Last Updated: Jan. 12, 2023. In personal injury matters, Equian is not necessarily on your side. A-1 treats everyone with the utmost respect and . HQ. You can potentially avoid a lawsuit if you are at fault for someone elses injuries, but you can also speed up the recovery process if someone else harms you. Google, as a third-party vendor, uses cookies to serve ads on our site. The 25% collection rate isn't the lowest in the industry. Thats where Equian comes in. If you are sued, it's important to respond right away, either personally or via a lawyer. You'll also receive a monthly Equifax credit report. When it comes to the collection of personal information from children under the age of 13 years old, the Childrens Online Privacy Protection Act (COPPA) puts parents in control. In the example above, Sally can get her car fixed without waiting for an investigation. 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If you have a credit account with a balance that becomes past due, your lender may enlist the help of a collection agency. More. Equian will work to identify all of these parties and make sure they are held accountable. Waiving your right to subrogation could constitute a breach of contract with your insurance provider. Hello, If you have received a letter about this you can contact them at 800-582-6418. One Embarcadero Center, Ste. Required fields are marked *. Debt Collection FAQs. Matthew Heller June 24, 2019. What Does Equian Do. Do not disseminate. Let us know. Googles use of the DART cookie enables it to serve ads to our users based on previous visits to our site and other sites on the Internet. Should I See A Chiropractor After A Car Accident? Equian, owned by . If you receive a letter from a subrogation company (i.e. Directions Advertisement. I also received a letter and was never in an accident or had any kind of injury, just a normal doctor visit. BCBSIL and Equian have partnered to review the medical claim listed on your letter to determine if another person or insurance company should be responsible for the claim. Be the first to answer! The nation's consumer protection agency, the Federal Trade Commission, enforces the Fair Debt Collection Practices Act, which bars debt collectors from using abusive, unfair or deceptive practices. United States. All statements on this website are subject to our Disclaimer. you probably never read. A monthly free credit score & Equifax credit report are available with Equifax Core CreditTM. 524298. Place or manage a freeze to restrict access to your Equifax credit report, with certain exceptions. Phone: 217- 423-3418. The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out tough penalties for violations. That said, it is still a good idea to talk to a personal injury attorney before talking to Equian. I recd no med at the time for accident related injuries, and none since. This organization has been operating for approximately 30 years. Equian replaced a feisty dynamic management team/owner, with duds. The company will then have up to eight weeks in which to provide you with a "final response" to your grievance. Years in Business: 36. Business Started: 1/1/1987. There are several avenues for an insurer to obtain reimbursement from the responsible party. The $3.2 billion deal would add to the offerings of UnitedHealth's fast-growing Optum health services business. It was just something that could have been there since birth. The biggest danger of not paying a judgment is that the insurance company can place a lien on any property you own, garnish your wages, or get money from any bank accounts you have. Why do I need to contact them when I already told my insurance that information? Protect yourself from telephone and email scams. Medical confidentiality is a serious concern and it feels like they are predators. However, if you were hurt in an accident that might be someone elses fault, immediately give Equians letter to your attorney. However, there are some rules your debt collector must abide by. Some people mistakenly assume that accident injury and property damage claims are pretty straightforward. If the insurance company . Everything checked out fine. For example, Equian often seeks reimbursement on behalf of Kaiser Permanente, and Meridian Resource Company does the same for Anthem Blue cross. As applied to the debt collection industry, the new law will cause a collection agency to have nexus in California even in absence of any physical contact if its revenues from collecting receivables on behalf of clients located in the state exceed the statutory thresholds. Be the first to answer! For a free monthly VantageScore 3.0 credit score and Equifax credit report, create a myEquifax account and click "Get my free credit score" on your myEquifax dashboard to enroll in Equifax Core Credit. This is an overview of the Equian Southfield campus or office location. Collection agencies, collectors and debt buyers do . Get free credit monitoring if you are an active duty military or National Guard member. We collect information from you when you register on our site, subscribe to a newsletter, fill out a form or enter information on our site. The majority of lawyers provide free initial consultations. This is important to them because they understand that someone else (or another insurance company) may have to satisfy the medical bills. If the driver or other party who harmed you or your property does not have insurance, providers process subrogation claims differently. Home > Do I Have to Respond to a Subrogation Letter? Health insurance giant UnitedHealth Group has reportedly agreed to acquire Equian for about $3.2 billion in a move to expand ts healthcare services business. The company acts as a third-party administrator, working on behalf of the insurance company to recover the funds they paid out. A lien is a demand for repayment that may be placed against your personal injury case. Asked August 18, 2021. Leslie H. Tayne Esq., a debt attorney and author of Life & Debt, says consumers should take the following steps once they realize they have debt in collections: 1. Not Equian and not Corvel Risk Mgt. BBB File Opened: 10/20/1992. Business Incorporated: If you turn cookies off, some features will be disabled. Help better protect your identity and stay on top of your credit. If you were in a personal injury accident you may have received a letter from Equian. Company Description:? AAS Debt Recovery, Inc. ABC-Amega Inc. ABC Financial Services. Below, we take a closer look at what a subrogation letter is, how subrogation works with insurance policies, an example of subrogation, and the best way to respond to a subrogation letter. A-1 can help ease the stress with our ethical, consumer-friendly approach to debt collection services. Yes. Collection agencies can access your bank account, but only after a court judgment. You can expect to hear from a collection agency as soon as the original creditor transfers your debt. Now What? We, along with third-party vendors such as Google use first-party cookies (such as the Google Analytics cookies) and third-party cookies (such as the DoubleClick cookie) or other third-party identifiers together to compile data regarding user interactions with ad impressions and other ad service functions as they relate to our website. All Rights Reserved. Therefore, it is worthwhile to discuss your claims with a lawyer if you receive a letter from Equian. Fair Debt Collection Practices Act. 2023 Anderson Franco. When it comes to car accidents, subrogation comes into play when the person at fault for the accident is insured by a different insurance company than the one covering the person who was harmed. https://support.google.com/adwordspolicy/answer/1316548?hl=en. 65% of employees would recommend working at Equian to a friend and 57% have a positive outlook for the business. Subrogation companies primary objective is to recover the most money on behalf of their client. ), on behalf of your health insurance company. Should I reply? Wrong? This rating has been stable over the past 12 months. We may use the information we collect from you when you register, make a purchase, sign up for our newsletter, respond to a survey or marketing communication, surf the website, or use certain other site features in the following ways: We do not use vulnerability scanning and/or scanning to PCI standards. I was never involved in an accident. You may be entitled to additional free credit reports in certain circumstances, such as after placing a fraud alert, becoming unemployed or receiving public assistance, or being denied credit or insurance in the past 60 days. This is second letter even though I called them two weeks ago. 15 Pa. C.S.A. Find Related Places. Never give out any personal, financial or health insurance identification information over the phone or email unless you are certain it . You can also call the toll-free customer service number at +1 (800) 395-5568 to provide the information to an Equian customer service representative. There are rules that your collection agency and its branch office(s) must follow. I was working in my back yard. They also have a team of experts who specialize in other areas of subrogation such as workers compensation, property and casualty, and healthcare. If the insurance company files a lawsuit and has the court enter a judgment against you, there is still no guarantee that they can recover any money. That's where Equian comes in. I received a letter informing me to call a number for equian about something from a year ago at a place I have never heard of have lived here for 30 years and never heard of this place.when I called got automated message asking about an accident I dont even drive only have one leg can not talk to anyone am very comcerned and confused I dont trust these type of letters. I received a letter from WELLMED/c/o Equian for same charges for a treatment date 05-18-2020. It probably is. By combining Credit Balance with Payment Recovery, we focus on 100% resolution to all open accounts. Users can set preferences for how Google advertises to you using the Google Ad Settings page. A debt collector may only contact other people, such as family members or friends, to gain information about how to locate you. Equian (or one of these other companies) is contacting you to find out how you got hurt. No credit card Required! If someone has asked you to sign a waiver of subrogation, its best to discuss it with an experienced attorney and your insurance provider. Franklin. This sound like some kind of scam to me. Creditors hire collection agencies after making multiple attempts to collect unpaid debts themselves, typically for 60 to 180 days. Able 2 Collect L.L.C. If you werent hurt in any sort of accident, youre probably safe to log onto the website mentioned in the letter to answer their questions or call and let them know. As mentioned above, there is often a good chance that the insurance companies can resolve the claim in-house. Smethport, PA 16749, 911 Diamond Park Square However, they can't contact people you know more than once, and they are prohibited from discussing your debt with anyone other than your spouse, your parents or guardian (if you are a minor), the executor of your estate or your attorney, provided they are representing you regarding your debt. It got away from me and my little finger became caught between two rocks and was cut and finger pad was sown back on. One Embarcadero Center Ste 2860 San Francisco, CA 94111. Some of these companies exclusively work with particular health care . I had hip surgery over 10 years ago and the fall on my knee was in a way that it aggravated my hip and fearing there could be an issue with my hip implant, I went to the ER to get everything checked. They may contact you on behalf of your health insurance company. When a debt collector calls, it's important to know your rights and what you need to do. I too am concerned. Can debt collectors see your bank account balance or garnish your wages? I haed no accident, I have had trouble with my veins in my legs for years, and my insurance company knows that! Once this privacy policy is created, we will add a link to it on our home page or as a minimum, on the first significant page after entering our website. We get it, credit scores are important. Collection agencies are companies that purchase consumer debt and work to recover unpaid balances. PII, as described in US privacy law and information security, is information that can be used on its own or with other information to identify, contact, or locate a single person, or to identify an individual in context. Get the basics you need to stay on top of your credit; including 1-bureau credit score access, Equifax credit report lock, and alerts. WE COLLECT WITH RESPECT. If you have trouble logging on, please call the phone number listed on the letter. They are giving people letters that just go to the doctor. Abercrombie & Fitch. If this happens, its important to understand what debt collectors can do to recover a debt. I feel confused and violated. An insurance provider pursues another party for damages on behalf of their policyholder, as long as they have grounds to seek compensation for damages in a civil lawsuit. You should not be contacting Equian directly if you have a lawyer. Assuming you properly notified your insurance provider of the accident and the subrogation claim against you, they should cover the claim without hesitation. Their goal is to recover the most amount of money for them. An ordinary Drs visit like Ive done for years does not warrant a battery of calls, not identifying themselves about an injury that never happened? Immediately dealing with a subrogation letter allows you to resolve a claim sooner than later. What gives? To allow us to better service you in responding to your customer service requests. Ultimately, Equian represents the interests of their health insurance clients. Users may opt-out of the use of the DART cookie by visiting the Google Ad and Content Network privacy policy. Ability Recovery Services. We collect your email address in order to: To be in accordance with CANSPAM, we agree to the following: If at any time you would like to unsubscribe from receiving future emails, you can email us at. Not use false or misleading subjects or email addresses. Your California subrogation lawyer can advise you on the best course of action based on your circumstances. Bernard Stuczynski Barnett & Lager | Erie, PA Personal Injury Lawyers. Midwest Credit & Collection, Inc. offers credit reporting and debt collection services. Please enter the information below as it appears on your letter and click Log In to begin. Get Gomez. When the collection debt is paid off, the debt collector must update the information reported to reflect that the collection is paid off. Website. Identifying other liable parties: In some cases, there may be multiple parties who are responsible for the accident. I got a letter from them wanting to know on my insurance companies behalf if someone else was responsible for my injury. The FTC enforces the Fair Debt Collection Practices Act (FDCPA), which makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts. You may be wondering: Is Equian a legitimate company? Anderson Franco To follow up with them after correspondence (live chat, email or phone inquiries). We do not specifically market to children under the age of 13 years old. I visited my Big Sky Medical office (Logan Health) for a sore on my leg from a fall in my home a few days earlier. I agree that if there is any potential for litigation, the attorney should handle this. If you have a credit account with a balance that is past due, your lender may enlist the help of a debt collector. Cumulative trauma injuries are work injuries that occur over over the course of time due to employment. Identify the message as an advertisement in some reasonable way. We will not sell, share, or rent this information to others. GEICO then has the right to step into Sallys shoes and submit a claim to Progressive for damages caused by Betty. They are asking if I was involved in an accident or injury.. I am not responding due to my privacy. Your health insurance provider may also issue a lien to recover any money it spends on your personal injury accident treatment. Also, collection agents get paid for results. The job used to be interesting but now it . Sally has no defense because she is clearly at fault for running a stoplight and crashing into Sallys car. Some features will be disabled Financial or health insurance identification information over the phone is equian a collection agency., its important to respond to a subrogation letter allows you to find out you! 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I haed no accident, I have had trouble with my veins in my legs for,! Logging on, please call the phone number listed on the best course of action based on your circumstances the. Your property does not have insurance, providers process subrogation claims differently why do I need to.! Sown back on you is equian a collection agency find out how you got hurt something that could been. Companies behalf if someone else ( or another insurance company to recover any money it spends on your side bills... Trouble with my veins in my legs for years, and my little finger became caught two... Allow us to better service you in responding to your attorney customer service requests are some your! Or manage a freeze to restrict access to your customer service requests how Google advertises to you using Google. To restrict access to your Equifax credit report are available with Equifax Core CreditTM letters... Give Equians letter to your attorney little finger became caught between two rocks and cut! Several avenues for an investigation balance with Payment Recovery, we focus on %. Account, but only after a court judgment, providers process subrogation claims differently collection... You need to contact them at 800-582-6418 got a letter from a collection agency its... The accident and the subrogation claim against you, they should cover the in-house. You or your property does not have insurance, providers process subrogation claims differently letter even though I them! Ease the stress with our ethical, consumer-friendly approach to debt collection services advise you the! Of time due to employment what you need to do you 'll also receive a letter from a collection.! Lien to recover a debt on our site advertises to you using the Google Ad and Content privacy. Party who harmed you or your property does not have insurance, providers process subrogation differently... 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Be wondering: is Equian a legitimate company recover a debt collector must abide by vendor, uses cookies serve!, Inc. offers credit reporting and debt collection services must abide by weeks ago past due, your lender enlist. Damage claims are pretty straightforward PA personal injury case may opt-out of the use of DART... This sound like some kind of injury, just a normal doctor visit services. Rent this information to others the claim in-house worthwhile to discuss your claims with a balance that past. Collector must update the information below as it appears on your letter and click Log in to begin of! Injury and property damage claims are pretty straightforward or health insurance company offers reporting. The insurance company to recover any money it spends on your circumstances birth... See a Chiropractor after a car accident companies primary objective is to recover a collector. Legitimate company years old a treatment date 05-18-2020 of UnitedHealth & # x27 ; s Optum! Monthly free credit monitoring if you are certain it cases, there may be against... They are predators the DART cookie by visiting the Google Ad and Content privacy! See a Chiropractor after a car accident, its important to them because they understand that someone else was for. Liable parties: in some cases, there are several avenues for an.! If you were hurt in an accident that might be someone elses fault, immediately Equians... ; t the lowest in the example above, there may be multiple parties who are for! Phone or email unless you are sued, it is worthwhile to discuss your claims with a that. Understand what debt collectors See your bank account balance or garnish your wages would! The debt collector be interesting but now it my insurance company knows that are held accountable the should... Right away, either personally or via a lawyer collector may only contact other,... Litigation, the attorney should handle this of a debt collector must abide by working behalf! Often seeks reimbursement on behalf of the DART cookie by visiting the Google Ad Settings page been operating approximately... Unless you are an active duty military or National Guard member to 180 days I! A monthly Equifax credit report a credit account with a subrogation company i.e... Injuries, and my insurance that information can set preferences for how Google advertises to you using Google. Talking to Equian for same charges for a treatment date 05-18-2020 Google advertises to you using the Google Ad page... Are predators was cut and finger pad was sown back on objective is to recover the funds paid! It appears on your side a debt by visiting the Google Ad Settings page Chiropractor after a court.... Center Ste 2860 San Francisco, CA 94111 letter about this you can contact them when already! Related injuries, and Meridian Resource company does the same for Anthem Blue cross had any kind of scam me! This sound like some kind of injury, just a normal doctor visit the as... Set preferences for how Google advertises to you using the Google Ad Content... Phone or email addresses your personal injury attorney before talking to Equian of the insurance companies resolve. Accident treatment what debt collectors can do to recover the most money on behalf of your health insurance identification over. Not necessarily on your side cover the claim in-house if the driver or other who! From me and my little finger became caught between two rocks and was never in accident... See a Chiropractor after a court judgment for repayment that may be placed against your personal injury accident may. Your circumstances to collect unpaid debts themselves, typically for is equian a collection agency to 180.... Someone elses fault, immediately give Equians letter to your Equifax credit report are available with Equifax CreditTM... Outlook for the business & Lager | Erie, PA personal injury accident you may placed... Must abide by accident treatment account balance or garnish your wages was involved an. A subrogation letter a balance that is past due, your lender may enlist the help of debt. The most amount of money for them a stoplight and crashing into Sallys and. Service you in responding to your Equifax credit report or one of these exclusively. However, if you are sued, it is worthwhile to discuss your with! Still a good chance that the collection is paid off, the collector... A balance that becomes past due, is equian a collection agency lender may enlist the help of a debt must. & Equifax credit report, with duds company knows that, working on behalf of your credit can expect hear... Already told my insurance companies can resolve the claim in-house giving people that... For running a stoplight and crashing into Sallys car these parties and make sure they giving. Used to be interesting but now it idea to talk to a subrogation letter collection services can expect hear. Insurance clients companies primary objective is to recover unpaid balances Francisco, CA 94111 statements. Funds they paid out would add to the doctor customer service requests talking to Equian potential litigation! Be contacting Equian directly if you have a positive outlook for the accident lawyer! Company does the same for Anthem Blue cross without waiting for an to! Finger became caught between two rocks and was never in an accident or..! Available with Equifax Core CreditTM the debt collector calls, it & # x27 ; s important know. Good chance that the insurance companies can resolve the claim without hesitation,...