Old medical collections past SOL

[Anonymous]

I have three old medical collection from an ER visit that are well beyond SOL. I had contacted my former insurance provider to obtain the original EOBs to double check the date of service. I had hoped this was a way to obtain accurate information without poking the bear. Now I'm unsure how to proceed. Do I ask the collection agency to validate the debt? Or follow the HIPPA process?

[Anonymous]

SOL has no affect on credit reporting. They're two different things. Any contact with the creditor at this point could inadvertantly restart the SOL clock, depending upon your state's laws.

[Anonymous]

If it's well beyond SOL, the debts are likely dropping off your credit reports soon. That assumes the debts are even being reported - are they?

If you haven't already, visit AnnualCreditReport.com and request one or more your credit reports to see the DOFDs (TransUnion is easier to understand, since they show estimated date of removal instead). From that, you can better determine how to proceed. Disregard collection account opened / closed dates - that's not related to DOFD. Derogatory trade-lines (TLs) fall off ~7 years after DOFD. If it's been 7 years or more (7.5 years is the max), contact the bureaus and ask for the TLs to be removed.

[gdale6]

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@Anonymous wrote:

I have three old medical collection from an ER visit that are well beyond SOL. I had contacted my former insurance provider to obtain the original EOBs to double check the date of service. I had hoped this was a way to obtain accurate information without poking the bear. Now I'm unsure how to proceed. Do I ask the collection agency to validate the debt? Or follow the HIPPA process?

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Welcome to My Fico

As stated the SOL has nothing to do with your credit reports. SOL is set by each state as far as how long a creditor has to use the court system to help collect a debt. The time a derog CO or CA can remain on your CR is 7.5 yrs from the DoFD. Simply contacting the creditor does not restart the SOL making a payment can in some states and in others it requires a new promise to pay with subsequent default. We cannot give you advice on the HIPAA process on this forum.

For unpaid medical debt that is reporting on your CR:

1. Call the OC and ask that they recall the collection in exchange for full payment
2. Send the reporting CA a PFD offer
3. Google the HIPAA Process and contact its creator for help

[Anonymous]

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@Anonymous wrote:

SOL has no affect on credit reporting. They're two different things. Any contact with the creditor at this point could inadvertantly restart the SOL clock, depending upon your state's laws.

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Asking for debt validation will not reset the SOL.

SOL is reset in virtually all situations by either  A) actually making payments and then stopping, or B) PROMISING to pay and failing to do so. About a dozen states actually require a written and signed repayment agreement before SOL can be reset.