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Started By
Message
re: Disputing a charge from a debt collection agency.
Posted on 4/26/23 at 9:43 pm to Dandaman
Posted on 4/26/23 at 9:43 pm to Dandaman
quote:
Why not pay it.
I don’t mind paying it, and I plan to. My main worry is that since it has already been sent to a collection agency, my credit is about to tank over $10.50.
6
Posted on 4/26/23 at 9:52 pm to Requiem For A Dawg
If it’s the 1st letter you’ve received, then it hasn’t been reported . Call them and ask what it’s from. It’s probably legit and just a small balance left over. Pay it and put it behind you.
Posted on 4/26/23 at 10:02 pm to Requiem For A Dawg
quote:
My main worry is that since it has already been sent to a collection agency, my credit is about to tank over $10.50.
Under the new laws, you come out ahead with worse credit.
Posted on 4/26/23 at 11:55 pm to Requiem For A Dawg
Call the collection agency. Tell them you'll pay it only if they agree to remove it from your credit report. Get it in writing.
Posted on 4/27/23 at 4:57 am to Requiem For A Dawg
quote:
My main worry is that since it has already been sent to a collection agency, my credit is about to tank over $10.50.
That’s not how collections works. Pay it and nothing will happen. Continue to not pay and they will hit your credit.
That’s in a normal case, for low amount medical, you’ll still probably get by with no credit hit.
Posted on 4/27/23 at 7:21 am to Requiem For A Dawg
quote:
I don’t mind paying it, and I plan to. My main worry is that since it has already been sent to a collection agency, my credit is about to tank over $10.50.
Call the original "creditor" and pay them directly. They will recall it from the credit agency since it is medical.
Posted on 4/27/23 at 7:40 am to Requiem For A Dawg
quote:
I don’t mind paying it, and I plan to. My main worry is that since it has already been sent to a collection agency, my credit is about to tank over $10.50.
It won't. They want the $10.50, it will cost them more than that to make an issue of it...and medical debt under a certain amount is no longer reportable. Make certain though that you keep a record of having paid it....because they are going to claim you did not and continue to pile on late fees and interest. Keep ALL correspondence and make notes of phone calls and keep those also. They are running a quasi legal scam and have a powerful lobbying group keeping it legal in the loosest sense of the term...
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