topic Re: DV or PFD? in General Credit Topics

DV or PFD?

Anonymous — Mon, 03 Sep 2007 19:48:45 GMT

I have been lurking around this site for awhile and have learned a great deal of things from many of the credit guru's here, so first, thank-you for all the assistance you provide to others! My scores have gone up over 50 points in just a couple months from all the things I have learned here. I opted out, fixed all my incorrect personal information and disputed things on my reports (of which some dropped off due to incorrect or dates to fall-off coming up in a few months)

Now, this is my delimma. I have 4 medical collection accounts on my reports from one company that purchased them from the hospital. They range from 2002-2006. The hospital sold the accounts for a small cost, this I know due to acquintance working in their billing office. The CA has attempted twice to call me on my cell phone, no other contact, and only left a generic voice message. I know I should owe about 8 other bills to them from same hospital, however they are not showing on my CR.

Do I DV them or PFD them? I know they bought them, I know I owe it, which would be the best route to go? If I do either, do I need to include something like "any and all accounts that are held in your office" or just reference what is listed on my CR.

I live in Ohio and I am unsure about the SOL, because I am not sure if medical qualifies, very unclear on the whole SOL.

Re: DV or PFD?

sl — Mon, 03 Sep 2007 21:12:43 GMT

Welcome, I would start with the DV Letter first. Put the pressure back on them.

Re: DV or PFD?

fused — Mon, 03 Sep 2007 21:14:34 GMT

I would PFD. I believe medical collections have no SOL.

Re: DV or PFD?

fused — Mon, 03 Sep 2007 21:15:53 GMT

sl wrote:
Welcome, I would start with the DV Letter first. Put the pressure back on them.

Why? The OP says it's their debt.

Message Edited by fused111 on 09-03-2007 11:15 AM

Re: DV or PFD?

sl — Mon, 03 Sep 2007 21:25:14 GMT

Message Edited by sl on 09-03-2007 02:25 PM

Re: DV or PFD?

sl — Mon, 03 Sep 2007 21:17:12 GMT

I did not know know there is no SOL on medical collectons.

Re: DV or PFD?

fused — Mon, 03 Sep 2007 21:19:20 GMT

sl wrote:
To buy time and hope they don't respond.

This does not constitute ethical credit repair. I would never recommend someone DV a CA when they know full well the debt is legitimate.

Re: DV or PFD?

sl — Mon, 03 Sep 2007 21:30:41 GMT

http://www.fair-debt-collection.com/SOL-by-State.html

Depending on the state determines the SOL for medical collections.

Message Edited by sl on 09-03-2007 02:30 PM

Re: DV or PFD?

Anonymous — Mon, 03 Sep 2007 23:25:19 GMT

I believe that hospital bills might not have SOL but I think other medical bills might follow SOL.

When it comes to medical bills it is always safer to talk to someone in your state that knows about them.

I am in Connecticut & there is NO SOL on hospital bills but all others go by SOL.

Message Edited by HappyDays on 09-03-2007 04:25 PM

Re: DV or PFD?

Anonymous — Mon, 03 Sep 2007 23:41:57 GMT

Wow. did not know this. that is what my collection is for- medical.

Re: DV or PFD?

fused — Mon, 03 Sep 2007 23:52:53 GMT

HappyDays wrote:

I believe that hospital bills might not have SOL but I think other medical bills might follow SOL.

When it comes to medical bills it is always safer to talk to someone in your state that knows about them.

I am in Connecticut & there is NO SOL on hospital bills but all others go by SOL.

Message Edited by HappyDays on 09-03-2007 04:25 PM

I believe you're right about the difference between provider collections and hospital collections. I should have mentioned this in my earlier post.

Re: DV or PFD?

Anonymous — Tue, 04 Sep 2007 00:37:38 GMT

fused, most hospitals do not report. They wait & then turn them over to a CA and the CA reports. Some hospitals keep all records they do not turn them over to a CA.

In my opinion it is correct to DV any CA. You can not trust them. Many accounts have already been paid by ins. after the hospital turned them over to CA. The CA will not know this & neither will the person. CAs have also been know to add fees to the account.

Everyone has the right to know that what the CA is reporting is correct and it does belong to them.

You can also call the hosp. and ask for info. be sent to you.

If people do not pay hospital bills then the tax payers are paying them. So most states have no SOL on them

Other medical bills are different. you are paying for a service & that falls under SOL.

Several years ago I had a CA call me about a hosp. and medical bills. They were not mine.They were in a different state then I was in. It just happened that I had been a patent at this hosp. 10 years before.

It turned out that someone mixed up the SS# and I was billed and turned over to collections. I almost had to file a lawsuit to get it removed from CR.

Re: DV or PFD?

fused — Tue, 04 Sep 2007 01:13:13 GMT

HappyDays wrote:

fused, most hospitals do not report. They wait & then turn them over to a CA and the CA reports. Some hospitals keep all records they do not turn them over to a CA.

In my opinion it is correct to DV any CA. You can not trust them. Many accounts have already been paid by ins. after the hospital turned them over to CA. The CA will not know this & neither will the person. CAs have also been know to add fees to the account.

Everyone has the right to know that what the CA is reporting is correct and it does belong to them.

You can also call the hosp. and ask for info. be sent to you.

If people do not pay hospital bills then the tax payers are paying them. So most states have no SOL on them

Other medical bills are different. you are paying for a service & that falls under SOL.

Several years ago I had a CA call me about a hosp. and medical bills. They were not mine.They were in a different state then I was in. It just happened that I had been a patent at this hosp. 10 years before.

It turned out that someone mixed up the SS# and I was billed and turned over to collections. I almost had to file a lawsuit to get it removed from CR.

Your story and what the OP has posted are entirely different. They said the debt is theirs. I do work in healthcare and I am well aware of how hospitals and providers handle bad accounts. First things first, there are big differences on how these accounts are assigned, sold and etc. Not all providers and hospitals do it the same way.

The point here is the OP wants to pay his debt and have the baddies removed. He says it's his debt, and I applaud them for wanting to take responsibility. I am see too many people pushing newbies to DV as a way to avoid paying a legitimate debt. I.E. unethical credit repair!

Lastly, I fully understand that a medical condition can ruin a person's financial picture in a heartbeat, it happens and it's very unfortunate. But I'm growing tired of hearing ways on how to get away with not paying medical bills, sort of like...these guys are rich already, they don't need any more money. Pay the doctors and hospitals they work hard to care for us!