Yes, but the complexity of these cases often requires legal expertise—especially if you’re seeking more than just a correction or refund.
When Legal Counsel Is Advisable
The billing error has caused serious financial damage
You’ve suffered credit score damage due to reporting
You’ve been harassed or misled by debt collectors
Your dispute has been ignored for more than 30 days
You’ve already exhausted all internal appeals and communications
In small claims court, you can represent yourself. But for larger financial recoveries or complex cases involving FDCPA/FCRA violations, it’s best to consult an attorney who specializes in consumer protection or medical billing disputes.
What to Do Before You Consider Filing a Lawsuit
Before going straight to court, you need to create a strong paper trail. Courts and attorneys will always ask: “What steps have you already taken to resolve this?”
Pre-Litigation Steps to Take:
Request a Full Itemized Bill
Make sure you understand every charge, procedure, and provider listed.Dispute the Charges in Writing
Send a certified letter to the billing company requesting correction or validation of disputed items.Contact Your Insurance Provider
Ensure the claim was handled properly on their end, and request explanation of benefits (EOBs) to compare with your bill.Document All Communication
Keep records of every phone call, letter, or email. Dates, names, and content matter.File a Complaint
Consider submitting complaints with the Consumer Financial Protection Bureau (CFPB), State Attorney General, or Department of Health if appropriate.
Frequently Asked Questions
Q: Can you sue a medical billing company for reporting to credit bureaus without notice?
A: Yes. Under the FCRA, you must be notified before negative information is reported, and you have the right to dispute it.
Q: What’s the statute of limitations for suing over medical billing issues?
A: It varies by state and claim type. For FDCPA or FCRA violations, it’s typically one to two years from the date of the violation.
Q: Can I sue for emotional distress caused by aggressive billing tactics?
A: In some cases, yes—especially if harassment caused measurable psychological harm or financial instability.
When It’s Time to Fight Back—Strategically
Medical billing companies rely on most patients feeling too overwhelmed, confused, or powerless to push back. But with the right information, you’re anything but powerless.
Understanding your rights, documenting every step, and knowing when to escalate can protect your finances, your credit, and your sanity.
Ready to Stop the Billing Games?
If you’re buried in bills you don’t understand—or if a billing company is damaging your credit or ignoring your rights—it’s time to act.
Call Adria at MedWise Insurance Advocacy at (845) 978-9493 for expert guidance. She’ll help you uncover billing errors, escalate disputes, and connect you with legal support if needed.
Don’t let billing mistakes ruin your financial future. Take back control today.
