In April of 2001 I had some lab work done. They never submitted my information to my insurance company. It is now showing on my credit report and they won't remove it until they have payment from either me or the insurance company. More than likely the insurance company will now deny the claim since it's been over a year. I need this removed from collections ASAP as we are trying to close on a mortgage this week. Do I pay the lab myself and then file a law suit for violating the Fair Credit Billing Act? What kind of damages do I seek? Any guidance would be greatly appreciated!
