https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/PFD-Question-timeframe/m-p/4011204#M417897 <BLOCKQUOTE><HR />@Anonymous wrote:<BR /><P>I emailed a collection agency regarding a medical bill for $191. It was a PFD letter as the amount isn't that high. How long should I wait for a response?</P><HR /></BLOCKQUOTE><P>30 days.&nbsp;&nbsp; Here is what I recommend for medical debts<BR /><BR />1. Call the OC and ask that they recall the collection in exchange for full payment<BR />2. Send the reporting CA a PFD offer<BR />3. Google the HIPAA Process and contact its creator for help</P> Sat, 16 May 2015 20:35:33 GMT gdale6 2015-05-16T20:35:33Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/PFD-Question-timeframe/m-p/4011181#M417893 <P>I emailed a collection agency regarding a medical bill for $191. It was a PFD letter as the amount isn't that high. How long should I wait for a response?</P> Sat, 16 May 2015 20:27:24 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/PFD-Question-timeframe/m-p/4011181#M417893 Anonymous 2015-05-16T20:27:24Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/PFD-Question-timeframe/m-p/4011204#M417897 <BLOCKQUOTE><HR />@Anonymous wrote:<BR /><P>I emailed a collection agency regarding a medical bill for $191. It was a PFD letter as the amount isn't that high. How long should I wait for a response?</P><HR /></BLOCKQUOTE><P>30 days.&nbsp;&nbsp; Here is what I recommend for medical debts<BR /><BR />1. Call the OC and ask that they recall the collection in exchange for full payment<BR />2. Send the reporting CA a PFD offer<BR />3. Google the HIPAA Process and contact its creator for help</P> Sat, 16 May 2015 20:35:33 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/PFD-Question-timeframe/m-p/4011204#M417897 gdale6 2015-05-16T20:35:33Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/PFD-Question-timeframe/m-p/4011226#M417903 <BLOCKQUOTE><HR /><a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/763931">@gdale6</a> wrote:<BR /><BLOCKQUOTE><HR />@Anonymous wrote:<BR /><P>I emailed a collection agency regarding a medical bill for $191. It was a PFD letter as the amount isn't that high. How long should I wait for a response?</P><HR /></BLOCKQUOTE><P>30 days.&nbsp;&nbsp; Here is what I recommend for medical debts<BR /><BR />1. Call the OC and ask that they recall the collection in exchange for full payment<BR />2. Send the reporting CA a PFD offer<BR />3. Google the HIPAA Process and contact its creator for help</P><HR /></BLOCKQUOTE><P>Not sure how to go about #3...</P> Sat, 16 May 2015 20:44:47 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/PFD-Question-timeframe/m-p/4011226#M417903 Anonymous 2015-05-16T20:44:47Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/PFD-Question-timeframe/m-p/4011543#M417927 <P>Why not simply pick up the phone and give them a call, opening up personal negotiation?</P><P>Having no requirment to ever respond, you may otherwise fret forever.</P> Sat, 16 May 2015 23:38:34 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/PFD-Question-timeframe/m-p/4011543#M417927 RobertEG 2015-05-16T23:38:34Z