Stop MSB Medical Debt Collection Calls
Midwest Service Bureau is a debt collection agency based in Wichita, Kansas, that primarily collects medical debts for hospitals and healthcare providers. While the company is legitimate and has operated since 1970, consumers have reported complaints about excessive phone calls, debt validation issues, and collection attempts for bills already paid by insurance.
Midwest Service Bureau Quick Facts:
- Industry: Medical debt collection
- Headquarters: 625 W Maple St, Wichita, Kansas 67213
- Founded: 1970 (54 years in business)
- BBB Rating: A+ (13 complaints in 3 years)
- Google Rating: 2.3 stars (163 reviews)
- Service Area: Kansas, Oklahoma, Missouri, Arkansas
- Common Complaints: Excessive calling, collecting debts, insurance paid, workplace harassment, validation failures
You keep getting calls from (316) 263-1051 in Wichita, Kansas, about medical bills you thought insurance covered. It’s Midwest Service Bureau – a name you don’t recognize. They say you owe money from a hospital visit, but the insurance explanation of benefits showed everything was paid. Yet MSB keeps calling 8-9 times daily.
When you ask for proof, they promise documentation, but calls don’t stop. Now they’ve called your workplace. Your boss pulled you aside, asking about “urgent financial matters.” You’re embarrassed and frustrated.
If this sounds familiar, you’re dealing with a medical debt collector that may be violating federal law despite their A+ BBB rating and 54 years in business.
Why Is Midwest Service Bureau Calling Me?
Midwest Service Bureau typically calls consumers when a hospital, clinic, or healthcare provider assigns an unpaid medical bill to collections. This may occur if insurance did not cover the full balance, the provider believes a balance remains, or the account was mistakenly sent to collections despite payment. MSB specializes in HIPAA-compliant medical debt recovery and works on contingency, meaning they only get paid when they successfully collect.
Who Is Midwest Service Bureau – Wichita, KS Collection Agency
Midwest Service Bureau (MSB) operates from 625 W Maple St in Wichita, Kansas, specializing in medical debt collection since 1970. They’re legitimate with A+ BBB accreditation, not a scam. However, BBB shows 13 complaints in 3 years, and federal lawsuits suggest their “HIPAA-compliant” collection doesn’t prevent FDCPA violations.
Key details:
- New ownership July 2023
- Operates across Kansas, Oklahoma, Missouri, and Arkansas
- Specializes in healthcare, commercial, utility, and government debt
- Contingency-based (“no recovery, no fee”)
- All services included – no extra fees
The disconnect: They market quality assurance and real-time monitoring, yet consumer complaints and federal lawsuits tell a different story.
Midwest Service Bureau Phone Number – (316) 263-1051
(316) 263-1051 is MSB’s main Wichita number, but they may use variations or additional lines. If you’re receiving calls from Wichita area codes about medical debt, it’s likely from Midwest Service Bureau.
Common number formats you might see:
- (316) 263-1051
- 316-263-1051
- 3162631051
Not the same as IC System: Some people confuse MSB with IC System (ICS Collections), which uses completely different numbers (866-628-7811 for healthcare, 800-279-7244 for other accounts). These are separate companies.
Midwest Service Bureau Complaints
BBB shows 13 resolved complaints against MSB over 3 years. Common themes:
- Excessive calling despite requests to stop
- Collecting on debts, insurance already paid
- Calling workplaces after being told not to
- Continuing collection without validation
Google Business Profile: 2.3-star rating from 163 reviews – significantly below average.
- Reddit discussions describe persistent calling, confusion over medical debts supposedly covered by insurance, and difficulty getting documentation.
- Where to file complaints: The Wood Law Firm, BBB, Consumer Financial Protection Bureau, Kansas Attorney General (ag.ks.gov/file-a-complaint), FTC (reportfraud.ftc.gov).
- Filing complaints creates a record but doesn’t stop calls or recover damages. If MSB violated FDCPA, you may be entitled to damages up to $1,000 plus attorney fees. The Wood Law Firm can help – free case review at +1 844-638-1122.
Midwest Service Bureau Reviews
Google: 2.3 out of 5 stars (163 reviews) – When a collector has an A+ BBB but a 2.3 Google rating, there’s a disconnect.
Common review complaints:
- “Called 10+ times daily after asking them to stop.”
- “Collected on debt insurance paid – wouldn’t listen.”
- “Called my job repeatedly, causing employer issues.”
Reddit threads echo these concerns – difficulty stopping calls, insurance billing confusion, and validation problems.
If you’re experiencing what reviews describe, you may have a case. Call The Wood Law Firm at +1 844-638-1122. We can tell you if MSB’s tactics violate FDCPA.
Federal Lawsuits Against Midwest Service Bureau
Multiple federal lawsuits filed against MSB alleging FDCPA violations:
State Ex Rel. Miller v. Midwest Service Bureau of Topeka, Haskins v. Midwest Service Bureau (2:12-cv-02155-CM-KMH), Johnson v. Midwest Service Bureau (2:10-cv-02633-CM-GLR), Aponte v. Midwest Service Bureau (3:90-cv-00665-WWE).
What these show: Other consumers found MSB’s tactics problematic enough for federal legal action. Multiple lawsuits suggest a pattern, not isolated incidents.
If MSB is harassing you similarly, The Wood Law Firm can help. We’ve stopped collector harassment and recovered damages since 2010. Contingency basis – free consultation: +1 844-638-1122.
How to Stop MSB Medical Debt Calls
Send a written cease-contact demand via certified mail:
[Your Name/Address/Date] Midwest Service Bureau LLC 625 W Maple St, Wichita, KS 67213
Re: Account [number if known]
Cease all contact regarding any alleged debt. Do not call, email, text, or contact me except to confirm receipt or inform of specific legal action you intend to take. Under FDCPA § 1692c(c), you must honor this request.
[Your Signature]
Keep the certified mail receipt. If MSB contacts you after receiving this (except to confirm or notify of a lawsuit), they may have violated federal law. The Wood Law Firm can send cease-and-desist letters at no cost on a contingency basis. Call +1 844-638-1122.
Can MSB Sue Me for Medical Debt?
Yes, if your medical debt is within the Kansas statute of limitations (typically 3-6 years depending on debt type). However, they must follow proper legal procedures – they can’t just threaten lawsuits.
Before MSB can sue:
- Debt must be within the statute of limitations
- They must have proof that you owe it
- They must follow Kansas court procedures for debt collection lawsuits
If they threaten to sue but don’t actually intend to, this may violate FDCPA.
If you receive court documents from MSB, respond immediately. Don’t ignore lawsuits – this results in a default judgment. The Wood Law Firm can defend you and potentially counterclaim for any FDCPA violations during their collection efforts. Free consultation: +1 844-638-1122.
When Medical Debt Collection Crosses Into Harassment
MSB specializes in “HIPAA-compliant” medical debt collection, but HIPAA compliance doesn’t exempt them from FDCPA. Here’s when medical collection may violate federal law:
- Excessive medical debt calling: Calling 7-10+ times daily about hospital bills, even for legitimate debts, may constitute harassment under FDCPA.
- Disclosing medical debt to third parties: If MSB told your family, employer, or others about your medical debt, this may violate both HIPAA medical privacy protections and FDCPA third-party disclosure rules.
- Workplace calls after being told to stop: Calling your job about medical debt after you’ve informed them your employer prohibits personal calls may violate FDCPA.
- Collection without validation: Demanding payment for medical bills without providing proof you owe them – especially when insurance may have covered charges – may violate FDCPA § 1692g.
- Adding unauthorized fees: Charging collection fees, interest, or other amounts not authorized by your original medical provider agreement may be illegal.
Know your rights: Top FDCPA violations, What to say to collectors, FDCPA protections, FCRA rights, Kansas AG complaints, Debt types collectors can pursue.
Client Success Stories
Case 1: Excessive Workplace Calling A client received 8-10 calls daily at work from a medical debt collector. Despite stating their employer prohibited personal calls, calls continued. We documented the pattern and filed an FDCPA lawsuit. Settlement: $1,000 plus workplace contact cease agreement.
Case 2: Third-Party Medical Privacy Disclosure A debt collector discussed a client’s medical debt with their parent, disclosing the amount and provider. This violated medical privacy and FDCPA rules. We obtained witness statements. Settlement: $1,200 with family contact prohibition. Attorney Jeff Wood negotiated.
Case 3: Collection After Insurance Payment. A client was pursued for medical debt, but insurance had paid years earlier. Despite proof, the collector continued to harass. The Wood Law Firm forced validation, and when they couldn’t prove the debt existed, a settlement of $1,500 plus credit report removal.
If experiencing similar harassment, call +1 844-638-1122.
How The Wood Law Firm Stops Medical Debt Harassment
You’ve told MSB nine times that insurance paid the bill. You faxed the explanation of benefits. Yet they keep calling – your cell, work, even your parents.
Medical debt collection doesn’t exempt collectors from FDCPA. If they called excessively, contacted the workplace, discussed debt with family, demanded payment without proof, or violated federal law, you may have a case.
We stop harassment and pursue damages up to $1,000 per violation plus fees. Since 2010, A+ BBB, 14 states. Contingency – you pay nothing unless we win.
Free consultation: +1 844-638-1122.
Related resources: Bill collector harassment guide, Credit bureau reporting rights, Premiere Credit harassment, Credit Adjustment Bureau, Professional Service Bureau, United Credit Recovery, Collection agencies directory.
About Attorney Jeff Wood
Jeff Wood has 18+ years of experience in consumer protection law, specializing in FDCPA cases against medical debt collectors. He’s handled hundreds of cases where collectors violated federal law despite claiming HIPAA compliance and quality assurance procedures. Licensed in Arkansas with an attorney network across 14 states. A+ BBB rating since 2010.
Common Questions About Midwest Service Bureau
1. Is Midwest Service Bureau legitimate or a scam?
MSB is legitimate: A+ BBB rating and operating since 1970. But legitimacy doesn’t excuse FDCPA violations. 13 BBB complaints, 2.3-star Google rating, and federal lawsuits show issues exist. If harassed, call +1 844-638-1122.
2. What is Midwest Service Bureau’s phone number?
(316) 263-1051 is their main Wichita number. However, don’t call them directly if they’re harassing you. Send written cease-and-desist or call The Wood Law Firm at +1 844-638-1122 to handle communication.
3. How do I find Midwest Service Bureau complaints?
Check bbb.org (search “Midwest Service Bureau LLC Wichita KS” – 13 complaints shown). Also check CFPB database, Kansas AG office, and Reddit discussions. Before filing complaints, call us – we can stop harassment AND get you compensation: +1 844-638-1122.
4. What do Midwest Service Bureau reviews say?
Google shows 2.3 stars from 163 reviews. Common complaints: excessive calling, collecting debts insurance paid, workplace harassment, no validation. If experiencing similar issues, reviews confirm you’re not alone. Call +1 844-638-1122.
5. Is MSB the same as IC System or ICS Collections?
No, different companies. IC System uses 866-628-7811 (healthcare) and 800-279-7244 (other). MSB uses (316) 263-1051 from Wichita. Don’t confuse them when disputing debts.
6. Can MSB collect medical debt if insurance has already been paid?
No. If insurance paid, there’s no valid debt. Request validation showing insurance didn’t cover the amount. If they can’t prove you owe after insurance payment, they must stop. We can help: +1 844-638-1122.
7. What if MSB keeps calling after I sent cease-and-desist?
Document every call after they received your letter, then call +1 844-638-1122. Continued contact may violate FDCPA § 1692c(c). We can pursue damages on contingency – you pay nothing unless we win.
8. Can I sue Midwest Service Bureau for harassment?
Yes, within one year of violations. Damages up to $1,000 per lawsuit plus attorney fees (they pay, not you). Federal cases against MSB show precedent. Free case review: +1 844-638-1122.
MSB’s 54 years in business and its A+ BBB rating don’t exempt it from the FDCPA. If they’re harassing you about medical debt, call +1 844-638-1122 to protect your rights.
