Ascension Health's ties to embattled debt collector STLtoday.com

Several years ago, Edmundson-based Ascension Health lent a helping hand to a Chicago company that has become one of the nation’s largest medical debt collection firms.

But that company, Accretive Health Inc., is now embroiled in a national scandal involving accusations of illegal debt collection practices at two Minnesota nonprofit hospital systems.

An investigation by the Minnesota attorney general’s office found Accretive pursued a heavy-handed strategy that included stationing bill collectors in hospital emergency rooms, awarding prizes to hospital staffers who collected the most money, and threatening to fire those who did not meet collection quotas.

Ascension Health, the nation’s largest Catholic and nonprofit health system, was an early investor in Accretive and in 2004 became its first and largest customer. Accretive handles bill collection and other services for Ascension Health’s network of hospitals across the country.

According to the Minnesota attorney general, Ascension Health also provided Accretive with access to “$1 billion of dormant receivables to attempt collection, as a sideline to the core relationship” of providing financial consulting and debt collection services.

Chattanooga TN Bankruptcy Stop Debt Collection Lawyer Video

Chattanooga TN Bankruptcy Stop Debt Collection Lawyer Video

Does Tennessee law require notice before sending a debt to collections?

My husband defaulted on a student loan through the Tennessee State Assistance Group and it went to collections. He never received notice of his loan being in default or going to collections because he has been living in Indiana. Does a business in Tennessee have to give notice to a person before sending their debt to a collection agency?


Chances are a notice was sent but since he was not in the state at the time and failed to provide them with a current address, the notice was returned.

Now that it is in the hands of a collection agency, you will have to pay the debt. Student loans do not fall under the same rules as most other debts.

The statute of limitations on defaulted student loans was eliminated by the Higher Education Act. Section 484A removes all limitations and gives the Department of Education or the guaranty agency (bank or lender) the ability to file suit, enforce judgments, initiate offsets, or other actions, to collect a defaulted student loan regardless of the age of the debt. Statutes of limitation are no longer valid defenses against repayment of a student loan.


No. A statement is not legally required from any creditor. The law assumes that you know you owe the debt so it is your responsibility to notify a lender if you have moved and make payment arrangements. Student loans, unlike regular are not dischargeable unless extreme circumstances exist, in which case a judge would have to rule on. So this debt will follow your husband until it is paid in full.

tennessee debt collection law - News


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