topic Medical Collections in Rebuilding Your Credit

Medical Collections

tpmlls — Wed, 02 Jan 2013 01:42:23 GMT

Hi, I have a couple medical bills that went to collections a few years ago and I did not know about the pay to delete option. I think I paid all of my bill on one, but on another I think I settled for less than full amount. I now am wondering if ANYONE knows if I can do a GW letter and if so, what do I need to say? I would really like these negative accounts off of my reports, and I would appreciate any help. Without giving too much info, my account is like this:

Account Name & Number Opened Owner Status Original Creditor

KANSAS COUNSELORS OF K
...4430

11/29/2010

Individual

Closed

METRO EMER PHYS NL

Loan Term Original Balance Last Payment

1 months

$289

10/19/2011

Account Type

Collection Department/Agency/Attorney

Additional Remarks

Paid account/was a collection account, insurance claim or government claim or was terminated for default
Account status last reported change 12/1/2011

Thanks for any help you guys can give me, and if a letter is appropriate, who do I send it to? I have had a hard time with this stuff.

Thanks again,

Wes

Re: Medical Collections

Anonymous — Wed, 02 Jan 2013 02:16:37 GMT

A GW letter is what you make it. It should fit your circumstances.

Re: Medical Collections

ktl72455 — Wed, 02 Jan 2013 02:34:23 GMT

I have 2 that look like the OP but I paid the OC long before I even knew it was in Collections or even on my reports. I sent a GW to CA and OC.

Re: Medical Collections

tpmlls — Wed, 02 Jan 2013 03:38:33 GMT

What did you say in your GW letter?? I want to drive home the fact that I was really sick and my bills were overwhelming, but I don't want to come off as fake, just honest. Any suggestions on what to be sure and say or how to say it?

Thanks again,

Wes

Re: Medical Collections

Shogun — Wed, 02 Jan 2013 04:46:16 GMT

I had that same CA on my CR for a paid Pikepass bill. I sent them a GW and they were extremely nice, they deleted immediately and sent me a letter. They were easy to deal with. With a GW letter, just make it short and sweet. Tell them why it went to collections, that you're sorry for it, and ask for some good will.