- My Forums
- Tiger Rant
- LSU Recruiting
- SEC Rant
- Saints Talk
- Pelicans Talk
- More Sports Board
- Fantasy Sports
- Golf Board
- Soccer Board
- O-T Lounge
- Tech Board
- Home/Garden Board
- Outdoor Board
- Health/Fitness Board
- Movie/TV Board
- Book Board
- Music Board
- Political Talk
- Money Talk
- Fark Board
- Gaming Board
- Travel Board
- Food/Drink Board
- Ticket Exchange
- TD Help Board
Customize My Forums- View All Forums
- Show Left Links
- Topic Sort Options
- Trending Topics
- Recent Topics
- Active Topics
Started By
Message
re: Disputing a charge from a debt collection agency.
Posted on 4/27/23 at 7:37 am to SlimTigerSlap
Posted on 4/27/23 at 7:37 am to SlimTigerSlap
quote:
Medical debt under $100 is ignored on your credit report.
If they mean to collect it the amount will surpass $100 in just a minute...it will be thousands of dollars. Happens all of the time.
0
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...
Posted on 4/27/23 at 7:41 am to Evil Little Thing
quote:
If you want to pay it, contact the provider directly. Don’t pay the collection agency.
Most likely if you do this the collection agency will continue to attempt to collect.
Posted on 4/27/23 at 7:45 am to Tarps99
quote:
I find it funny they even sent you the bill, the form letter, envelope, return envelope, postage would run about a dollar or two.
Then if you call and dispute the debt, it can take a several minutes of a call center operator’s time, let’s say she makes 10 dollars an hour, and you spend 15 minutes on the phone with her that is 2.50 in labor cost. Then there are toll free calling phone charges if calling long distance. If you dispute and ask them to send more details and the complete bill as they are required to do, they will need to print all that data and mail you more information about the debt how they acquired it, any forms or contracts and terms associated with that account. That packet of debt validation may cost another 2-3 dollars in postage to mail and that does include the labor of printing and stuffing the envelope to send to you.
I am just trying to illustrate how absurd medical debt collection can be for such a small amount. Now, if someone owes several hundreds or thousands dollars this can make sense, but for 10 dollars, they are going to spend more trying to collect it than forgetting about it.
They do it because they fully intend to keep at it and are counting on it being ignored. If that happens they will tack on late fees and interest and sell it to others (most likely in the same office) and continue to tack on interest and late fees until it is some serious money then they will sue and you will wind up paying a heaping pile or having a sizeable bad debt. The entire industry is a bunch of muscle for the medical industry backed by the power of the state.
Posted on 4/27/23 at 7:46 am to Dandaman
quote:
Why not pay it.
Do you always pay random bills like that? Somebody drafts up a official looking letter and demands payment of maybe $50 or it will be forwarded to collections. You just roll over and pay it? If so, please provide your address.
Posted on 4/27/23 at 7:48 am to Requiem For A Dawg
It’s really sad how just a couple years ago people were singing praises to our healthcare heroes for going out there and saving the world in a pandemic and now they refuse to pay them
Honestly this is just like what y’all did to the veterans
Honestly this is just like what y’all did to the veterans
Posted on 4/27/23 at 8:20 am to AwgustaDawg
quote:
Most likely if you do this the collection agency will continue to attempt to collect.
They can pound sand. If they try to put it on your report, dispute it. Medical debt under $500 isn’t supposed to be reported anymore.
Posted on 4/27/23 at 8:32 am to Evil Little Thing
quote:
Medical debt under $500 isn’t supposed to be reported anymore.
Sad
At least it’s not $900 like when y’all steal from a store
Posted on 4/27/23 at 9:22 am to AwgustaDawg
quote:
If you want to pay it, contact the provider directly. Don’t pay the collection agency.
Most likely if you do this the collection agency will continue to attempt to collect.
No they won't, they legally cannot. The provider will recall the debt. All of your other "advise" is BS too. If you don't know don't say anything.
Posted on 4/27/23 at 9:38 am to Requiem For A Dawg
Many times I have gotten bills after the insurance payment has been made. The statement that the insurance company sends me shows that I owe nothing but they try to milk you for a little more. I call them and explain what my insurance statement shows. They accept it or not. I never pay if my insurance statement shows that I owe nothing. The bills are always for a small amount. Nothing happens to my credit.
Posted on 4/27/23 at 9:42 am to Requiem For A Dawg
Ford submitted a delinquency notice to creditors because my bank fricked up when I paid off my truck, by not giving the full payoff amount to me. It was a difference of $130 in interest charges. It took me about 6 months of bitching at my bank, ford, and the creditors but I got it removed. There's a dispute form to fill out to start with. It's possible though. Good luck.
Posted on 4/27/23 at 10:20 am to Requiem For A Dawg
Call the hospital and tell them you will only pay them directly
Posted on 4/27/23 at 11:15 am to armsdealer
quote:
No they won't, they legally cannot. The provider will recall the debt. All of your other "advise" is BS too. If you don't know don't say anything.
Whatever floats you boat my friend...but if they will send a bill in the US Mail which is fraudelent, can not tell you the name of the provider, the dates of service or any other information do you really think they will balk at continuing to try to collect a debt they have bought from a provider, presumably??? The answer is they will not. I am certain you will come up with all kinds of professional credentials to prove your right and I am wrong but all you gotta do is some simple research and reading to know that there is no end to the "illegal" shite collection agencies do and they are seldom if ever called to task for doing so...they are, the entirety of them, scamming the public and anyone who would work in the industry in its current manifestation ought to be charged with being an accessory to the crimes they commit every minute of every day and when convicted tossed in jail. What on earth does a collection agency care about the law???? Talk about naive...or, more likely, somehow in the scam professionally.
Posted on 4/27/23 at 11:28 am to LSU Delts
quote:
Many times I have gotten bills after the insurance payment has been made. The statement that the insurance company sends me shows that I owe nothing but they try to milk you for a little more. I call them and explain what my insurance statement shows. They accept it or not. I never pay if my insurance statement shows that I owe nothing. The bills are always for a small amount. Nothing happens to my credit.
Yet another routine scam ran by medical providers and their collection agencies, most often working out of the same suite or at the very least the same complex, where they are contractually obligated to provide a service for a negotiated amount, collect that amount, and then knowingly bill the patient for the remaining amount which they reach into their backside and pull out...and they do so using the United States mail which is a crime but of course some one will come along and say that a collection agency would never dream of breaking the law LOL.
My 83 year old dad is covered by Medicare. My mom is also. They have doctors appointments about 3 out of 5 days every week. Of the 10 or so visits they each have they will get an EOB from Medicare which says the patients portion is zero and will also get 6 bills (from 10 visits) where the provider will say they owe something...usually small amounts but sometimes hundreds and even thousands of dollars. Of the 6 times of 10 this happens the provider will say it was a mistake 4 times...but one of the other times it will go to collections...and sometimes some of the 4 "mistakes" will go to collections. This has been happening to both of them for going on 18 years with multiple providers in multiple areas...it is by design. If the patient pays the bill you can bet the provider doesn't return the money...when they are turned over to collections the agencies will resort to all manner of ill shite to collect, including calling neighbors and telling them their neighbors won't pay their bills (has happened multiple times to both, always against the law, the agencies do not give a shite about the law) threatening to have people show up at their house and collect the money or remove property (again, illegal, but they do not care) and many times there are several agencies attempting to collect the same debt (No doubt the same agency under a different name). They will call and pretend to be the provider and will tell them they will not be able to get refills and further appointments until the debt is settled, again, illegal, but they do not care because there is penalty for doing these kinds of things. The entire industry is run amuk with scam artists and criminals and nary a state in the nation will do much if anything about it.
I am sure someone will come along any minute and defend this behavior or claim it doesn't happen....they are most likely part of the industry and know full well how it works.
Posted on 4/27/23 at 11:48 am to Requiem For A Dawg
Had to go through this recently as insurance was slow to pay a claim that they messed up on. So one, medical debt no longer dings your credit score. Second, even after my insurance paid and I had the check and payment receipt scanned to me, the hospital still hadn't updated their system to say payment was received so the collector kept hassling me. Finally talked to someone at the debt collector and they could see the information I sent them to show it had been paid and she informed the hospital that they've been paid and they need to take that claim off.
Posted on 4/27/23 at 1:18 pm to AwgustaDawg
You’re an idiot and it’s not the 90’s anymore.
Posted on 4/27/23 at 2:16 pm to Requiem For A Dawg
Yeap i told them i wasnt going to pay because i paid the full amount of the hospital bill I had received.
If it fricked up my credit I would never know. My credit is fine now and this was like 15 years ago.
If it fricked up my credit I would never know. My credit is fine now and this was like 15 years ago.
Posted on 4/27/23 at 2:33 pm to Evil Little Thing
quote:
If you want to pay it, contact the provider directly. Don’t pay the collection agency.
I'd pay the collection agency directly and then send proof of payment to the original biller (assuming it's a legit bill). I wouldn't rely on folks who turned over 10.50 to collections or a shitty collection agency who is trying to collect it to communicate with each other.
Posted on 4/27/23 at 2:47 pm to Bullfrog
quote:
I don’t want my credit to be screwed over $10.50
It sounds like everyone is missing his point. He doesn’t have a problem paying it but doesn’t want to take the hit on his credit report.
Posted on 4/27/23 at 2:55 pm to Requiem For A Dawg
How long ago was this bill?
Page 3 of 3
Popular
Back to top
Follow TigerDroppings for LSU Football News