Medical Revenue Service (MRS) is a legitimate third-party medical debt collection agency that works on behalf of hospitals, clinics, and healthcare providers to collect unpaid medical bills.
Joe Mahlow, Certified Repair Expert and Owner of ASAP Credit Repair Counselor & Consumer Rights Advocate
17+ years experience helping consumers navigate debt collection and credit repair
If you’ve ever answered a call from an unfamiliar number only to hear “Medical Revenue Service” on the line, or opened a letter with their name stamped across it, you’re far from alone.
Every year, thousands of Americans find themselves facing questions like: “Is this real?” “Do I actually owe money?” and “What can I do next?”
On today’s blog, we’re unpacking everything you need to know about MRS, who they are, how to verify if the debt is legit, and what steps you can take to protect your rights and your wallet.
Quick Reference: Medical Revenue Service At-a-Glance
What You Need to Know | Details |
| What is MRS? | Legitimate medical debt collector operated by Medical Data Systems (MDS) |
| Location | Charlotte, NC |
| Registered Address | 10130 Mallard Creek Rd Ste 300, Charlotte, NC 28262 |
| Main Address | 10926 David Taylor Dr Suite 120, Charlotte, NC 28262 |
| Website | meddatsys |
| Payment Portal | Available through meddatsys |
| Is it legitimate? | Yes, but verify all debt claims independently |
| First Step if Contacted | Request written debt validation - DO NOT PAY immediately |
| Your Rights | 30 days to dispute, right to stop contact, protection from harassment |
| Credit Impact | Can damage score, but new 2025 rules limit medical debt reporting |
What Is Medical Revenue Service?
First up: Who or what is Medical Revenue Service? You might see “MRS” on your caller ID or your mail, but behind those initials sits a Charlotte, North Carolina–based agency officially known as Medical Data Systems, Inc. (that’s the parent company).
MRS, just like Frost Arnett, specializes in one thing: collecting unpaid medical bills on behalf of hospitals, clinics, and medical practices.
Imagine your doctor’s office hands off your past‑due account, and one day you wake up to calls and letters from this third‑party collector. That’s MRS at work. Sometimes purchasing debts outright, sometimes acting as the middleman, but always focused on recovering money for healthcare providers. Major healthcare systems like Atrium Health have been confirmed to use MRS for debt recovery, according to local news investigations by WSOC-TV.
Key Facts About MRS:
- Parent Company: Medical Data Systems (MDS) - industry leader for over 30 years
- Specialization: Medical debt collection and healthcare receivables management
- Geographic Reach: Nationwide operations
- Technology: Uses artificial intelligence and robotic process automation
- Certifications: SOC2 Type II Certification for data security
- Complaint Volume: 334+ BBB complaints, 1,200+ CFPB complaints
Why Should You Worry About Medical Revenue Service
Now, you might be thinking, “Okay, so they’re just another collection agency. Big deal.” But here’s why it matters:
- Stress and Confusion: Medical bills are notoriously opaque, codes, insurance adjustments, surprise charges. So when MRS reaches out, many people aren’t even sure what they’re being billed for.
- Potential Reporting: Unpaid medical collections can end up on your credit report and drag down your score for years.
- Your Rights: Under federal law, you have specific protections when a debt collector comes calling. But those rights only help you if you know them.
Is Medical Revenue Service Legitimate or a Scam?
Medical Revenue Service is legitimate - it's not a scam. However, legitimacy doesn't mean they're immune to errors or that every debt claim is valid.
Consumer protection agencies and financial experts confirm MRS operates as a real debt collection agency subject to federal laws. However, the high volume of consumer complaints (over 1,500 across BBB and CFPB platforms) suggests frequent issues with billing errors and collection practices.
Legitimacy Indicators:
- Licensed debt collection agency
- Works with established healthcare systems
- Subject to FDCPA regulations
- Listed in industry databases
Red Flags to Watch:
- Not BBB accredited
- High complaint volume about disputed debts
- Frequent billing error report
- Harassment allegations in consumer complaints
Bottom Line: Always verify any debt claim independently, regardless of the collector's legitimacy.
How Do I Verify a Debt from Medical Revenue Service?
Never pay immediately upon contact. Federal law gives you specific rights to verify and dispute any claimed debt. Follow this step-by-step process:
Step 1: Demand Written Debt Validation
Under the Fair Debt Collection Practices Act (FDCPA), MRS must send you a validation notice within 5 days of first contact containing:
- Statement identifying them as a debt collector
- Original creditor's name (hospital/clinic)
- Your account number
- Itemized balance breakdown
- Your dispute rights information
If this information isn't provided automatically, it's a major red flag.
Step 2: Send Written Debt Verification Request
Within 30 days of first contact, send a certified letter requesting complete debt verification. During this 30-day period, MRS must pause all collection activities. Request:
- Complete medical records for claimed services
- Original signed patient agreement
- Payment history and account statements
- Chain of assignment documentation
- Proof of their authority to collect
Step 3: Contact Your Healthcare Provider Directly
This is crucial: Independently contact the original healthcare provider's billing department. Ask:
- "Do you show any unpaid balance on my account?"
- "Do you use Medical Revenue Service for collections?"
- "What is the exact amount owed and for what specific services?"
Real Case Study: A patient contacted Atrium Health directly about an MRS collection claim and discovered their actual balance was $0 - the collection attempt was erroneous.
Step 4: Review Your Personal Records
Cross-reference your documentation:
- Insurance Explanation of Benefits (EOB) statements
- Payment receipts and bank statements
- Previous healthcare provider correspondence
- Insurance claims and approvals
Step 5: Check Statute of Limitations
Verify the debt isn't time-barred under your state's statute of limitations. If expired, collectors cannot legally sue or threaten legal action, even if the debt is technically valid.
How Do I Contact the Medical Revenue Service?
Always use official contact channels to avoid scammers impersonating MRS:
Official Contact Information:
- Online Services: Available through main website
- Registered Address: 10130 Mallard Creek Rd Ste 300, Charlotte, NC 28262
- Mailing Address: 10926 David Taylor Dr Suite 120, Charlotte, NC 28262
Communication Best Practices:
- Always communicate in writing when possible
- Keep copies of all correspondence
- Use certified mail for important communications
- Record phone conversation dates and representative names
Can Medical Revenue Service Sue Me?
MRS rarely pursues lawsuits against debtors, according to consumer law firms. However, they legally can sue for legitimate debts within the statute of limitations.
What MRS Cannot Do Without a Court Judgment:
- Garnish your wages
- Freeze your bank accounts
- Seize your property
- Threaten arrest or jail time
If They Do Sue:
- Respond to any court summons immediately
- Consider consulting a consumer rights attorney
- Verify the debt is legitimate and within statute of limitations
- Explore settlement options before judgment
What Are Common Medical Revenue Service Complaints?
Based on BBB and CFPB complaint data, consumers frequently report:
1. Persistent Harassment and Illegal Calling
- Frequent robo-calls and automated messages
- Calls outside permitted hours (before 8 AM or after 9 PM)
- Continued calling after written cease-and-desist requests
Your Rights: Debt collectors must identify themselves and can only call during permitted hours per CFPB guidelines.
2. Billing Errors and Documentation Issues
- Collection attempts for already-paid bills
- Mysterious fees and unexplained charges
- Refusal to provide adequate documentation
Example: BBB complaints describe MRS adding unexplained "$38 insurance offset" charges without proper justification.
3. Invalid or Disputed Debts
- Pursuing bills covered by insurance
- Collecting on debts outside statute of limitations
- Bills that should have been covered by financial assistance
Research Finding: CFPB studies confirm medical debt collectors frequently target bills already satisfied through insurance or patient aid programs.
How Does Medical Revenue Service Affect My Credit Score?
MRS collections can significantly damage your credit score, but major changes are coming in 2025.
Current Credit Impact:
- Medical collections typically lower credit scores by 50-100 points
- Collection accounts remain on credit reports for up to 7 years
- Even small medical debts can have disproportionate creditworthiness impact
Major 2025 Changes: New CFPB Rules
The Consumer Financial Protection Bureau finalized new rules in January 2025 removing most medical debts from consumer credit reports:
✅ Medical collections under $500: Automatically removed
✅ Paid medical collections: Deleted from reports
✅ Insurance-covered debts: Cannot appear on credit reports
✅ Credit pressure tactics: No longer effective for medical debt
How to Remove MRS from Credit Reports Now:
Before New Rules Take Full Effect:
- Pull free credit reports from AnnualCreditReport.com
- Verify accuracy of all MRS entries
- Dispute errors with credit bureaus using CFPB sample letters
- Consider "pay-for-delete" negotiations
- Document all communications
Related Story: NPAS Solutions on Your Credit Report: What You Need to Know (and How to Remove It)
What If the Medical Revenue Service Debt Is Too Old?
Old debts may be uncollectable due to your state's statute of limitations on debt collection.
Statute of Limitations by State (Common Examples):
- California: 4 years
- Texas: 4 years
- Florida: 5 years
- New York: 6 years
- Check your state: Varies from 3-10 years
Important Notes:
- Collectors cannot sue for time-barred debts
- Making payments can "restart" the statute clock
- Old debts can still appear on credit reports (until new rules take effect)
- Collectors may still attempt collection on old debts
Tip: Never acknowledge or make payments on very old debts without consulting an expert first.
How to Stop Medical Revenue Service from Calling
You have the legal right to stop debt collector calls under the FDCPA.
Method 1: Written Cease and Desist
Send a certified letter stating: "I am requesting that you cease and desist all communication with me regarding this alleged debt." After receiving your letter, MRS can only contact you to:
- Confirm receipt of your request
- Notify you of specific legal actions
Method 2: Verbal Phone Request
Tell them directly: "I am invoking my right under the FDCPA to cease and desist all communication." Follow up in writing.
Method 3: Dispute the Debt
Send written debt validation requests, which temporarily stops collection during the 30-day verification period.
Recommended Read: FCR Services on Your Credit Report: What You Need to Know (and How to Remove It)
When Should I Consult an Attorney About Medical Revenue Service?
Consider legal consultation if:
- MRS uses illegal collection tactics (threats, harassment, calling after cease-and-desist)
- They've withdrawn money from accounts without authorization
- You're facing a lawsuit or wage garnishment threats
- You believe you're a victim of systematic FDCPA violations
- The debt amount is substantial (over $10,000)
Consumer Rights Violations Can Result In:
- Statutory damages up to $1,000 per violation
- Actual damages for financial harm
- Attorney fees paid by the collector
- Removal of negative credit reporting
Many consumer attorneys offer free consultations and work on contingency for debt collection cases.
Frequently Asked Questions About Medical Revenue Service
How do I know if Medical Revenue Service is really calling me?
Verify by calling their official number (888-773-2255) independently. Scammers often spoof phone numbers, so never provide personal information to inbound callers until you've confirmed their legitimacy through official channels.
Can Medical Revenue Service garnish my wages without a lawsuit?
No. Debt collectors cannot garnish wages, freeze accounts, or seize property without first obtaining a court judgment. Threats of immediate wage garnishment are illegal under the FDCPA.
What if I already paid the medical bill directly to the hospital?
Contact the original healthcare provider immediately to confirm your payment status. If you have proof of payment, send copies to MRS and demand they cease collection. Pursuing already-paid debts is a common collector error.
Should I negotiate with Medical Revenue Service or the original provider?
Generally, negotiate with the original healthcare provider first. Hospitals often have financial assistance programs, payment plans, and hardship options that collectors don't offer. Only negotiate with MRS if the original provider has formally assigned or sold the debt.
Can Medical Revenue Service report to credit bureaus after I dispute the debt?
No. During your 30-day dispute period, collectors must pause all collection activities, including credit reporting. If they report disputed debts to credit bureaus, it's an FDCPA violation you can sue for.
What happens if I ignore Medical Revenue Service completely?
Ignoring legitimate debts can lead to escalation, potential lawsuits, or credit damage. However, if the debt is invalid, time-barred, or you've sent proper cease-and-desist letters, you may have valid reasons to avoid contact. When in doubt, consult a consumer attorney.
How long does Medical Revenue Service keep trying to collect a debt?
There's no set time limit, but practical factors limit collection efforts. Most collectors focus on newer debts (under 2-3 years old) and accounts with higher balances. State statute of limitations laws prevent lawsuits on older debts, though collectors may still attempt collection.
Take Control of Your Medical Revenue Service Situation
Dealing with Medical Revenue Service doesn't have to be overwhelming when you understand your rights and take systematic action. The key is verification first, payment second - never the reverse.
Your Action Plan:
- Demand written debt validation within 5 days of contact
- Verify independently with your healthcare provider
- Exercise your dispute rights within 30 days if needed
- Document everything throughout the process
- Know when to seek professional help for complex situations
Key Protections Working in Your Favor:
- FDCPA Rights: Comprehensive protection from abusive collection practices
- New 2025 Credit Rules: Major limitations on medical debt credit reporting
- State Laws: Additional consumer protections and statute of limitations
- Healthcare Provider Policies: Many offer financial assistance and payment plans
Remember: You have more control in this situation than debt collectors want you to believe. Stay informed, assert your rights, and don't let collection pressure drive you into hasty financial decisions.
Overwhelmed by medical debt? ASAP Credit Repair will dispute errors and boost your score, contact us now.
Disclaimer: This guide provides educational information and should not be considered legal advice. Consult qualified professionals for assistance with your specific situation.
Sources: Information compiled from the Consumer Financial Protection Bureau, Federal Trade Commission, Better Business Bureau complaint databases, verified news investigations by WSOC-TV, consumer law firms and authoritative financial education resources.