What is Marcam Associates? How to Settle Medical Debt
Marcam Associates collects medical debts for healthcare providers. You have the right to request debt validation and negotiate settlement. If they sue you, responding with a proper Answer protects you from default judgment and gives you leverage to settle.
Answer Marcam's LawsuitMarcam Associates is a debt collection agency based in New Hampshire. They specialize in collecting medical debts for healthcare providers and hospitals.
You have rights when dealing with them. You can request debt validation before paying anything. You can settle your debt to avoid legal trouble. You can fight back if they sue you.
Marcam Associates Filed a Lawsuit Against You?
Don't let Marcam Associates win by default. Our partner Solo helps you respond to their lawsuit properly and settle before your court date.
Respond to LawsuitHere’s everything you need to know about Marcam Associates and how to handle their collection attempts.
What is Marcam Associates?
Marcam Associates is a legitimate debt collection agency. They’ve been in business for nearly 40 years. The company is female-owned and focuses exclusively on medical debt collection.
Here’s how to contact Marcam Associates:
- Address: PO Box 60, Rochester, NH 03866-0060
- Phone Number: 800-638-1005
- Email: helpdesk@marcamassociates.com
Marcam Associates works with healthcare companies to collect unpaid medical bills. Their services include self-pay billing, bad debt collections, payment portals, and denial management.
Why is Marcam Associates Calling You?
Marcam Associates is calling because you have an outstanding medical debt. Healthcare providers typically send debts to collection agencies after six months of non-payment.
The original creditor gave up on collecting directly from you. They hired Marcam Associates to pursue payment instead.
Who Does Marcam Associates Collect For?
Marcam Associates collects medical debts for hospitals and healthcare companies. They won’t release a list of specific clients. They consider that information private.
If you’re unsure about a debt, you can request validation. More on that below.
Marcam Associates Reviews and Complaints
Marcam Associates has poor customer reviews. They average just 1.5 out of 5 stars on Google reviews.
The Better Business Bureau does not accredit Marcam Associates. The BBB has received dozens of complaints about the company in recent years.
The Consumer Financial Protection Bureau’s database shows complaints linking Marcam Associates to Community Cash Management Corp. The exact relationship between these entities is unclear.
Your Rights When Marcam Associates Contacts You
The Fair Debt Collection Practices Act protects you from abusive collection tactics. Debt collectors like Marcam Associates cannot:
- Discuss your debt with friends, family, or coworkers
- Call you repeatedly throughout the day
- Threaten, harass, or abuse you
- Ignore your debt validation requests
- Use profane or abusive language
If Marcam Associates violates these rules, you can report them. File complaints with your state attorney general’s office. Submit reports to the CFPB, BBB, and Federal Trade Commission.
You may qualify for compensation if you prove violations occurred.
Request Debt Validation From Marcam Associates
You have the right to request debt validation. Send a debt validation letter within 30 days of first contact.
A validation letter requires Marcam Associates to prove you owe the debt. They must provide documentation showing the debt amount and original creditor.
Don’t make any payments until you receive proper validation. Paying an invalid debt won’t help your situation.
How to Respond if Marcam Associates Sues You
Marcam Associates may file a lawsuit if you don’t pay. Ignoring a lawsuit is the worst thing you can do. You must respond before your state’s deadline.
Your response is called an Answer. Our partner Solo can help you create and file your Answer properly.
Step 1: Answer Each Claim in the Complaint
The Complaint lists all allegations against you. You must respond to each one. You have three options:
- Admit: You agree the allegation is true
- Deny: You require Marcam Associates to prove the allegation
- Deny for lack of knowledge: You lack sufficient information to answer
Debt experts recommend denying most allegations. Force Marcam Associates to prove their claims in court.
Step 2: Assert Your Affirmative Defenses
Affirmative defenses explain why you shouldn’t pay the debt. Common defenses include:
- Marcam Associates lacks legal standing to collect the debt
- The debt amount is incorrect
- The statute of limitations has expired
- You already paid the debt in full
- Marcam Associates violated your consumer rights
Step 3: File Your Answer and Serve the Plaintiff
Make three copies of your Answer. File one with the court listed in the lawsuit. Send one to Marcam Associates’ attorney. Keep one for your records.
You must file before your state’s deadline. Missing the deadline gives Marcam Associates an automatic win called a default judgment.
Our partner Solo can help you draft your Answer and file it in court.
Negotiate a Settlement With Marcam Associates
Debt settlement can resolve your debt faster. You negotiate to pay less than the full amount owed. Marcam Associates agrees to accept a lump sum payment.
Settlement typically involves paying 40-60% of the original debt. You get the remaining balance forgiven. Marcam Associates stops collection efforts.
Negotiating settlement on your own can be intimidating. Professional help increases your chances of getting favorable terms.
Steps to Settle Your Marcam Associates Debt
Follow these steps to negotiate a settlement:
- Calculate how much you can afford to pay as a lump sum
- Start with a low offer (30-40% of the debt)
- Get any settlement agreement in writing before paying
- Pay only after you receive written confirmation
- Keep all documentation for your records
Never give Marcam Associates direct access to your bank account. Make one-time payments only after finalizing written terms.
What Happens if You Ignore Marcam Associates?
Ignoring Marcam Associates won’t make the debt disappear. The consequences get worse over time.
First, Marcam Associates will continue calling and sending letters. They may increase the frequency of contact.
Second, they may file a lawsuit against you. A lawsuit can result in wage garnishment or bank account levies.
Third, the debt will damage your credit score. Medical debt can stay on your credit report for seven years.
Taking action early gives you more options and better outcomes.
Remove Marcam Associates From Your Credit Report
Marcam Associates may report your debt to credit bureaus. Medical debt can significantly lower your credit score.
You can dispute inaccurate information on your credit report. Review your credit reports from all three bureaus. Look for errors in the debt amount, dates, or account status.
File disputes directly with the credit bureaus. They must investigate and correct any errors within 30 days.
After settling your debt, request a “pay for delete” agreement. Marcam Associates removes the debt from your credit report in exchange for payment.
Get any pay-for-delete agreement in writing before paying. Not all collectors will agree to these terms.