topic Re: Several Medical Collections W/ SOL Over 5 Years Old in Rebuilding Your Credit

Several Medical Collections W/ SOL Over 5 Years Old

adamseve — Mon, 26 May 2008 23:33:41 GMT

Ok, now I'm thoroughly confused.

I know that the SOL is the timeframe from DOFD that a company can sue someone for payment. Well, I've got several collections that are anywhere from 4-5 years over SOL if I'm reading the SC SOL correctly.

I think for medical bills the SOL in SC is 3 years. So, if this is the case, how can I use this to my advantage to get these collections off of my credit report?

Re: Several Medical Collections W/ SOL Over 5 Years Old

Anonymous — Tue, 27 May 2008 00:04:54 GMT

SOL is determined from the DOLA...and collections can be removed within or out of SOL...depends on the company...are these legit medical collection??...Are they paid??...try:

www.whychat.5u.com

Re: Several Medical Collections W/ SOL Over 5 Years Old

adamseve — Tue, 27 May 2008 00:21:07 GMT

Several have been paid per the report, several have not. However, all of them are past SOL even if they aren't based on the DOS.

Re: Several Medical Collections W/ SOL Over 5 Years Old

Anonymous — Tue, 27 May 2008 12:45:39 GMT

Are medical collections considered "written contract"(10) or an "open account" (3) in SC? I haven't found anything that is specific to the SOL on medical collections.

Message Edited by Bran9192 on 05-27-2008 05:45 AM

Re: Several Medical Collections W/ SOL Over 5 Years Old

Anonymous — Tue, 27 May 2008 13:06:22 GMT

@Anonymous wrote:
Are medical collections considered "written contract"(10) or an "open account" (3) in SC? I haven't found anything that is specific to the SOL on medical collections.

Message Edited by Bran9192 on 05-27-2008 05:45 AM

I'd almost bet the farm that they are considered a "written contract." From what I understand, "open" accounts are primarily revolving accounts like credit cards ...

Re: Several Medical Collections W/ SOL Over 5 Years Old

llecs — Tue, 27 May 2008 13:18:16 GMT

adamseve wrote:
Ok, now I'm thoroughly confused.

I know that the SOL is the timeframe from DOFD that a company can sue someone for payment. Well, I've got several collections that are anywhere from 4-5 years over SOL if I'm reading the SC SOL correctly.

I think for medical bills the SOL in SC is 3 years. So, if this is the case, how can I use this to my advantage to get these collections off of my credit report?

Also, CAs can still try to collect beyond SOL and CRTP. If SOL is up, and it wasn't re-aged, the collections can still be on your CR up to the 7-7.5 yr time limit.

Edit to add.....there's not too much you can do to get them removed, if unpaid. About the only thing you can do is either wait the full 7 yrs from DOFD or offer a PFD. Another option would be to use a violation and hang that over their head to get them to delete (e.g. illegal re-aging, FDCPA violations, HIPAA violations).

Message Edited by llecs on 05-27-2008 09:18 AM

Re: Several Medical Collections W/ SOL Over 5 Years Old

Anonymous — Tue, 27 May 2008 13:23:13 GMT

Wonderin,

Thats exactly what I was thinking since you do have to fill out paperwork almost everytime you go to the Doctor and every visit to a hospital requries paperwork be filled out.

Re: Several Medical Collections W/ SOL Over 5 Years Old

Anonymous — Tue, 27 May 2008 13:27:40 GMT

@Anonymous wrote:
Wonderin,
Thats exactly what I was thinking since you do have to fill out paperwork almost everytime you go to the Doctor and every visit to a hospital requries paperwork be filled out.

Yep! Exactly what I thought ... I moseyed on over to a legal site and they were saying the same thing!