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Advice Please! MDS collections

Contributor

Advice Please! MDS collections

hello all.  I am looking for any kind of advice on my current situation.  I currently have 5K in medical collections due to not having insurance and a trip to the ER.  I in no way can afford to pay this type of debt.  Is there anything that can be done to get it deleted or has anyone had success with settling for much less?


Starting Score: CK 519 FICO 498
Current Score: 2/26/13 FICO 590 TU FAKO 639
Goal Score: 650


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Message 1 of 5
4 REPLIES
Moderator Emeritus

Re: Advice Please! MDS collections

You can always try to settle the debt for a portion of what is owed.  You would need to contact them and ask what you can do.  Maybe even try for a PFD for the accounts after payments have been made.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 5
Contributor

Re: Advice Please! MDS collections

any advice on what % I should offer?


Starting Score: CK 519 FICO 498
Current Score: 2/26/13 FICO 590 TU FAKO 639
Goal Score: 650


Take the myFICO Fitness Challenge

Message 3 of 5
Moderator Emeritus

Re: Advice Please! MDS collections

I'd try 25%.  See if they counter back.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 4 of 5
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Contributor

Re: Advice Please! MDS collections

thank you ..i will give it a shot


Starting Score: CK 519 FICO 498
Current Score: 2/26/13 FICO 590 TU FAKO 639
Goal Score: 650


Take the myFICO Fitness Challenge

Message 5 of 5