In Utah, a medical provider or collector generally cannot report a debt to a credit bureau or start a lawsuit until 45 days after they have provided you with a clear, itemized statement. We enforce this waiting period to ensure you have the time to audit your bills for:

• Upcoding: Charging for a more expensive procedure than you received.

• Unbundling: Separating charges that should be billed as a single, lower fee.

• Double Billing: Identifying instances where both the hospital and the doctor billed for the same service.

Are you being hit with a massive bill from an out-of-network provider you didn’t choose? We use the federal No Surprises Act to challenge illegal “balance billing” for emergency services or at in-network facilities.

If a medical debt collector is calling you at work, threatening your credit, or using profane language, they are breaking the law. We stop the calls immediately and can often sue the collector for up to $1,000 in statutory damages, plus our attorney’s fees.

As of 2026, many medical debts under $500 are prohibited from appearing on your credit report. We help you dispute and remove inaccurate, outdated, or “paid-in-full” medical records from your Equifax, Experian, and TransUnion files.