happy to help.

    How common are billing errors in medical debts that end up in lawsuits?

    Very common. When debts are sold between collectors, documentation frequently gets lost or distorted. Errors that existed on the original bill can compound by the time the debt reaches a collector who files suit.

    What does it mean to "challenge the validity" of a medical debt in court?

    It means formally requiring the collector to prove the debt is accurate, that they legally own it, and that they have the right to collect it. Many collectors cannot fully meet this burden, especially for older debts or those sold multiple times.

    If the debt is challenged successfully, does it come off my credit report?

    Yes. If a debt is dismissed or settled on favorable terms, you can request its removal from your credit report, which can meaningfully improve your score.

    Do I still need to respond to the lawsuit even if I think the bill is wrong?

    Yes, and urgently. Failing to respond results in a default judgment regardless of whether the bill is accurate. We file the response and raise the validity challenge simultaneously.

    How much does this cost?

    Your consultation is free. We offer flexible payment plans and will walk you through every option before any commitment is made.

    Don't Settle a Medical Debt Until You Know What You Actually Owe.

    Collectors file lawsuits counting on you to give up. Our attorneys count the charges first, and fight on what they find.

    Get a Free Case EvaluationCall (612) 260-9170

    Disclaimer- This is attorney advertising. Prior results do not guarantee a similar outcome.

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    Attorney Advertising: Prior results do not guarantee a similar outcome.

    The information on this website is for informational purposes only and is not legal advice. Viewing this site does not create an attorney–client relationship. Please consult an attorney for advice regarding your specific situation.

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