MiraMed Revenue Group on Your Credit Report? What to Do Next
MiraMed Revenue Group is a legitimate medical debt collector, but you don't have to accept their first demand. Validate the debt first, then negotiate aggressively—most medical collections settle for 30-40% of the balance. Get everything in writing before you pay.
Get Free AnalysisYou checked your credit report and found a name you don't recognize: MiraMed Revenue Group. Your credit score dropped 80 points. Now you're getting calls from an 800 number.
This happens more often than you'd think. A 2022 CFPB study found that 43 million Americans have medical debt in collections. MiraMed specializes in collecting unpaid medical bills—those surprise ER charges, lab work your insurance denied, or hospital stays where coverage fell short.
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Get Free AnalysisThe good news: you have specific rights when dealing with medical debt collectors, and you can remove this account from your credit report if you act quickly. Here's exactly what to do.
What Is MiraMed Revenue Group?
MiraMed Revenue Group is a third-party collection agency based in Lombard, Illinois. They buy medical debt from hospitals, clinics, and labs,often for pennies on the dollar,then try to collect the full amount from you.
Founded in the late 1990s, MiraMed has been BBB-accredited since 2013. But accreditation doesn't mean they play fair. The Consumer Financial Protection Bureau lists over 200 consumer complaints against MiraMed, with common issues including:
- Attempting to collect debts already paid
- Calling about medical bills the consumer never incurred
- Reporting inaccurate amounts to credit bureaus
- Failing to provide proper documentation when requested
If MiraMed shows up on your credit report, they've either purchased your debt or are collecting it on behalf of a healthcare provider. Either way, you're now dealing with a professional collector, not the original billing department.
Validate the Debt Before You Pay Anything
This is the single most important step. Do not send MiraMed money until they prove you actually owe it.
Under the Fair Debt Collection Practices Act, you have 30 days from their first contact to request debt validation. Send a debt validation letter via certified mail to:
MiraMed Revenue Group
360 E 22nd St
Lombard, IL 60148
Ask them to provide:
- The name and address of the original creditor
- The original debt amount and date of service
- Itemized charges from the healthcare provider
- Proof that they own the debt or are authorized to collect it
- Documentation showing you received the medical service
Once MiraMed receives your validation request, they must stop all collection activities until they send you this proof. If they can't provide it, they're legally required to remove the account from your credit report.
About 1 in 5 validation requests result in the debt being removed entirely, either because the collector lacks documentation or because the debt belongs to someone else.
What If the Debt Isn't Yours?
Medical billing errors are shockingly common. A 2020 study found mistakes in 80% of medical bills. You might be looking at:
- Services billed to the wrong patient
- Charges for procedures you didn't receive
- Bills your insurance already paid
- Duplicate charges
- Identity theft
If MiraMed is collecting on debt that isn't yours, send a dispute letter to all three credit bureaus. They have 30 days to investigate. If MiraMed can't verify the debt, the bureaus must remove it.
Negotiate a Settlement (Even If the Debt Is Valid)
Let's say MiraMed validates the debt and it's legitimate. You still have leverage.
Medical debt collectors typically buy accounts for 4 to 8 cents on the dollar. If your bill is $5,000, MiraMed probably paid $200-$400 for it. Anything they collect above that is profit.
Start by offering 25-30% of the balance as a lump sum. If you owe $5,000, offer $1,500. Many collectors will accept 40-50% to close the account quickly. Get the agreement in writing before you send money. The letter should state:
- The settlement amount
- That this payment resolves the debt in full
- That MiraMed will report the account as "paid" or delete it from your credit report
Never give MiraMed direct access to your checking account. Pay via certified check or money order so you have proof of payment.
Payment Plans Are Also an Option
If you can't afford a lump sum, MiraMed may agree to monthly payments. Just know that the account will stay on your credit report until it's paid in full. And if you miss a payment, they can restart collection calls or even file a lawsuit.
Before agreeing to a payment plan, calculate whether you could settle for less by saving up for 3-6 months. The longer debt sits in collections, the more willing collectors are to negotiate.
Remove MiraMed from Your Credit Report
A collections account can drop your credit score by 50-100 points and stay on your report for seven years. But you can potentially remove it sooner.
Option 1: Pay-for-Delete Negotiation
Offer to pay the debt (in full or as a settlement) in exchange for MiraMed deleting the account entirely. About 30-40% of collectors agree to this, especially if you're offering a lump sum.
Get it in writing first. Once they cash your check, you've lost your leverage.
Option 2: Dispute Inaccurate Information
Check your credit report carefully. If MiraMed listed the wrong amount, wrong date, or wrong account status, file a dispute with Experian, Equifax, and TransUnion. Even small errors can get the account removed.
Option 3: Wait for New Medical Debt Rules
As of March 2023, the three major credit bureaus no longer report medical debts under $500. If your balance is close to that threshold, you might negotiate down and get it removed automatically.
Also, paid medical collections are now removed immediately instead of staying on your report for seven years. If you pay MiraMed in full, the account should disappear within 30 days.
Know Your Rights Under the FDCPA
Debt collectors must follow strict rules. MiraMed cannot:
- Call you before 8 a.m. Or after 9 p.m. In your time zone
- Contact you at work if you've told them your employer prohibits it
- Discuss your debt with anyone except you, your spouse, or your attorney
- Threaten arrest, wage garnishment, or lawsuits they don't intend to pursue
- Use profane or abusive language
- Call repeatedly to harass you
If MiraMed violates any of these rules, document everything. Note the date, time, and what was said. You can sue them for up to $1,000 in statutory damages plus attorney fees. Many consumer rights attorneys take these cases on contingency, meaning you don't pay unless you win.
Report violations to the CFPB at consumerfinance.gov and your state attorney general's office. Even if you don't sue, these complaints create a paper trail that can help in future negotiations.
What If MiraMed Sues You?
Medical debt lawsuits are less common than credit card lawsuits, but they happen. If you're served with a summons, you have 20-30 days to respond (check your state's deadline).
Do not ignore a lawsuit. If you don't respond, MiraMed wins by default and can garnish your wages or freeze your bank account.
Your response should include:
- A general denial (you're not admitting you owe the debt)
- Affirmative defenses (statute of limitations, lack of documentation, etc.)
- A demand that they prove you owe the debt
Many collection lawsuits fall apart because the collector lacks proper documentation. If they can't produce the original contract or itemized billing, the case gets dismissed.
Even if the debt is valid, you can still negotiate. Offer a settlement for 40-60% of the balance. Collectors often accept less rather than drag out a court case.
If you're dealing with a lawsuit or considering bankruptcy, our free bankruptcy screener can help you understand your options in under 3 minutes.
Contact Information for MiraMed Revenue Group
You'll need this if you're sending a validation letter or negotiating a settlement:
Phone: 800-837-2458
Address: 360 E 22nd St, Lombard, IL 60148-4924
Email: contact@miramedrg.com
Website: miramedrg.com (includes a contact form)
Send all written correspondence via certified mail with return receipt requested. This proves they received your letter and starts the legal clock.
Should You Just Pay It?
Not necessarily. Even if the debt is legitimate, paying immediately means you lose negotiating power. And unless you negotiate a pay-for-delete, a paid collections account still hurts your credit for years.
The smarter approach:
- Validate the debt to confirm it's yours and accurate
- Check if the statute of limitations has expired (typically 3-6 years depending on your state)
- Negotiate either a settlement or pay-for-delete agreement
- Get everything in writing before sending money
If the debt is old and you're close to the statute of limitations expiring, paying can actually reset the clock. Once the statute expires, MiraMed can't sue you (though the debt can still appear on your credit report for seven years from the original delinquency date).
What Happens If You Do Nothing?
Ignoring MiraMed won't make them disappear. Here's what typically happens:
Months 1-3: Frequent phone calls and letters. Your credit score drops as the account is reported to bureaus.
Months 3-6: Calls may slow down, but the account stays on your credit report. They may sell the debt to another collector.
Months 6-12: If the amount is large enough (typically over $1,000), MiraMed may file a lawsuit.
After 7 years: The account falls off your credit report. But if they got a judgment, that can last 10-20 years in most states.
You're better off addressing this now. Even negotiating a small settlement is better than letting it potentially turn into a lawsuit or wage garnishment.
When Bankruptcy Makes Sense
If MiraMed is one of several collection accounts, and your total unsecured debt exceeds $10,000, bankruptcy might actually be the cleanest solution.
Medical debt is dischargeable in both Chapter 7 and Chapter 13 bankruptcy. Once you file, MiraMed must stop all collection activity immediately. The entire debt gets wiped out, usually within 3-4 months in Chapter 7.
Bankruptcy does hurt your credit short-term,you'll see a 150-200 point drop initially. But if your score is already damaged by collections, the actual impact is much smaller. And you can start rebuilding immediately after discharge.
Our bankruptcy guide walks through the process step-by-step if you want to explore this option. For most people with significant medical debt, it's worth at least understanding the math.
The Bottom Line
MiraMed Revenue Group is a legitimate collector, but you don't have to accept their first demand. Validate the debt, negotiate aggressively, and document everything. Many people settle medical collections for 30-40 cents on the dollar or get them removed entirely through credit disputes. Whatever you do, don't ignore it,and don't pay without a written agreement that protects your credit.