What We Do

Federal Claims Advisors, LLC works at the intersection of auto insurance, hospital billing, and corporate accountability. We are a public-interest, impact-focused practice, not a high-volume personal-injury firm.

Our work is organized around three systems that repeatedly harm crash victims, patients, and small businesses:

Hospital Liens, Discounted Care & Medical Debt

Hospitals and their collection partners can use liens, chargemaster billing, and aggressive collection tactics to seize auto-insurance and MedPay benefits and push patients into long-term debt.

We focus on:

• Patterns of improper or abusive hospital liens

• Failures to inform patients about Hospital Discounted Care (HDC) and other protections

• The role of outsourced collection firms and revenue-cycle companies in Colorado

Our goal is to identify cases where these recurring practices can be challenged through class actions, representative cases, or other impact litigation, rather than one-off disputes.

Working Vehicles, Illusory Coverage & Public Safety

Many crashes involve work trucks and trades vehicles insured under personal auto policies that quietly exclude or limit coverage when the driver is on the job.

We examine:

• Cases where victims are told there is “no coverage” or only minimal coverage because the driver was working

• Relationships between drivers, employers, and contractors that may expose hidden commercial or umbrella policies

• How decisions about coverage are framed to victims and their families

We treat these not as isolated claims, but as part of a structural public-safety problem: the public should not be left unprotected from working vehicles on our roads.

Shell Companies, Registered Agents & Accountability

Behind many harmful practices are thinly capitalized entities, low-cost registered-agent services, and maildrop “offices” that make it hard to identify who is really responsible.

We investigate:

• Repeated use of the same registered agents, virtual offices, and corporate services across entities involved in billing, collections, and working-vehicle operations

• Gaps between how businesses present themselves to the public and how they describe themselves once harm occurs

• Situations where corporate structures appear designed to frustrate accountability, not to support legitimate enterprise

We look for patterns that can support systemic remedies, including injunctive relief and class-type relief that makes evasive structures less profitable.

How We Work With Others

Federal Claims Advisors, LLC often works in tandem with:

• The Law Office of Christopher M. Sullivan, Esq., and

• Other lawyers, advocates, and researchers interested in federal-court and class-action strategies.

Our services include:

• Impact case design and strategy – identifying legal theories, defendants, and forums that can change incentives, not just resolve one case.

• Research and data projects – analyzing liens, crash reports, billing records, and corporate filings to uncover patterns.

• Advisory support on systemic issues – helping other counsel or organizations understand how hospital billing, insurance, and corporate structures interact.

We are selective and do not offer general “legal consulting” to the public. Our work is focused on matters that raise public-interest questions of safety, fairness, and system integrity.