Med-1 Solutions: Who They Are and Your Rights

Type

Collection agency

Also known as

Med-1 Solutions, LLC; MED-1

Headquarters

Greenwood, IN

Collects

hospital bills, medical bills

Website

med1solutions.com

32 debt collection complaints were sent to the Consumer Financial Protection Bureau about Med-1 Solutions, LLC from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.

Who Is Med-1 Solutions?

Med-1 Solutions, LLC is an Indiana limited liability company. Its Better Business Bureau profile places it at 517 US 31 North in Greenwood, Indiana, a suburb south of Indianapolis, and shows that it was formed and began doing business on April 17, 2003. The BBB lists William Huff as owner and classifies the business as a collection agency. The company's consumer payment site is branded "MED-1 Quick Pay."

In a 2008 decision, the U.S. Court of Appeals for the Seventh Circuit described Med-1 as a debt collector that collected hospital charges for a client hospital and filed lawsuits, in its own name, in Indiana small claims court.

Why Med-1 Solutions May Be Contacting You

Med-1's work centers on healthcare accounts. A letter, call or court filing from Med-1 most likely relates to a hospital stay, emergency visit, outpatient procedure or physician bill from an Indiana-area provider. Because Med-1 has filed small claims suits on accounts it collects, a contact from it can lead to a court case, and the summons may name Med-1 itself as the plaintiff rather than the hospital.

We could not verify a consumer phone number on Med-1's own site, so use the number printed on your notice and compare it with the BBB listing before sharing information.

How to Check a Debt Med-1 Solutions Says You Owe

Hospital bills are complex, and a collection balance can include charges your insurer should have paid or that a financial assistance program should have covered.

• Use the validation notice. It must name the creditor (the hospital or provider) and itemize the balance (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
• Dispute in writing within the validation period. Ask for the itemized bill, the dates of service and the insurance explanation of benefits.
• Ask who owns the account. Find out whether the provider still owns it or has assigned it to Med-1, which matters if Med-1 sues in its own name.
• Check fees. If the notice adds attorney's fees or collection costs, ask for the signed agreement that allows them.
• Check the age. In Texas, the general limitations period for debt claims is four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Indiana and other states have their own limitation periods.

What Med-1 Solutions Can and Can't Do

A company that regularly collects medical debts owed to others is a "debt collector" under 15 U.S.C. § 1692a(6). Points that matter for hospital debt:

• It may only add fees or costs that your agreement with the provider or the law permits (15 U.S.C. § 1692f(1)).
• A collection lawsuit must be filed where you live or where you signed the contract (15 U.S.C. § 1692i).
• Small medical collections (under $500) and paid medical collections no longer appear on reports from the national credit bureaus. See our article on medical debt reporting.
• If you are served with a suit, respond by the deadline. Our debt lawsuit questions page explains the basics for Texas cases.

We did not find a CFPB enforcement action against Med-1 Solutions. If you believe its collection efforts were improper, see our Texas FDCPA attorneys page.

We Sue Debt Collectors That Break the FDCPA

Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Med-1 Solutions or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.

Free FDCPA Case Review(214) 851-2250

Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.

Sources

• BBB business profile: Med-1 Solutions, LLC (facts only)
• MED-1 Quick Pay (company payment site)
• Kelley v. Med-1 Solutions, LLC, 548 F.3d 600 (7th Cir. 2008)
• CFPB enforcement actions list
• CFPB Consumer Complaint Database: Med-1 Solutions, LLC, debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Med-1 Solutions has violated any law. Company details change; tell us if something here is out of date.