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Frequent Contributor
Posts: 347
Registered: ‎07-06-2012
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HELP asap - PLEASE.... Hospital calling back regarding collections that arent mine

[ Edited ]

I have several medical collections on my credit report and I was confused to why they were there.   It turns out they are my moms from her medical treatments.  They said I must have signed something saying I was responsible for her debt, which I dont remember ever doing.  If I did sign something its because it wasnt explained to me and I was sitting there watching my mom dying in the hospital. 


Well my mom is okay and can pay her own bills (thank god)

 

But for my credits sake, can I get out of this?  I was having a hard time figuring out why these medical bills kept coming up on my credit report and they are looking for the paper that I supposidly signed.  Iff they cant find it do they need to remove the collections from my reports?  She is supposed to call back here shortly!



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Posts: 13,758
Registered: ‎04-15-2011
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Re: HELP asap - PLEASE.... Hospital calling back regarding collections that arent mine

Absolutely.   It is not your debt.  



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Frequent Contributor
Posts: 347
Registered: ‎07-06-2012
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Re: HELP asap - PLEASE.... Hospital calling back regarding collections that arent mine

sheesh I was wondering where they were cominmg from!!!!!! I got one that is in collection.  The HOSPITIAL is calling the credit agency to remove the one for 116.00.  I  am so glad I caught this because I was about to have two more on my credit report.   I wonder how much this will make my score jump.  One collection just over a year old deleted.  They said they would remove it today, hopefully it will reflect my report soon.   SO that leaves TWO accounts for that horrible collection agency instead of 3.  :smileyhappy:



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Valued Member
Posts: 37
Registered: ‎08-30-2012
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Re: HELP asap - PLEASE.... Hospital calling back regarding collections that arent mine

Generally speaking, you're only legally liable for a medical bill that belongs to you personally or your children. But if you did ever sign for emergency care for someone at the hospital, even if it was a kid down the street, etc, you can be held legally liable.

Fortunately, the hospital couldn't find any paper they claim you signed so your problem is resolved. :smileyhappy: IF you had signed for it, it would just be a matter or having your mom go to the hospital business office and absolving you of the responsibility by signing for it herself.
Frequent Contributor
Posts: 347
Registered: ‎07-06-2012
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Re: HELP asap - PLEASE.... Hospital calling back regarding collections that arent mine

Okay come to find out, they seen that I had signed for her health care not debt.  3 phone calls with collection agency and 3 phone calls with the hospital and IT IS REMOVED!  Gone!  See ya later bye!  ONE DOWN!

 

Okay breathe,  Phew!

 

 

That is one down and 6 more to go.  I have to redo my PFD letter now, and remove this account.  THANK GOD.  YAY, one down and a million more to go.

 

Now I wonder how long it will take the CRA to update :smileyhappy: and get some of my points back!!!!!

 

HAPPY!



Starting Score:
August Equifax 558 TU 600 EX 570
Current Score: Equifax FICO 642 TU FICO662 EX 651 (credit.com) 06/21/2013
Goal Score: 720 All Across

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Valued Contributor
Posts: 1,057
Registered: ‎03-22-2012
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Re: HELP asap - PLEASE.... Hospital calling back regarding collections that arent mine

Awesome!!!!

 

You're moving right along!

 

See, its not so hard. You are getting good at this. It won't be long now!



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Moderator
Posts: 13,758
Registered: ‎04-15-2011
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Re: HELP asap - PLEASE.... Hospital calling back regarding collections that arent mine

Happy Dance!



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+
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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!
Frequent Contributor
Posts: 347
Registered: ‎07-06-2012
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Re: HELP asap - PLEASE.... Hospital calling back regarding collections that arent mine

:smileyvery-happy:  Gonna wait till the end of the month to update the scores and see what happens, it'll throw another good ON TIME payment with a car and credit card. I'll make sure to let you guys know how much it goes up.



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August Equifax 558 TU 600 EX 570
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