OK I have a medical collection that these folks just bought from Medclr, who bought it from an area hospital. Now, they sent me a pretty good validation, but here's a catch: I was only 17 when 450 of the 474 charges were incurred. Insurance never billed, and 250 of the 474 is b.s. interest charges. Now, some of you told me in chat to pay the money outright. Others told me no way. I cannot decide if I should: 1) Send them estoppel. 2) Send them cease and desist and demand a deal with the original creditor. 3) Demand I pay part for deletion. 4) Pay it all for deletion. 5) Pay it all period and dispute it to death. 6) Get a lawyer and sue sue sue! 7) Get a lawyer to threaten them for deletion and some payment. The EQ notation is 9/1996, the TU is 3/1998. Chase said it was the main reason they denied me for credit. This is the biggest debt I've ever owed, and one I've been disputing and validating since July with no results.
First, if you were seventeen, thay cant do a thing. Secondly, How old is it and what did they send you for validation? DID they send you a document with your signature on it, (dated after you turned 18?) agreeing to treatment? If not,they dont have squat. Make em squirm my friend and make sure they are appropriately validating the debt. If a portion of the debt has your signature on any form agreeing to pay for treatment, that is a different story if it is dated after you turned 18. NCO is one of the most dishonest collection agencies out there. DO NOT NEGOTIATE WITH THEM UNDER ANY CIRCUMSTANCES. THEY WILL SCREW YOU ROYALLY......Any questions???
OK, they bunched up five accounts as one (I guess that's fortunate) Four of them are after I was 18 and have a signature. The one when I was 17 doesn't have it. Should I just pay them, or call a lawyer?
Not to disparage what Godaddyo told you in any way because what he says is correct as far as I am concerned. However, I'd just ignore the fact that I was only 17 on the one bill and use that fact for a further hammer later if I needed it. You need to be aware that before you were 18, your parents had the responsibility to pay and so they could easily go after your parents too on that one. You need to find out about validation and if you will send me an email I will show you a proof positive way to know if their validation was perfected or not. It's easy to figure out and the website URL I will send you to has it all right there for you to see for yourself. It's very deoubtful that they perfected the validation. Validation can be very tricky and there are several neat little tricks that you can use. It's not that I'm trying to sell you anything as I am so often accused of trying to do. It is simply that we already know for a fact that there are those watching these posts who would use the information we put out so freely to train collection agency operators so they know how to defeat us when we work to clear ourselves of the problems we have. I want people to know what I try to teach. And I don't charge them for what I teach either as so many want to accuse me of doing. What I charge for is when people don't want to learn and don't want to do the hard work and want me to do it for them. Even then, I have to teach them some things and how to know if a validation has been perfected or not is just one of the things I want everyone to know and be aware of. And I think it's so important that they learn it and learn it well that I'm more than happy to give it away for free. But I see no earthly reason to give it to those who would use it against all of us at the same time. So if you want to know, I must ask you to communicate with me by email and I'll gladly take my time to teach it for free.
Don't pay them. First, how old are the debts? Second, has the sol run out in your state? Here is what worked for me in dealing with NCO. They're a horrible collection agency. They couldn't validate my medial collections so they removed them. Sent them validation, a month later heard nothing. When I looked at my credit reports their tradelines had been removed.
Bill is definatley right when it comes to validation. He might even know a thing or two about NCO, lol
