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SECURED CC Question

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Anonymous
Not applicable

Re: SECURED CC Question

yes unfortunately they are unpaid my husband had a heart attack in 2013 and he was in the hospital for quite a while, we had insurance but they didn't pay for everything. I am not sure if we can PFD on medical bills--I have asked the utility company twice if we can PFD and they told us no, that if we paid it it would just show a zero balance on the account. 

Message 11 of 14
gdale6
Moderator Emeritus

Re: SECURED CC Question


@Anonymous wrote:

yes unfortunately they are unpaid my husband had a heart attack in 2013 and he was in the hospital for quite a while, we had insurance but they didn't pay for everything. I am not sure if we can PFD on medical bills--I have asked the utility company twice if we can PFD and they told us no, that if we paid it it would just show a zero balance on the account. 


For unpaid medical debt that is reporting on your CR:

 

1. Call the OC and see if you qualify for Charity Care
2. If not then ask that they recall the collection in exchange for full payment
3. Send the reporting CA a PFD offer
4. Google the HIPAA Process and contact its creator for help

Message 12 of 14
Anonymous
Not applicable

Re: SECURED CC Question

the medical debt has already left the originator and been sent to collections, can you advise if I should contact the OC and do the steps you provided, even though its been sent to collections. Does this restart the statue of limitations over once contact has been made to the originator? Or will it show anything on the CR? 

Message 13 of 14
gdale6
Moderator Emeritus

Re: SECURED CC Question


@Anonymous wrote:

the medical debt has already left the originator and been sent to collections, can you advise if I should contact the OC and do the steps you provided, even though its been sent to collections. Does this restart the statue of limitations over once contact has been made to the originator? Or will it show anything on the CR? 


Medical providers rarely sell their debt and they engage the collector to collect on their behalf. Yes you still follow the steps I have outlined. As far as the SOL just talking about a debt doesnt reset anything in some states a new agreement to pay and subsequent default would in others a payment resets if its not in total settlement of the account. You can look up your states laws on this.. The steps outlined are designed to have the collector removed from your CR.

Message 14 of 14
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