Writing off unpaid patient bills shouldn’t be the default price of running a healthcare practice. Collection Agency USA (CA-USA) is a top-rated, HIPAA-compliant medical collection agency serving hospitals, dental practices, and physicians nationwide with zero account minimums. By offering a flexible 4-step recovery system—starting at a $16 flat-fee reminder service where practices keep 100% of collections—CA-USA delivers brand-safe patient outreach, full FDCPA and GLBA compliance, and credit bureau reporting without forcing practices to sacrifice patient goodwill or pay upfront attorney fees.
We serve over two thousand of healthcare providers across the nation, including hospitals, urgent care centers, dental offices, senior living communities, physicians and ambulance services in all 50 states. Our focus is on achieving outstanding recovery rates.
Our priority is to protect your reputation while we collect payments from patients. We ensure that your patients are treated with respect and dignity, applying only the minimal amount of pressure legally allowed during the collection process. Both clients and patients consistently find our services user-friendly and easy to navigate.
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Our debt recovery methods are strategically designed to expedite debt retrieval while maintaining cost-effectiveness.
We take pride in being the highest-rated Medical Collection Agency on Google, with an impressive rating of 4.87 out of 5 from over 2,200 reviews. We’ve also established a user-friendly client portal, enabling you to add debtors at your convenience.
Start Recovering:
Four-Step Debt Recovery Process:
STEP 1: Flat Fee Reminders – First Party
If your practice lacks time for patient reminders, we can help. We make two calls and send three letters on your behalf, not as a collection agency, for a flat fee of $16 per case. Your practice keeps 100% of what is collected.
STEP 2: Flat Fee Collections – Third Party
Demands are sent on the collection agency’s own letterhead for a flat fee of $16 per case, making patients more likely to pay. Your practice keeps 100% of collections, and payments are made directly to your office. Five letters are sent, one every 10 days.
STEP 3: Intensive Collections – You Keep 60% of Amount Collected – No Upfront Cost
For the small minority who do not pay in Step 2, we transfer these accounts to our intensive collection group. Our friendly agents call persistently with the goal of working with your client to pay the debt owed. In this stage, you keep 60% of the amount collected.
STEP 4: Legal/Litigation – 50/50 Split and No Attorney Fees
We conduct a full financial assessment of each debtor. If legal action is needed, we request your authorization to proceed. If approved, we file the lawsuit and pay your practice 50% of the awarded amount.
Get Started with $16 Flat-Fee Medical Collections
Unique features of our Medical Collection Agency
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Frequently Asked Question
1. Will hiring CA-USA damage my company’s brand or public reputation?
No. We operate as an extension of your accounts receivable department, using brand-preservation techniques. Our agents are trained in dispute mediation and compliance. We recover your money without burning bridges or compromising your company’s public standing.
2. Beyond the collection agency’s fee, can we also deduct the portion of the debt we never recover as a business loss?
Often, yes, for businesses on the accrual method. This is generally treated as a bad debt deduction once an account is genuinely determined to be uncollectible, separate from whatever fee was paid to attempt recovery. That’s a real conversation to have with your accountant rather than an assumption to make on your own, since timing and documentation requirements matter, but it’s worth knowing an unrecovered balance isn’t necessarily a total loss with no tax benefit at all.
3. We only have one or two small unpaid invoices. Is it even worth using a collection agency for such a small volume?
Yes, and this is actually one of the more common ways small businesses end up working with us. There’s no minimum number of accounts and no obligation to submit any set volume annually, so a single $800 invoice gets the same professional process as a company placing fifty accounts at once. Waiting to “save up” a batch of unpaid invoices before doing anything usually just means the oldest ones get harder to collect while you wait.
4. Why shouldn’t we just file a Small Claims Court lawsuit ourselves?
Winning a judgment in court is only 10% of the battle; collecting the money is the other 90%. Courts do not collect the funds for you. CA-USA handles both the negotiation and the post-judgment asset recovery, saving you hundreds of hours in legal fees and administrative headaches.
5. What if the debtor claims they aren’t paying because of a “quality of service” dispute?
Debtors often weaponize “disputes” to freeze collection efforts. We conduct an objective audit of your signed contracts, deliverables, and communication logs to separate genuine service issues from tactical stalling, keeping the conversation focused on financial resolution.