Learn · Nov 10, 2026 · Not legal advice
Your medical bill was sent to collections: first steps
Don’t ignore it. Ask the collector for written validation of the debt, check it against your EOB and an itemized bill from the provider, and dispute mistakes in writing. If it’s a nonprofit hospital, ask whether you were considered for financial assistance first.
Steps
- Note the date of first contact. Collectors generally must send a written notice that explains how to dispute the debt, and disputing within the stated period matters.
- Send a written request for validation: the amount, the original provider and the date of service.
- Ask the provider for an itemized statement and compare it with your EOB.
- Ask whether insurance was billed correctly.
I’m requesting written validation of this debt, including the original provider, date of service and itemized charges. I dispute that the amount is correct until I’ve reviewed it.
Nonprofit hospitals
Before certain collection actions, including reporting to credit bureaus, they must make reasonable efforts to decide whether you qualify for assistance.
Don’t acknowledge the debt or make a payment until you’ve checked it, and get advice if you’re sued. State rules on old debt vary.
Common questions
Can I stop all calls?
Collectors generally must honor a written request to stop contact, with exceptions. A written request doesn’t cancel the debt.