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Medical Debt Collection

Turn your receivables into revenue

Cash flow is essential for quality patient care. Cedar Financial helps healthcare organizations recover more at every stage of the revenue cycle:

  • International collections offices local to your patients
  • Early out, self pay and extended business office services
  • Experienced creditor’s right attorneys in your patients’ jurisdiction

With cutting-edge technologies and a staff of experienced medical collectors, our patient-first approach is proven to streamline workflows, reduce costs and maximize revenue, all while delivering a positive payment experience.

See why leading hospitals, physicians and clinics trust us with their patient accounts.

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Are Unpaid Medical Bills Slowing You Down?

While everyone needs medical help at some point, not everyone pays upfront for the service.
Rising medical expenses, high-deductible insurance plans and inadequate communications can slow or halt payments, making it difficult for you to cover the costs of providing excellent care.
But as a busy medical provider with patients to care for, you may not have the time or resources to dedicate to collections efforts.

Recover More With a Trusted Medical Debt Collection Agency

Since 1991, Cedar Financial has been achieving higher recovery rates for our clients in healthcare.

We provide custom accounts receivable management (ARM) solutions for medical providers of all sizes, from independent practices to multi-hospital systems, including:

  • Physicians
  • Hospitals
  • Ambulance
  • Emergency
  • Urgent care
  • Medical billing
  • Medical labs & testing
  • Pharmaceutical
  • Dental
  • Veterinary
  • And more!

In addition to debt collection for healthcare, Cedar Financial excels in Early Out Self Pay Pre Collections , International Patient Collections and Legal Collections, making us your one-stop shop for revenue cycle management.

Why Choose Cedar Financial for Healthcare Collections?

When it comes to medical debt collection agencies, you have choices. However, the wrong choice could put your practice and patient relationships at risk.

At Cedar Financial, we believe that your success is our success. That’s why we go the extra mile to provide the most comprehensive, professional service in the industry.

Collect in All 50 U.S. States and 150+ Countries

No matter where your patient is located, we’ve got you covered.  Headquartered in California, Cedar Financial is licensed to collect anywhere in the United States, with access to a worldwide network of nationally licensed debt collectors.

An ACA International and TCM Group partner, we adhere to the highest ethical, professional and customer service standards in the industry, including HIPAA and FDCPA requirements.

Local Offices Deliver Higher International Success Rates

We have spent the last 30 years vetting our powerful network of international medical collection agency partners. These local agents are familiar with the language, culture and laws of your patients for more effective dispute resolution and cross-border medical debt recovery.

Specialized Medical Collections Team Guides Patients to Payment

Our skilled medical bill collectors understand the ins and outs of complex medical billing processes. We guide your patients along their journey to payment by educating them about their bills, removing potential insurance obstacles and providing options for easy payment.

The result? A positive payment experience and faster recovery of your funds.

People-First Approach Increases Patient Satisfaction and Revenue

Medical bills are often sudden and unexpected, hitting people at the lowest times in their lives. Aggressive collections can alienate patients more, putting your funds and reputation at risk.

At Cedar Financial, we believe a human approach gets better results – and patients agree! By treating every person with dignity and respect, we build a relationship of trust, making it more likely that patients will pay when they have the means.

Tailored Communications for Better Patient Engagement

Nothing is less inspiring than a generic demand for payment written in “legalese.”

At Cedar Financial, we make every contact count, crafting our letters, emails and scripts to fit patient-, client- and industry-specific needs. We greet patients by name, proactively address common disputes and provide easy options in a soft language your patient will understand.

Digital Channels Increase Patient Response

Today’s consumers don’t like talking on the phone or opening mail – yet most collections are still done through traditional channels only.

Cedar Financial uses a compliant, omnichannel approach to reach patients the way they prefer – including Email, SMS, Social Media, Web and Chat. With easy self-service options, patients can pay on their own time, or contact us on their channel of choice for extra support.

State-of-the-Art Collection Technologies

Want to maximize A/R, but don’t have the capital for new technology? Let us handle it instead!

We are constantly investing in the latest innovations for superior communications, compliance and collections. Our technologies include:

  • Collections Management CRM
  • Omnichannel Call Center as a Service Suite
  • Online Consumer Payment Portal
  • Skip Tracing Tools & Databases
  • Live Call Guidance Software
  • Predictive AR Analytics & Scorecarding
  • AR Dashboards & Reporting
  • Automated Email Workflows
  • And more!

Quality Assurance Built In

We know quality matters to you. That’s why everything we do has quality controls built in.

We use AI-powered call recording, monitoring and reporting tools to stay on top of agent performance and compliance at all times. Plus, you get 24/7 access to real-time status updates, reports and collection notes through our secure online portal and client relations reps.

“No Win, No Fee” Contingency Rates

Keep more of every dollar recovered with our industry-competitive rates. “No win, no fee” means you don’t pay unless we recover your funds.

Our goal is to help save you time, money and resources so you can get back to doing what you do best – caring for your patients.

Ready to maximize your recovery?

Reduce AR With Pre-Collection Early Out Self Pay Services

How much of your accounts receivable (AR) inventory is over 90 days old?
At Cedar Financial, we do more than just collect medical debt – we help hospitals, physicians and other providers streamline their A/R processes to cut costs, optimize recovery and free up valuable resources for new revenue streams.

Our proactive first party solutions help you engage with patients early on, increasing the likelihood that they will pay on time.

Learn more about Cedar Financial’s First-Party Services


In healthcare, litigation is a touchy subject – but we believe that it is an essential part of the AR process.

Other companies don’t handle litigation well. Here’s how Cedar Financial ensures minimal risk and maximum recovery for each legal file.

File Vetting Process


Attorney Network


End-to-End Case Management


Recover more with top debt collection attorneys

Quick Facts About Debt Collection in New York

Open Invoices

Unpaid Invoice Interest Rate Up to 16%
Can Collection Fees be added? Only if expressly authorized by agreement or permitted by law
Statute of Limitations/Prescription 6 years


Post Judgment Interest Rate Up to 9%
Judgment Expiration 20 years; 10 years for judgment liens on real property
Can judgment be renewed? Judgment liens can be renewed another 10 years

Local Experts in Healthcare Debt Collection

We offer on-the-ground representatives in your patient’s location who understand the practices that work to support full recovery of your funds.


Get Your Free Consultation Today!

FAQs About Medical Debt Collection

Why should we ask you to collect our medical debts?

We are familiar with local laws and customs and employ a number of different divisions to connect you to the right debt collection service so you can recover your debt quickly.

What does it cost to hire you to recover the amount due to us?

For pre-legal services, we work on a “no collection – no fee” basis, so you will only pay when your funds are recovered. For legal services, we offer low-cost options.

What is the minimum amount or number of accounts you will accept?

We have no minimum value or volume that is required to place accounts.

What type of debt do you service?

We service consumer and commercial debts, large or small, across many industries.

How long will your amicable (non-legal) debt collection process take?

Normal debt collection proceedings can take up to one year.

What is the typical debt collection process?

We start with an initial investigation into the debtor’s registration and credit information. Phone calls, demand letters, emails and sometimes faxes are then sent out. If the debt is disputed, we request proof from the debtor to send to the creditor. If the debtor cannot be contacted, our Tracing Center will carry out an address and phone search. We also request a face-to-face meeting, if necessary. If all efforts do not lead to payment, we may suggest a legal filing.

Do you provide field services?

Yes, we provide on-the-ground representatives to visit your debtor in person at their location in to trace and contact evasive debtors and investigate assets for potential legal action.

Do I need to provide documentation?

Yes, of course. We need all the relevant documents about the case, which includes any invoices, the debtor’s information and other supporting documents.

Do you offer litigation services if you exhaust all amicable collection efforts without recovery?

Yes. In the event all amicable efforts are exhausted, our in-house legal team will conduct a thorough review of the file to determine collectability in litigation. If the file qualifies and you approve, we will work with the local attorney in your debtor’s jurisdiction to file suit and pursue the claim, including asset location, arbitration, trial representation, obtainment of a judgment and post-judgment enforcement.

Are collection fees legal to be added to the balance owed?

* The information provided on this website does not, and is not intended to, constitute legal advice; instead, all information, content, and materials available on this site are for general informational purposes only. Information on this website may not constitute the most up-to-date legal or other information.

Cedar Financial