Spoke to the hospital billing dept about my final med collections. Two are with a CA and reporting on my CR. But hosp billing department says I have a total of 9 acc'ts with them... Only two of them are with CA right now.
I ask billing, can I set up a payment plan & pay for all before these other seven go to collections? She says, you can pay us but eventually they'll go to collections anyway because they're 4+ yrs old. I asked her to clarify, sounds like you're telling me even if I pay you, now, before they are in collections, you will still send the paid-off bills to a CA (to report on my CR as paid) later on? She said yes.
This doesn't sound right or legal? No matter how old a debt is, if OC hasn't sent it to a CA and I pay the OC, how could they possibly send a paid am't to a CA?? She says they would do this to report on my CR that I paid years later, that just because they haven't reported it to collections, doesn't mean it isn't a collection. I asked to clarify if the *hospital* would report it on my credit report, or if they would send it to their CA to report on my credit report., and she said it would be a CA they would contract to report the paid amount.
Need help in drafting a response to that!
Message Edited by ivyalmighty on
04-09-2008 04:07 PM