Reply
New Contributor
windupbird
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
Shogun
Posts: 12,952
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!


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+

Take the myFICO Fitness Challenge

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!
New Contributor
windupbird
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
diabla
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
Yoli14
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? 

Myfico on 02/21/12
Trans: 538 EQ: 591 Ex???
Myfico on 10/09/12
Trans: 600 EQ 602 EX???
Lender Pull 04/15/13
Trans 680, EQ 644, Ex 608
"I'm not telling you it is going to be easy, I'm telling you it's going to be worth it"
Moderator
Shogun
Posts: 12,952
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+

Take the myFICO Fitness Challenge

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!
Valued Contributor
rootpooty
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.
NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
New Contributor
windupbird
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
windupbird
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
diabla
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.  


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+