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Frequently Asked Questions

Because we represent the creditor we are not allowed to give legal advice. If you are unsure what to do you should contact an attorney. This page is designed for general answers to general questions. We do not give legal advice and in no way should you rely on any answers contained here to be legal advice. In all cases you have the right to speak to an attorney of your own choosing on any questions you may have.

As always, you should speak to an attorney to be sure you adequately understand all of your rights. If you dispute the claim you may contact us and advise us, in writing, of the basis of your dispute. You may also contact an attorney for advice.

As always, you should speak to an attorney to be sure you adequately understand all of your rights. You should immediately contact us and advise us on what your concerns are regarding the account. We will attempt to review the account with you to give you enough information for you to be able to agree whether or not the debt is valid. If you wish, we will send you verification of the debt to include, if possible, an itemization of the account(s).

As always, you should speak to an attorney to be sure you adequately understand all of your rights. We accept all forms of payment including cash, check, money order (or other certified funds), credit cards, debit cards, Health Savings Accounts (HSA), Flex Spending Accounts (FSA) and ACH transactions. Please place our account number on the memo line of any check or money order to ensure it is applied to your account correctly. If a legal case has been filed please contact our office directly prior to mailing a payment to ensure you provide sufficient funds to pay the case in full if you are desiring to pay the account in full. You may also make payments using our payment portal if you have already set up payment arrangements with our office. That portal is available here.

As always, you should speak to an attorney to be sure you adequately understand all of your rights. If you would like to submit an offer you may do so by contacting us. Depending on the circumstances, we may require a settlement offer to be in writing. Please include all terms of your offer including the total balance to be paid and the timeframe within which you will pay it.

As always, you should speak to an attorney to be sure you adequately understand all of your rights. If you do not dispute the claim and desire to make payment arrangements with our office, you should review the Payment Plan Application to begin the process to set up a payment arrangement on your account. In order to set up payments you must return the application, signed by all parties to the case, to our office with the necessary documents and we will review the same to set up a payment plan. Upon submission of the completed application documents we will place your account on hold to review the same. All collection processes, including wage garnishments if in place, will continue until such time as the completed package has been submitted to this office and a formal agreed upon payment plan is in place.

As always, you should speak to an attorney to be sure you adequately understand all of your rights. Some clients will consider "uncompensated care" reductions pursuant to their own guidelines or in compliance with state and federal laws. Atchison Hospital's financial assistance policy may be found here. For any other creditor you should contact us directly to determine if they have any similar program.

As always, you should speak to an attorney to be sure you adequately understand all of your rights. You should review each document carefully to ensure your rights and responsibilities. If you received a Summons to Appear on the initial Petition you have options to file certain written answers/defenses with the Court in lieu of appearing. For all other instances, unless our office has agreed in writing to extend your court date then you should plan on appearing. WE ENCOURAGE YOU TO ATTEND EVERY COURT DATE UNLESS EXCUSED BY US IN WRITING. We handle missed court appearances on a case by case basis but, generally, will take whatever the next legal step may be allowed based upon your failure to appear. This may include taking judgment, issuance of a citation in contempt for your failure to appear, or issuance of a bench warrant for repeated failures to appear.

As always, you should speak to an attorney to be sure you adequately understand all of your rights. If you do not leave a voicemail we will not return a call. We do not use Caller ID to review who did, or did not, call us. You should always leave a message, either with a person or by voicemail, and clearly identify yourself and your account number from our office. We attempt to return every call we receive if necessary. However, we generally do not leave voicemails advising that we have called unless it is a known and trusted form of communication with you previously. If you have not received a return call from us within 48 hours please call us again. If you are attempting to call the day of court then you should plan on appearing in Court if you have not previously been excused from us in writing.

As always, you should speak to an attorney to be sure you adequately understand all of your rights. We do not report to credit bureau. There are, however, private companies that review legal judgments and report those to the proper agencies. We cannot control what they do, and do not, report. We cannot remove items from a credit report. To avoid the potential for reporting we strongly recommend you contact us to make arrangements to pay on the account or inform us of your dispute prior to us taking legal action so that we may resolve any potential disputes quickly.

As always, you should speak to an attorney to be sure you adequately understand all of your rights. Generally, however, if you dispute the debt you may appear in court and state your dispute or you may put your answer in writing and provide our office and the court a copy of the same, at which point a trial will be set if we have not already obtained judgment against you. If we already have judgment against you, you should contact our office to see what options may be available to you to avoid having to appear in Court. If you do not have a payment arrangement with our office in place and current or have not otherwise signed an agreement to return at a later date, then you should plan on appearing in court.

As always, you should speak to an attorney to be sure you adequately understand all of your rights. If a legal case is filed we will request the court to award our client an order for you to reimburse them for interest accrued prior to the filing of a lawsuit, for the court costs incurred as part of the suit, and for judgment interest. All are authorized by applicable statute. Additionally we will seek the award of attorneys fees if authorized by contract and/or statute. To avoid payment of the same we recommend that you promptly pay your account if you do not dispute owing the same.

As always, you should speak to an attorney to be sure you adequately understand all of your rights. Review the paragraph under "I want to set up a payment plan. What do I do?" for more information.

As always, you should speak to an attorney to be sure you adequately understand all of your rights. Please see our Payment Options for details on paying online or submitting other forms of electronic payment.

As always, you should speak to an attorney to be sure you adequately understand all of your rights. We generally do not remind you to make payments. If you would like to set up automatic payments please Contact Us to inquire about that process. It is your responsibility to make the payments as agreed.

You may Contact Us to get financial information on your account at any time.

Each account placed with our agency for management is assigned a trailer number to distinguish that account from each and every other account in the agency. Then, similar accounts belonging to the same person or other responsible party are grouped into a "header" account. We manage the administration of your accounts referring to the header account while we post payments and other transactions to each trailer account. When communicating with our office you should always refer to the “header” account that appears on all correspondence with you.

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