Indiana Healthcare Debt Collection Agency EBO & Patient‑First Recovery

Compliant, patient‑first EBO and medical debt collection for Indiana healthcare providers. Recover payments across the state while protecting patient trust and community reputation.

Why Choose FCS?

First Credit Services (FCS) provides healthcare debt collection in Indiana, specializing in Extended Business Office (EBO) and patient balance recovery for hospitals, clinics, and physician groups across Birmingham, Huntsville, Montgomery, Mobile, and Tuscaloosa. With 30+ years of experience, FCS combines AI‑guided outreach, omnichannel engagement, and revenue analytics with trained healthcare agents to reduce bad‑debt roll and accelerate resolution. Operations adhere to HIPAA and SOC 2 standards to safeguard PHI and financial data, while a strong human element ensures clear, compassionate conversations that preserve patient trust.

HIPAA‑Aligned EBO and Patient‑First Collections in Indiana

Patient Debt Collections

Contacting patients with overdue bills, issuing payment reminders, and arranging payment plans.

Medical Coding

We stay accurate and compliant with expert coding to prevent claim issues.

Claims Management

Managing the full claims process from submission to resolution for quicker approvals.

Medical Accounts Receivable Solutions

Improving collections and reducing outstanding payments to recover more revenue.

Revenue Cycle Optimization

Overseeing every step of the revenue cycle to boost financial results.

Insurance Verification

Verifying insurance details early to avoid billing delays and issues.

Our HIPAA and SOC 2 Compliance

At First Credit Services (FCS), data security comes first for Indiana healthcare providers. The Indiana‑focused EBO program delivers healthcare debt collection across Birmingham, Huntsville, Montgomery, Mobile, and Tuscaloosa with HIPAA‑ and SOC 2 aligned controls encryption in transit and at rest, role‑based access with MFA, monitored audit logs, consent and preference management for calls, email, and SMS, and disaster‑recovery plans tuned to Gulf Coast conditions—pairing AI‑guided outreach with compassionate, trained agents to resolve patient balances while preserving trust.

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Frequently Asked Questions

What is EBO in healthcare collections?

EBO (Extended Business Office) supports early, patient‑friendly outreach that explains balances, aligns with billing/insurance workflows, and reduces bad‑debt roll for providers.

Can medical debt affect credit in Indiana?

Yes, but recent nationwide changes removed paid medical collections and sub‑$500 medical collections, and extended the reporting window, reducing adverse credit impacts.

What’s the difference between offshore, nearshore & onshore BPO?

In business process outsourcing, the terms offshore, nearshore, and onshore refer to the location of the service provider: 1) Offshore: outsourcing to a different continent, usually to reduce costs. 2) Nearshore: outsourcing to a nearby country, often in the same time zone. 3) Onshore: working with a provider within the same country. Offshore models often lower expenses, nearshore offers easier collaboration, and onshore provides cultural alignment and local expertise.

How long before unpaid medical debt can appear on credit reports?

The reporting grace period was extended from 6 months to 1 year, allowing more time to resolve insurance and billing issues before any furnishing.