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New Contributor
Posts: 61
Registered: ‎09-05-2012
0

What should I do about medical collection....

I called the OC today, they want me to pay them $138 plus $35 for having to send this to collection.  OK, fine.  I doubt they will delete (I can ask but they were snippy/rude on the phone).  I have not paid yet.  Should I try calling the CA tomorrow?  I want to PFD.  I am in Massachusetts.  The dispute comment is likely from Lexington Law sending a debt validation letter.

 

Collection on debt to:

                The collection agency "0000000000" was hired to collect a debt of $138 on account number "XXXXXXXXXXXXXXX".             

Collection agency [?] Original balance [?] Current balance [?] Date assigned [?] Account number [?] Account holder [?] Account descriptions [?]
            0000000000           
$138
$138
Dec, 2006
            XXXXXXXXXXXXXXXX
Individual
Consumer disputes this account information Medical
Moderator
Posts: 14,034
Registered: ‎04-15-2011
0

Re: What should I do about medical collection....

What's the Dec. 2006 date for?  Is that the DOFD?  If so, what's the SOL of your state?   $35 because they had to send it to collections?  They can eat that.  If your SOL is 5 years or less, this might give you an opportunity to get snippy right back at them.   Look at the DOFD and your state SOL and post it back on here if you can.   Thanks!

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New Contributor
Posts: 61
Registered: ‎09-05-2012
0

Re: What should I do about medical collection....

Hi Shogun - the SOL is 6 years for written contracts in Mass.  DOFD is April 2006.  This is more info from my Equifax report:

 

Medical
(collection agency name)
Agency Address: 
Date Reported:09/2012
Date Assigned:12/2006
Creditor Classification:Medical/Health Care
Creditor Name:(dentist name)
Account Number:XXXX
Account Owner:Individual Account.
Original Amount Owned:$138
Date of 1 st Delinquency:04/2006
Balance Date:09/2012
Balance Owned:$138
Last Payment Date :N/A
Status Date:09/2012
Status:D - Unpaid
Comments:Consumer disputes this account information, Collection account
Contributor
Posts: 230
Registered: ‎10-01-2012
0

Re: What should I do about medical collection....

Does that mean its already past SOL?  And could possibly drop off your CRAs early next year anyway?

Regular Contributor
Posts: 163
Registered: ‎01-03-2012
0

Re: What should I do about medical collection....

Do the HIPPA process. I've done it with a few medical collections and they were deleted. I can email you the steps, if you like? 

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Moderator
Posts: 14,034
Registered: ‎04-15-2011
0

Re: What should I do about medical collection....

It's past the SOL.   Offer them $50 for a PFD, and yes, it's near the end of the CRTP.  

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
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Valued Contributor
Posts: 1,772
Registered: ‎10-28-2011
0

Re: What should I do about medical collection....

The derogatory collection will report for another full year. That's kinda long time away for an impatient person. Was LL unable to handle this account for you? I doubt the CA will agree to a PFD offer over the phone. You stand a better chance sending a letter.
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New Contributor
Posts: 61
Registered: ‎09-05-2012
0

Re: What should I do about medical collection....

Thanks, yes if you could please PM me the HIPAA steps, I know that there is something I need to do before sending payment to the OC.  Thanks all for your help.  I want to pay it but want to do it the right way - giving me the best chance at deletion!

New Contributor
Posts: 61
Registered: ‎09-05-2012
0

Re: What should I do about medical collection....

LexLaw did get it to delete on TU but not EQ,  I am going to try the HIPAA process.  I have two other meidcal collections (paid one last month and CA agreed to delete over phone), the third and last one I am not ready to pay yet (almost $500 for an ambulance for my son, I had started a new job and my insurance had not kicked in yet at work).  This one I'd like to get squared away because the amount is relatively small and I just want to get it off my report!

Contributor
Posts: 230
Registered: ‎10-01-2012
0

Re: What should I do about medical collection....

Although its not recommended, I had one CA agree to a PFD over the phone, and seems to have fulfilled their promise (still confirming but all signs look good).  I guess they're not ALL slimy liars!  I had a good feeling about the collector I spoke to, she just sounded really nice and sincere.  

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