topic Re: Medical Collection in Rebuilding Your Credit

Medical Collection

Anonymous — Tue, 23 Jun 2015 17:57:34 GMT

Hello All!!

So, I just got off the phone with the OC for my medical collection. The lady said I had 4 accounts all of which haven't been sent to collections. I told her I had one on my CR and she said it could be an individual doctor seeking payment. I have NEVER heard of a doctor seeking payment outside of the hospital.

Not sure how to handle this. Has anyone experienced this before?

Thanks!!

🍻Cheers to Credit repair 🍻

Re: Medical Collection

Anonymous — Tue, 23 Jun 2015 18:03:52 GMT

It is common practice for Drs to bill for their fees independant of the hospital, this is usually documented in the forms you sign before being treated.

Re: Medical Collection

Anonymous — Tue, 23 Jun 2015 18:04:50 GMT

Yes, if it was an ER visit they have doctors contracted to come in and work. As far as regular doctor's appointments at the hospital, I can't answer that.

Re: Medical Collection

Anonymous — Tue, 23 Jun 2015 18:15:55 GMT

I have never known this to happen. Being in an out of work and having to change insurance often I've been to the hospital a few times.

Not gonna lie...I don't read much when I'm in pain. So I def could have over looked something in the paper work. Can I send the CA on my CR a DV letter? Just so I can have proof of the debt.

The lady I spoke to said it COULD be...I'd rather it not be a could be.

Re: Medical Collection

gdale6 — Tue, 23 Jun 2015 18:58:40 GMT

This is standard practice in many hospitals, the docs bill separately from the hospital.

For unpaid medical debt that is reporting on your CR:

1. Call the OC and ask that they recall the collection in exchange for full payment
2. Send the reporting CA a PFD offer
3. Google the HIPAA Process and contact its creator for help

Re: Medical Collection

Anonymous — Tue, 23 Jun 2015 19:08:51 GMT

1. The hospital is listed as the OC, they said there isn't a bill for the amount of the one on my CR, so no recall there.

2. This would be fine if I knew for sure that this reporting is correct.

3. Something about HIPPA bothers me. Maybe it's the way it's website is setup. IDK but don't Think I want to go that route.

Re: Medical Collection

gdale6 — Tue, 23 Jun 2015 19:21:13 GMT

@Anonymous wrote:
1. The hospital is listed as the OC, they said there isn't a bill for the amount of the one on my CR, so no recall there.

2. This would be fine if I knew for sure that this reporting is correct.

3. Something about HIPPA bothers me. Maybe it's the way it's website is setup. IDK but don't Think I want to go that route.

Since the hospital says they have nothing for this amount and its them who is supposedly the OC then send a DV to the CA and see if they respond

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Debt-Validation/m-p/7133

Re: Medical Collection

Anonymous — Thu, 25 Jun 2015 16:03:14 GMT

Ok...how should I handle this?

I looked at my reports and though one lists the hospital as the OC another lists something about the physicans. So I called about it. The lady told me she would call me back if she could find anything. Its been 24hrs and she hasn't called back. I call again today. I was told to call somewhere else that may have my records. I called they don't have my records. I called the hospital back. Was told to call ANOTHER number. I call. The lady I then spoke to gave me an account number that yes I do have a bill for, HOWEVER...the account number and bill amount are no where close to what's on my reports. Not sure if I should dispute or send a DV.

Any advice is always appreciated.

Re: Medical Collection

Anonymous — Thu, 25 Jun 2015 16:32:10 GMT

I'd call up the collection agency and just ask to be sent a copy of the Dr's bill. You don't have to say it's your debt, just that it's reporting on your CR and you'd like to see a copy of the Dr's bill before doing anything else. That's what I did at least.

I don't know if this is exactly a DV, but it's a fairly inoccent request and there's no reason you shouldn't have a copy of the bill detailing the interest and other fees they may have tacked on to make up the sum of what is reporting.

Re: Medical Collection

gdale6 — Thu, 25 Jun 2015 19:49:46 GMT

@Anonymous wrote:
Ok...how should I handle this?

I looked at my reports and though one lists the hospital as the OC another lists something about the physicans. So I called about it. The lady told me she would call me back if she could find anything. Its been 24hrs and she hasn't called back. I call again today. I was told to call somewhere else that may have my records. I called they don't have my records. I called the hospital back. Was told to call ANOTHER number. I call. The lady I then spoke to gave me an account number that yes I do have a bill for, HOWEVER...the account number and bill amount are no where close to what's on my reports. Not sure if I should dispute or send a DV.

Any advice is always appreciated.

Send the DV

Re: Medical Collection

Anonymous — Thu, 25 Jun 2015 19:54:46 GMT

Thanks...I was thinking that but wasn't sure.

Good thing I run a post office...I can probably send it out today!!

Re: Medical Collection

Anonymous — Sat, 11 Jul 2015 02:46:09 GMT

Sent a DV....didn't receive RR back..so Idk of they actually received it. Anywho...according to CK the medical collection has been deleted.