Industry
Medical & Healthcare Debt Recovery
Outstanding medical bills, unpaid healthcare services and hospital or clinic invoices
Healthcare debt recovery demands sensitivity, compliance and a patient-first approach. DECOL manages outstanding medical bills, hospital and clinic invoices, and patient account balances — working with providers to protect their reputation while recovering receivables responsibly.
Typical debts we recover
Outstanding medical billsUnpaid healthcare servicesHospital and clinic invoicesPatient account management
Recovery timeline
1
Patient balance verification 1–7 days
Confirm insurance gaps, copays and patient liability
2
Compliant patient outreach 7–30 days
Respectful communication, payment options explained
3
Payment plan or charity-care review 30–90 days
Structured plans, financial-assessment screening
4
Escalation (selected accounts) 90+ days
Legal escalation only where appropriate and permitted
Statute of limitations
| Debt type | Period | Note |
|---|---|---|
| Medical debts (most EU) | 3–10 years | Varies by jurisdiction and contract type |
| UK medical debts | 6 years | Limitation Act 1980 |
| US-style medical (if applicable) | 3–6 years | State-specific |
Sector challenges
- •Patient sensitivity and reputational risk
- •Insurance coordination and balance billing complexity
- •Charity-care and hardship-program eligibility
DECOL approach
- •Compassionate, compliant patient communication
- •Insurance reconciliation and denial-appeal support
- •Flexible payment plans and hardship-forgiveness pathways