Frequently Asked Questions

Today it is extremely important to clearly demonstrate the critical importance of taking positive action when an accounts receivable ages past its due date. Today’s competitive economy requires that companies maintain a healthy cash flow with the ability to adapt to changing market conditions. Companies must take a hard line on past due receivables, and turn them over to professional help when their internal efforts have not proved successful and within at least 120 days for best results.

The use of a quality third party collection service provides the client the following benefits:

  • Reduced overhead
  • Increased cashflow
  • Increased production
  • Minimizes future bad debt problems

The probability of full collection on a delinquent account drops dramatically with the length of delinquency...

for example per current statistics, even after only three months (90 Days), the probability of collecting a delinquent account drops to 73.1%. After six months, 50%. After one year, the probability of ever collecting a delinquent account drops to 25%.

Yes M&A is licensed in the majority of states across the county. We utilize very robust technology to locate, track down and pursue outstanding accounts whether they originated in Ohio or not.

Yes, with your consent and if necessary, we will seek judgment and garnishment. The court costs are required to be pre-paid by you our client, and will be added to the amount being collected and reimbursed once a judgment is received and the debt is collected through wage garnishments, bank levy or asset sale.

Skip tracing is the process of locating information on the past due account holder, such as a current or alternate address and telephone number/s, places of employment, names and addresses of family members, friends, ex-spouses, locating assets such as property, bank accounts, or automobiles, finding relatives' telephone numbers, and much more to assure the recovery of your accounts.

There are many debt collectors out there that are ready, willing, and able to take on your business, but your goal is to align yourself with a collector who can deliver the best results. With bigger firms comes complexity and agencies with hundreds of collectors on staff are bound to cross FDCPA boundaries and rules and therefore can be more susceptible to lawsuits. Medium to smaller collection companies have more unilateral control over how their collector’s operate, as well as the organization’s policies, the corporate culture, and employee attitudes. We at M&A believe that customer service and availability are the primary contributors of a company’s success. We pride ourselves in being large enough to accommodate large corporations, but personable enough to focus on small operations as well. Because Meade is also our family name we will not allow our collectors who represent our clients tarnish our strong reputation.

Yes, the older a debt the harder it is to collect. It is always best to refer accounts within the first 60-120 days past due.

Meade & Associates needs the following documents: (If Available)

  • Account Ledger/Payment History
  • Patient/Customer Registration Form
  • Signed & Dated Payment Policy or Financial Agreement

We only need your practice information to generate a service agreement for your review and signature. Our service agreement details what is to be expected of each party and it is not a time specific contract. Please Contact Us for more information and to answer any other questions.

We Are Here To Help

  1. Don't Get Angry
    Your account came to us from someone who values your business. However, just as you depend on an income to pay for groceries, mortgage or rent, and other necessities, those who extend credit must have payment for their goods and services in order to pay their bills and remain in business. It is time to find a solution.
  2. Contact Us
    If you believe you do not owe this bill or have questions about this bill, please let us know and we'll do our best to respond quickly. If you do owe the bill, let us know when payment can be expected, and if you are unable to pay it in full, tell us why. Also, please read any notices or letters that we send to you carefully. They contain important information about your rights.
  3. Let Us Help
    While collecting past due accounts is our business, helping people solve their financial problems is our commitment. If your account is listed with us by a client that authorizes reporting to a credit bureau, it could prevent you from obtaining credit when you need it in the future.

We hope these ideas will help you, and that you'll accept our offer of assistance in resolving this debt. Remember, you can depend on our cooperation.

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After the initial contact from the collector, you may request by a written notice for the debt collector to provide basic information about the debt, including direction about what to do if you contest it. Within 30 days of receipt of this notice, you can stop the collector's attempt to collect from you by sending a written letter stating that you do not owe the debt. If the collector can provide sufficient proof of the debt, it may resume its attempt to collect.

One option for a creditor trying to collect from a nonpaying debtor is the legal procedure called garnishment. The court can award the third party collector and the original creditor a percentage of the debtors wages regularly earned. If the debtor's wages are garnished, federal law and some state laws restrict the amount of wages that may be seized. Garnishment anticipates a future court judgment on the debt or satisfies a judgment already obtained.

Check the web page URL on any page that asks for personal information...

Normally, when browsing the web, the URLs (web page addresses) begin with the letters "http". However, over a secure connection the address displayed should begin with "https" - note the "s" at the end.

A credit score is a number calculated by a credit bureau intended for use in making a decision on a loan application or other product or service. Credit scoring is a point system based on your credit history that is designed to help predict how likely you are to repay a loan or make payments on time.

A credit report with late payments (or no payments) will cause your credit score to nose-dive. Items such as judgments, liens or bankruptcy will hurt your score.

A credit report is a summary of your financial reliability and how much a creditor should trust you to take care of your financial obligations should they do business with you: Your history of paying debts and other bills will improve by Paying on and off your outstanding debts.

Educate Yourself

Your Health Information Rights (HIPAA)
Your Rights Under the FDCPA

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