Hi I have a big problem with a Medical Bill. I had surgery about a year ago. I received the bills and had some that were not fully covered. I began paying on all of these and never had any problems. Now I received a letter from a CA for 3353 from a doctor that I go to. I knew that I owed them nothing. I then received a call from this nasty collector who said that this was the wrong name. It was the doctor who did my surgery. He said that if I did not settle this immediately he would litigate. I wrote him a letter of Validation. He then placed this on my CR. He also told me that the doctor had my address as 31 instead of 37. This seems to be a typo. I told him that I had no knowledge of the bill and would have contacted my insurance company if I did. He said that if I did not start paying he would place it on my husbands report too. I have come too far with my credit to allow this to happen. Any ideas out there? I need advice. I do not want to make a mistake dealing with this scum.
If your husband did not sign anything, it can not go on his report. When you requested validation, did you send it CRRR? Start with CA. Send CRRR. As soon as you get the green card back, Dispute with CRA. That's how I would start.
Are you saying that this tradeline isn't on your credit report yesterday? And that you received your green card today? If so, you have them on a violation -- that of reporting to the CRs (continued collection activity) without providing adequate validation, even after receipt of dispute from you. Keep the paper trail ... when it comes to the point of suing the CA, which it will likely come to, you would have an excellent proof of willful non-compliance with the provisions of FDCPA.
Continued collection activity without validation=$1000 for you. At this rate he will easily rack up more in FDCPA violations that what he claims you owe Give him enough rope to hang himself with, then resubmit the corrected bill to your insurance co., they will pay the Doctor, and you will collect from the CA!
What about this reporting it on my husbands CR. I am very concerned about this. THis would cause even more stress. I know that he can be held responsible.
If you live in a Marital Property state and were married at the time you incurred the bill, they MAY be able to put it on your husband's report. I'm no expert on this subject by any means, so verify that.
Unfortunately, I am a big chicken. If i start paying this guy to keep this from being reported, have I doomed all chance for a lawsuit. Am i admitting wrong? And what about the doctors office who did not bill me? This sucks. Obviously they made a mistake entering my imfo into their billing system and that caused me not to recieve anything telling me that this bill was unpaid. Thanks for any insight I can find because this guy told me it would be reported on Friday.;
1*I wrote him a letter of Validation. He then placed this on my CR. 2*He said that if I did not start paying he would place it on my husbands report too. 3*Any ideas out there? I need advice. patsy123 ========================== 1*He owes you a thousand. 2*Another 1000 if he does. 3*Keep the process on schedule. THE END ** *** ** LB 59
I had this question before and now cannot figure out how to proceed. i contacted the Doctors office and had this taken out of collections and it was resubmitted to the insurance company. It was reduced to 350.00. The Collection agency is still reporting it. What should I do. Where do i go to file a lawsuit against them or do I have to? Thank Patti
Was the doctor "in network", and bound to bill the insurance and accept what they paid? Is the $350 the total bill to be paid by both your insurance and you, or just your co-pay? Did the doctor's billing screw up in billing your insurance, or in billing you? If so, treat the bill from the CA as erroneous, due to negligent billing errors of the doctor. By recalling the debt and billing your insurance, they are saying as much. See that he gets paid, including your co-pay, then demand that the CA remove the erroneous tradeline, with a letter also sent to the doctor that he had better clear this up.
