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What is Marcam Associates? How to Settle.

Dena Standley | November 27, 2023

Dena Standley
Legal Expert, Paralegal
Dena Standley, BA

Dena Standley is a seasoned paralegal with more than 20 years of experience in legal research and writing, having received a certification as a Legal Assistant/Paralegal from Southern Technical College.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: Marcam Associates is a debt collection agency headquartered in New Hampshire that specializes in the collection of medical debts connected to the healthcare industry. You can ask Marcam Associates to validate your debt before paying and settle your debt before it escalates to legal action. SoloSuit can help with all this and more.

Learn how to resolve debt with them by knowing your consumer rights and using various documents to stop their calls or win your debt collection lawsuit.

Dealing with health issues is stressful enough, and medical debt only exacerbates the issue. The constant reminders from Marcam Associates debt collectors can be enough to drive you crazy. You may be asking yourself if it is a legitimate company.

What is Marcam Associates?

Marcam Associates is indeed a legitimate, female-owned collection agency with almost 40 years of experience collecting medical debts.

Below is the contact information for Marcam Associates:

In other words, Marcam Associates is a debt collector that helps companies in the healthcare industry get paid for their services. Marcam Associates services include:

  • Self-pay billing, statements & follow-up
  • Predictive scoring
  • Bad Debt Collections
  • Workman’s comp billing
  • Presumptive charitable eligibility
  • Denial Management
  • Building & management of payment portals
  • Legacy work-downs & insurance follow-up

The the following photo is the office building of Marcam Associates located in Rochester, NH:

Why is Marcam Associates calling me?

Marcam Associates is calling you because you have an outstanding medical debt. When a debt surpasses a certain period without any payment, typically 6 months or more, debt collection agencies are recruited to follow up on the debt.

Who does Marcam Associates collect for?

Marcam Associates collects for healthcare companies and hospitals on medical debts. After calling Marcam Associates, the agency informed us that they cannot release a list of the specific clients they collect for, as it is private information.

Marcam Associates reviews

Marcam Associates has an average rating of 1.5 out of 5 stars out of more than 50 Google reviews (see some real reviews below).

The Better Business Bureau (BBB) does not list Marcam Associates as an accredited company. Furthermore, the BBB has received dozens of complaints against Marcam Associates in the last few years.

If you search Marcam Associates on the Consumer Finance Protection Bureau’s complaint database, you’ll find that it is connected to Community Cash Management Corp. It’s unclear exactly how the two business entities are related, but it seems they might be the same company operating under different names.

Exercise your rights when Marcam Associates contacts you

Debt collectors have to follow the rules and regulations outlined in the Fair Debt Collection Practices Act, which is a federal law that exists to protect consumers from sketchy debt collection activity. For instance, the guidelines state that collectors should not:

  • Mention your debt to your friends, family, or colleagues
  • Make calls countless times a day for the same debt
  • Threaten, harass, or mistreat you for a debt you owe
  • Fail to respond to a Debt Validation Letter
  • Use abusive language when talking to you

If Marcam Associates violates these consumer laws, report them to your state’s attorney general's office. In addition, submit a report to CFPB, BBB, and the Fair Trade Commission's online page. You may even be eligible for compensation if you can prove your rights were violated.

Make Marcam Associates validate your debt.

Respond to a Marcam Associates debt collector

When you first hear from Marcam Associates about a supposed debt you owe, try asking them to validate your debt before you make any agreements to pay.

If the debt is valid and enough time passes without payment, don’t be surprised if the debt is taken to court.

A debt lawsuit can cause a significant financial issues, especially if the collection agency wins the case and garnished your wages to get the money back. To avoid them from getting to this point, you should respond to the lawsuit and reach out to settle a the debt before your court date.

Here’s how.

1. Answer each claim listed in the Complaint

The Complaint document initiates a debt lawsuit, and it contains the allegations a plaintiff has made against the defendant. Or in this case, the claims Marcam Associates has made against you. You can respond to each claim in one of the following ways:

  • Admit: Ticking this box means you agree that the allegation is true.
  • Deny: Choosing this option means you want Marcam Associates to prove the allegations are true.
  • Deny for lack of knowledge: This is like saying you cannot answer accurately because you lack enough information.

A debt specialist will recommend you deny most of the allegations to give debt collectors the task of proving their claims in court.

2. Assert your affirmative defenses

Asserting your affirmative defenses means you want to explain why you are not responsible for the debt or why you should not pay it. The following are some examples of acceptable defenses you can use:

  • Marcam Associates hasn't shown the right legal standing for collecting the debt
  • The debt amount is inaccurate
  • Marcam Associates violated your consumer rights
  • The debt timeline has exceeded the statute of limitation
  • You paid the debt in full, or it was canceled

3- File the Answer in court, and send a copy to the plaintiff

After drafting your Answer, make three copies. Send the first copy to the court indicated in the lawsuit. Send the second copy to opposing lawyer. Keep the last copy in your records. Do this before your state's deadline, or Marcam Associates may receive a default judgment.

SoloSuit can assist you in drafting your respond to a debt lawsuit with our Answer document and filing the document in court for you. Learn how to draft your Answer in the following video.

Negotiate debt settlement with Marcam Associates

Debt settlement can fast-track your plans to get out of debt. This typically involves a promise to make a lump-sum payment for a percentage of the debt to clear your name of it for good. SoloSettle is an online tool that can assist you in the debt settlement negotiation process.

Settle with SoloSettle

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Not sued yet?

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Out Debt Validation Letter is the best way to respond to a collection letter. Many debt collectors will simply give up after receiving it.


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