No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
I received a letter from a CA for an EMS bill of $75.00. The funny thing is the last two statements for the ambulance services were for $75 and then $50 as I was paying the City of Hollywood $25 per month. I paid the last $50 straight out in December 2016 to avoid this kind of issue. My balance on the medical billing website shows that I have a balance of zero. I also contacted my bank and they verified both checks were paid to the City of Hollywood and cashed. I want to know what is the best way to handle this. Should I contact the medical biller, as it seems there is some sort of accounting error or should I contact the CA as a courtesy? I don't want this to turn into a mess where it hurts my credit. I have had an issue once before, with Comcast, for a closed accout with a zero balance. In that case it took 6 months to rectify and was a huge pain. Any advice on how to handle this situation is greatly appreciated.
I would initially send them a debt validation request.
Additionally, while a DV normally does not include supporting documentation, in this case, I would include your argements and supporting docs to assert your position that the debt was paid.
Are either the medical provider or the debt collector reporting to a CRA?
Debt validation (DV) requests are sent only to debt collectors, not to original creditors.
I emailed the CA a debt validation letter request with proof of payment a week ago. Is there a set period of time the CA must respond after requesting a debt validation?
There is no period for required response.
If timely (meaning sent either prior to receipt of any dunning notice, or within 30 days after receipt of a dunning notice), a DV imposes a cease collection bar, which remains in effect until they have sent validation.