Medical Business Bureau, LLC is a Park Ridge, Illinois company that works only in healthcare. It collects and buys unpaid bills for hospitals, doctors, medical practices and billing companies, so a letter from it concerns a medical bill.
- Type
- Collection agency and debt buyer
- Also known as
- Medical Business Bureau, LLC; MBB
- Headquarters
- Park Ridge, IL
- Collects
- hospital bills, physician and medical practice bills, medical debt it has purchased
- Phone numbers it lists
- (800) 828-3543
- Website
- mbb.net
44 debt collection complaints were sent to the Consumer Financial Protection Bureau about Medical Business Bureau 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 Medical Business Bureau?
Medical Business Bureau, LLC (MBB) says it is "focused 100% on the Healthcare Industry." Its website dates the company to 1932. Its office is at 1460 Renaissance Drive, Suite 400, Park Ridge, Illinois 60068, northwest of Chicago, and its listed phone number is (800) 828-3543. The site has a patient portal and an online payment page, and it lists memberships in ACA International, HFMA, AAHAM and HBMA.
Why Medical Business Bureau May Be Contacting You
MBB works for hospitals, physicians, medical practices, billing companies and other healthcare providers. Its services fall into two groups:
- Extended business office work. This includes early-out account resolution, self-pay management, insurance follow-up and insurance denial resolution. A call at this stage may come while your provider still treats the bill as an active patient account.
- Collection and debt purchasing. MBB collects bad-debt accounts for providers, and its website says it also purchases healthcare debt and offers legal collection.
That second point matters. If MBB bought your account, it may be the owner of the debt rather than an agent for your doctor or hospital. Ask which role it is playing on your account.
How to Check a Debt Medical Business Bureau Says You Owe
Medical bills are some of the most error-prone debts, usually because of insurance processing.
- Read the validation notice. It must name the provider or current owner and itemize the amount (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). Dispute in writing within the validation period.
- Ask for an itemized bill. Request dates of service, procedure codes, charges and every insurance payment and adjustment. For care at a licensed Texas health care facility, the provider may not pursue collection until it has sent you an itemized bill; see our SB 490 update.
- Match it against your insurer's EOBs. A claim that was denied or never filed may still be billable to your insurer.
- Ask whether the debt was sold. If MBB bought it, ask for the documents showing the transfer from the provider.
- Check the age of the bill. Texas generally gives four years to sue on a debt (Tex. Civ. Prac. & Rem. Code § 16.004), and a debt buyer can't sue on a time-barred consumer debt (Tex. Fin. Code § 392.307). Illinois and other states set their own periods.
What Medical Business Bureau Can and Can't Do
When MBB collects for providers, it is a debt collector under 15 U.S.C. § 1692a(6). When it collects debts it bought, the FDCPA can still apply if its principal purpose is collecting debts, even though Henson v. Santander Consumer USA Inc., 582 U.S. 79 (2017), held that a buyer collecting its own debts isn't covered by the "owed to another" test. Either way, it:
- May not report a debt to the credit bureaus without first contacting you about it (12 C.F.R. § 1006.30(a)). See how medical collections are now reported.
- May not misstate the amount you owe or add charges the law doesn't allow (15 U.S.C. §§ 1692e(2)(A), 1692f(1)).
- May not call more than seven times in seven days about one bill (12 C.F.R. § 1006.14(b)(2)).
- May not discuss the bill with your employer or family, except to find you (15 U.S.C. § 1692c(b)).
We did not find a CFPB enforcement action against Medical Business Bureau. Read whether you can be sued over medical bills in Texas, or see our 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 Medical Business Bureau 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
- Medical Business Bureau: home page
- CFPB enforcement actions list (checked all pages)
- CFPB Consumer Complaint Database: Medical Business Bureau, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Medical Business Bureau has violated any law. Company details change; tell us if something here is out of date.