Possible Medical Collection???

[thomcoogan]

Hey all, 

My fiance just received a notice in the mail stating that a medical bill from December '14 has gone to collection, and she has 30 days to validate the debt otherwise the collection agency will determine the debt to be valid.  She believes she paid the original bill over the phone in January, and somehow the transaction didnt go through.  Would anyone have any info on how to handle this?  

I'm thinking first thing tomorrow, we contact the doctors office and pay the bill.. its only around $200, and I think its sort of weird she never got a delinquent notice before it went to collections... OR should we contact the collection agency and dispute?  Or pay?  Anything that would help ensure her credit stays intact, if possible.

She has near perfect credit (740-750s) with no negative marks, and is pretty freaked out that her credit score will be damamged for the next few years over something so small as a $200 medical bill, especially one that was *only* 2-3 months overdue.

Any info is greatly appreciated.  

Thanks!!!!

[KellyP25721]

If the collection agency hasn't reported it yet, either paying it or proving that it was paid should keep if off your report.

[gdale6]

I would call the CA and make arrangement to pay it in exchange for it NOT reporting and if that isnt possible then I would call the OC and ask them to recall the collection in exchange for immediate full payment. Good luck

[thomcoogan]

Called to pay the OC and they agreed to recall the collection.  PHEW.  Thanks for the responses.

[gdale6]

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@thomcoogan wrote:

Called to pay the OC and they agreed to recall the collection.  PHEW.  Thanks for the responses.

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Grats