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Dunning letter from West Asset Management

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Anonymous
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Dunning letter from West Asset Management

I received a dunning letter from West Asset Management for a very small medical bill I  have overlook. I thought my insurance covered all the cost of a visit to a specialist but apparently it didn't. The amount is so small disputing it isn't worth it. I can pay the bill right away but I'm concerned that it will be placed on my CR as a paid collection. Currently it's not showing on any bureau and I checked today. Is there a way I can ensure it won't showup when I pay? I'm going to pay right away before it shows up.

Message 1 of 5
4 REPLIES 4
RobertEG
Legendary Contributor

Re: Dunning letter from West Asset Management

It is standard in such situations to make a "pay for not reporting" offer to the debt collector, where you offer to pay under the condtition that they agree not to report their collection to any CRA.

Message 2 of 5
Anonymous
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Re: Dunning letter from West Asset Management


@RobertEG wrote:

It is standard in such situations to make a "pay for not reporting" offer to the debt collector, where you offer to pay under the condtition that they agree not to report their collection to any CRA.


Should I get it in writing or just trust they will not report?

Message 3 of 5
RobertEG
Legendary Contributor

Re: Dunning letter from West Asset Management

It is always best to get it in writing.

However, it is fairly standard for many debt collectors to decline to provide a formal, written PFD or pay for not reporting offer.

 

You then have to decide whether insistence on a written confirmation may become a deal-killer.

Their agreement is totally voluntary, so I would normally recommend making the request, but backing off if they balk.

Message 4 of 5
Anonymous
Not applicable

Re: Dunning letter from West Asset Management

I will pay and simultaneously request they not report. It's such a small amount, probably far less than they have to pay to report the account. Hopefully that leads them not to report. Thanks for the information.
Message 5 of 5
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