any rules broken? yet

Discussion in 'Credit Talk' started by picantel, Jul 24, 2002.

  1. picantel

    picantel Well-Known Member

    A few months ago we took our boy in to get his tooth fixed. They said with copays getting it removed and capped would be the same price. On the way out we were told there was no bill owed. Now suddenly today a CA calls about owing a $150 copay bill. Come to find out they are not the same price. Anyway, she says she is debt credit services and to avoid litigation they need a payment. Now I do not have my recorder hooked up so I call back. This time I get everything on tape. I asked if they sent out the initial mini miranda letter and they said not yet but they are sending it out today. Can they call to collect without sending it out? Then I asked about litigation and they said they meant they can garnish our wages. I am faxing a 30 day letter out to them. Should I wait it out or call the dentist office and give them hell? Has the CA committed any violations yet or should I just wait for them to do so?
     
  2. Dani

    Dani Well-Known Member

    Why don't you contact the dentist to clear this up? It could have been a mistake on the dentist's part. Why deal with the CA?

    Dani
     
  3. picantel

    picantel Well-Known Member

    The dentists office is closed today. All I have is the info of what the CA said. I have not received anything from anyone.
     
  4. breeze

    breeze Well-Known Member

    Sheesh! Tell the CA there is an error, and you will contact the dentist to clear it up, then do that. Threatening litigation prior to mini miranda (or any time if they are not really serious) is a scare tactic and is illegal.
     
  5. jrjr35

    jrjr35 Well-Known Member

    They can't garnish anything without getting a judgement first, and to threaten litigation without actually intending to do so is illegal.
     

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