Help with a stubborn CA !

[Anonymous]

Hello! long time reader, first time poster

There was recently a collection account added on my husband's report.  We believed we had been paying the medical bill that the collection stated as the reporting account, but found out that it was a seperate bill for the same service. (ie- xray and ER were billed seperately than the doctor who renderes service).  Well we have never received a bill from the hospital regarding the xray so we were not aware that we owed it.  The first indication we had of owing was seeing it in collections on the rport.  So after an hour on the phone with them, they will not agree to a PFD.  They said that they have left 2 messages and sent an invoice via mail, but it was returned to them as undeliverable. I would be happy to pay the full amount of the service if they would remove the collection entirely from the report, but they have so far been unwilling.  I am waiting to hear back from the manager of the CA (I won't hold my breath).   Anyone have any ideas as to what I can do to help get this removed? Thanks a million in advance!

[cobra19]

uni.............for medical baddies, go back directly to the doctor, hospital, etc. Forget the CA. Call the hospital - apologize for the apparent mixup. They should be willing to work with you. Worse case scenario is they say they no longer have the records - it is with a CA. Then you DV the CA. 

[Anonymous]

So...I pay the bill with the hospital and then DV the CA. right?  Will this remove the collection entirely from the report?

[Anonymous]

No unieye, it will not.

You need to negotiate with the hospital to have the collection agency instruct the CA to delete it off your CR. Here's my story, on my collections due to my daughter's ER visits. Please bear with me.........

Hi spain246, and welcome to the forum! There's a wealth of information here, and many knowledgeable people to help you get credit healthy.

The answer is.....NO! Do NOT call the collection agency! When you need to correspond with them ONLY do it in writing. Do NOT commit to anything until you totally and perfectly understand your position.

Let me repost a reply I made yesterday in regards to a med collection. Please bear with me:..........................

I was successful in getting 3 med collections removed from my CR's back in October, 2007 by negotiating with the hospital(it was for 3 ER visits for my daughter).

This worked for me, and here's my story. Please bear with me:

In September I pulled all 3 CR's from freecreditreport.com. They showed 3 med collections. I called the CA(yes this is a no no...I know that now), and after looking up my account, I told them that I would pay in full IF and ONLY IF they would delete the entire entry from my CR. They said they'd gladly accept my pif, and would mark the account as PAID. I said not good enough. I don't want it marked PAID, I want it deleted. They told me the only way that can happen is if the hospital instructs them to do so. I said fine and hung up.

I THEN called the hospital, and after 5 minutes of looking up my account, they told me what I owed. I said I would pay in full with a cashier's check, and hand deliver it to them tomorrow, IF and ONLY IF they will instruct the CA to delete the entire entry from my CR.

The CSR who I talked to said she'd have to talk to head of her department at the hospital. I said fine. Call me tomorrow with your answer. She did. YAY! I then said, as a further condition of paying in full IMMEDIATELY, I would like an original duplicate, on hospital letterhead, the letter of instructions to the CA instructing them to delete the entire record from my CR. She agreed.

The next day I took a cashiers check to the hospital, and asked for the letter(for review). She gave it to me...it looked perfect....I then handed my cashier's check to the CSR.

2 weeks later I received a letter from the CA notifying me they have deleted the files from my CR's. The next time I pulled my CR's they were all gone.

Sorry to be so long winded. But hope that helps.