I would appreciate anyones help. My girlfriend just received a letter from CA (CMRE Financial) that she owes 539+ interest to a hospital in California back from 2007. She was in an emergency room back in 2007, and she payed all the bills (she has PPO) that she had. We never gotten a bill form the hospital for anything. Fast forward to today, and we get this letter. She calls the agency to tell them that is a mistake, and they tell her the original hospital went bankrupt and that this the bill for the medical fees. They say that the bill was something about $5000, that the insurance payed $4,500 and that the rest was hers to pay and that they sent multiple bills. I do not know how they know this since the hospital went bankrupt in 2008. We call her insurance carrier and the only thing they show for this hospital is $400 charge that they paid. No mention of the $5000. She call back (and I was on the phone, my god are these people rude) to tell them this not hers and they tell her if she doesn't pay they will put on the record. She asks for proof and they say they will send her a statement. My question is what to do from here. I am going to send a validation letter, but they already have the address and name. If this is a mistake, for example they have a statement with her name because someone messed up, how do I correct it when the OC is no longer in business. I have the print out from the insurance company showing all the charges billed and paid from their side, but the CA doesn't care??? Help
Google them on the Internet and go to infopracitial and see the number of people there trying to screw over.There a bunch of goons and thugs out of La Brea ca.Oh the print out means nothing to them they don't think your going to fight back nor sue them.Rude is not the word for them.Try bootlicking lackeys
That is what I was afraid of. I mean when someone says I have proof that this isn't mine, you do not hang up on them right?? What would be my options to prevent them from putting this on her record but not paying them a dime on this fake claim. We are trying to purchase a home right now, and collection on her credit right now would create a big problem. Do I see if they put on and sue or what?
If you're trying to buy a home "right now" as in you've applied for a mortgage and are heading to escrow, you might have to just pay it if the underwriter sees it on a credit report. They would be the final word as far as your new house is concerned so wait and see if it's an issue. If you're in the "still shopping" phase, you might end up in the situation above or you might not. If they put it on your credit report today, and you dispute it tomorrow, it could take over a month (perhaps up to 6 or more) to get it off your report. If you pay it, you'll probably end up with a "paid collection" on your credit report which won't help your score any, but at least you won't have an unpaid collection on your report. If you want to go on the offensive, it sounds like they are inviting an FDCPA suit but you'd need to start getting "litigious" which could be quite a nuisance if you're in the process of moving. Bottom line, you should decide what your most important goal is, at this point. If it's to buy a house, you should get used to the fact that paying them might be the cheapest way to accomplish that goal. If buying a house right now isn't a big deal and you want to go on the offensive, you could walk away with a couple of extra grand in your pocket. In case you didn't know, the CAs can subscribe to a service provided by the CRAs that tells them when someone has applied for a mortgage. When a CA gets that notice, they go through their records to see if that person has a collection on file. If they do, you get bumped to the front of the line because they know that most people would rather pay a collection (valid or otherwise) then lose out on buying their dream house.
I didn't know but I was thinking it. It was really strange that she would get a letter 2 weeks after we get a pre-approval letter from the bank. The timing was perfect. Also my girlfriend and I haven't moved the last 5 years and we have the same phone numbers, yet they are telling her that they tried to contact her numerous times. Straight lie. How do you go about filling an FCRA suit? Can it be done without a lawyer?
Not necessarily. If the bill is bogus, I'm sure their contact information is equally bogus. Who knows who they've been calling? Yes, (although you'd probably get further with an FDCPA suit). Search around on this site. You're definitely not the first person to try this. Just remember, a law suit could tie this up for quite a while (e.g. 6-12 months depending on the court docket and how much of a fight they put up).
