CA Won't Give Verbal Agreement in Writing

[GlobalDeb]

Hi Everyone!

I'm new to this forum, so I apologize in advance for any mistakes made with this post -- I promise to improve as I get acquianted. I've recently been working on building up my credit from virtually no credit plus a blunder or two (recent graduate and didn't build credit while I was in college, plus let a medical bill slip by while in college).

I had a a serious medical injury back in December and got tons of different medical bills -- all of which were paid for, except one. This little one has come back to haunt me. Yesterday I received a letter from the CA for the debt (<$500). I called and spoke with them, and they guaranteed that if I paid in 30 days it would not be reported to the CRAs (not even as "paid").

I asked a couple of times for this promise in writing, but they said that it's something they could not provide. They said are a small agency and all of their letters are pre-written by a legal company, and that they don't have one for my case.

I have the money to pay it off now, but I'm apprehensive about what to do because:

1. If I pay and then it gets reported, I won't have the option of negotiating a PFD, and I won't have any written confirmation that the CA promised they would not.

2. If I don't pay, it most definitely will be reported and then I could possibly get a PFD agreement -- but, then there's also the chance that I won't get a PFD agreement.

Any reccommendations?

[Whitneyy]

Hello and welcome. 

A lot of collection agencies will do this and not submit anything in writing because it goes against the norm. I say, pay it, take their word for it and if you find that they DO in fact report to your credit, file a claim with the BBB. It's better to catch this BEFORE it hits your reports then you have to haggle getting it off.

Good luck.

[SunriseEarth]

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@GlobalDeb wrote:

Hi Everyone!

I'm new to this forum, so I apologize in advance for any mistakes made with this post -- I promise to improve as I get acquianted. I've recently been working on building up my credit from virtually no credit plus a blunder or two (recent graduate and didn't build credit while I was in college, plus let a medical bill slip by while in college).

I had a a serious medical injury back in December and got tons of different medical bills -- all of which were paid for, except one. This little one has come back to haunt me. Yesterday I received a letter from the CA for the debt (<$500). I called and spoke with them, and they guaranteed that if I paid in 30 days it would not be reported to the CRAs (not even as "paid").

I asked a couple of times for this promise in writing, but they said that it's something they could not provide. They said are a small agency and all of their letters are pre-written by a legal company, and that they don't have one for my case.

I have the money to pay it off now, but I'm apprehensive about what to do because:

1. If I pay and then it gets reported, I won't have the option of negotiating a PFD, and I won't have any written confirmation that the CA promised they would not.

2. If I don't pay, it most definitely will be reported and then I could possibly get a PFD agreement -- but, then there's also the chance that I won't get a PFD agreement.

Any reccommendations?

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I'd say pay and if it does get reported, GW until they remove it.  

[gdale6]

As already suggested I would take their word for it, pay them and file BBB complaint if they dont follow through. There is a HIPAA Process for medical collections which are reporting on ones credit report, you can Googleit  we cant discuss it on this board.

Welcome to the board

[Shogun]

+1

[RaVeN50G]

Definitely pay it. You can always record the conversation if you have to, but I've had a few instances where I took their word for it and they did not submit it do the credit bureaus. If that helps at all.