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Medical Collections Dispute Letter
"I need a Medical Collections Dispute Letter to challenge a $3,500 hospital bill from January 2025 that I believe was already paid by my insurance company, and I want to request full documentation of all charges and insurance payments."
1. Personal Information Block: Sender's name, address, account numbers, and other identifying information positioned at the top of the letter
2. Recipient Information Block: Collection agency's name, address, and any reference numbers
3. Date: Current date of the letter
4. RE: Line: Subject line specifying account number and dispute notification
5. Debt Information: Details of the disputed medical debt, including service dates, amounts, and healthcare provider
6. Dispute Statement: Formal statement of dispute and specific grounds for contesting the debt
7. Documentation Request: Formal request for debt validation and supporting documentation as per FDCPA requirements
8. Legal Rights Statement: Statement asserting rights under FDCPA, FCRA, and other applicable laws
9. Closing: Formal closing, signature block, and contact information
1. Insurance Information Section: Details about insurance coverage and claims, included when dispute involves insurance issues
2. Prior Communication Reference: Section referencing previous communications with collector or healthcare provider
3. Cease Communication Request: Optional section requesting the collector to cease all communication except for legally required notices
4. Timeline Request: Section specifying requested response timeline, included when urgent resolution is needed
1. Medical Bills and Statements: Copies of relevant medical bills or statements being disputed
2. Insurance Documentation: Copies of insurance Explanation of Benefits (EOB) or coverage information
3. Prior Correspondence Log: Chronological log and copies of any previous communications regarding the debt
4. Supporting Documentation: Any additional evidence supporting the dispute (payment records, medical records, etc.)
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