cancel
Showing results for 
Search instead for 
Did you mean: 

Hospital debt now with a new CA..Medicredit

Estimate your FICO® Score range for free

FICO® Score Estimator

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
Contributor

Hospital debt now with a new CA..Medicredit

I have been paying off a hospital debt for the last year via a CA. It never hit my CR thank goodness but now the hospital has taken the debt back and ended their relationship with this CA. Now I called and it must be so new that all the payments haven’t been accounted for since the rep didn’t have my correct balance. He seemed pretty new and just said I have two options pay a percentage (no amount was given and I didn’t  ask for one) or he could set it up with the new agency Medicredit.  I wasn’t really thinking and said okay set it up.  But now I’ve seen some sketchy comments about Medicredit and think I will call Monday and try to settled it at a percentage. It’s only $2,700 but now that my credit is on the mend I don’t want this to set me back.








Gardening since April 2018
Message 1 of 12
11 REPLIES 11
Community Leader
Legendary Contributor

Re: Hospital debt now with a new CA..Medicredit

A new debt collector acquires the right to report their collection at any time, even before any contact with you.

The only requirement needed to report is that they have or have previously acquired collection authority.

 

You are thus under their discretion as to addition of a collection.

You can contact the new debt collector and make them a pay for not reporting offer, which if they agree becomes a separate contract term to which they must legally honor once you pay or begin payments.

If you simply pay, they can still report their collection, as long as they correctly report that the balance is $0.

 

I would advise that you first contact them and make a pay for not reporting offer, which will legally protect you from any reporting of their collection.  Hopefully, they will accept.  The higher the percentage you offer, the more likely they are to accept.

Message 2 of 12
Contributor

Re: Hospital debt now with a new CA..Medicredit

thank you for the suggestion. Will be on the phone at 8am sharp with the hospital👍🏽


@RobertEG wrote:

A new debt collector acquires the right to report their collection at any time, even before any contact with you.

The only requirement needed to report is that they have or have previously acquired collection authority.

 

You are thus under their discretion as to addition of a collection.

You can contact the new debt collector and make them a pay for not reporting offer, which if they agree becomes a separate contract term to which they must legally honor once you pay or begin payments.

If you simply pay, they can still report their collection, as long as they correctly report that the balance is $0.

 

I would advise that you first contact them and make a pay for not reporting offer, which will legally protect you from any reporting of their collection.  Hopefully, they will accept.  The higher the percentage you offer, the more likely they are to accept.


 








Gardening since April 2018
Message 3 of 12
Contributor

Re: Hospital debt now with a new CA..Medicredit


@RobertEG wrote:

A new debt collector acquires the right to report their collection at any time, even before any contact with you.

The only requirement needed to report is that they have or have previously acquired collection authority.

 

I always thought they had to send you something in the mail letting you know they were trying to collect before reporting?  I have had 3 accounts in the past do that and they never actually ended up reporting since I was able to pay, however all my current medical collections on my report, have not ever sent me anything in the mail or tried to call me. (I guess if they don't have to contact you, then I guess it makes sense that I have never heard anything from them.)

You are thus under their discretion as to addition of a collection.

You can contact the new debt collector and make them a pay for not reporting offer, which if they agree becomes a separate contract term to which they must legally honor once you pay or begin payments.

If you simply pay, they can still report their collection, as long as they correctly report that the balance is $0.

 

I would advise that you first contact them and make a pay for not reporting offer, which will legally protect you from any reporting of their collection.  Hopefully, they will accept.  The higher the percentage you offer, the more likely they are to accept.


 

Message 4 of 12
Community Leader
Legendary Contributor

Re: Hospital debt now with a new CA..Medicredit

A debt collector can report their collection prior to any communication with the consumer.

There is no requirment of statute or regulation that they must first send any notice or initiate any communication with the consumer prior to reporting their collection to a CRA.

 

The requirment to send an initial collection ("dunning") notice is triggered only if the debt collector has initiated communication with the consumer.  FDCPA 809(a).

That represents their own initiation of attempts to collect on the debt, and thus triggers their requirment to send a dunning notice within 5 days thereafter, advising the consumer of the name of the current owner, the amount of the asserted debt, and advisement of the right of the consumer to request debt validation within 30 days.

 

 

Message 5 of 12
Contributor

Re: Hospital debt now with a new CA..Medicredit

Yes I’m going to try and get this paid even if it is in full. This wacky situation is just crazy.  The hospital says they tried to contact me numerous times before sending it to collections.  Never  did I receive a call or mail of this attempt.  The only way I found out I owed was the one regular statement with the original amount many months later thus prompting ,me to call and try to set up a payment plan.  Then I was informed of the account being sent to the CA. Then I immediately called the CA and  they stated that they sent me a mail indicating they had the account. I asked can you send this again, still nothing so I continue to call and finally I set up a plan and then I get a notice in the mail.  Wow, humanity is really in the sewer.  








Gardening since April 2018
Message 6 of 12
Contributor

Re: Hospital debt now with a new CA..Medicredit


@mppaul271 wrote:

Yes I’m going to try and get this paid even if it is in full. This wacky situation is just crazy.  The hospital says they tried to contact me numerous times before sending it to collections.  Never  did I receive a call or mail of this attempt.  The only way I found out I owed was the one regular statement with the original amount many months later thus prompting ,me to call and try to set up a payment plan.  Then I was informed of the account being sent to the CA. Then I immediately called the CA and  they stated that they sent me a mail indicating they had the account. I asked can you send this again, still nothing so I continue to call and finally I set up a plan and then I get a notice in the mail.  Wow, humanity is really in the sewer.  


That is how all my collections happened. They claimed to have tried reaching out to me several times but I never have heard anything from them. 

Message 7 of 12
Contributor

Re: Hospital debt now with a new CA..Medicredit

So finally the hospital has identified they are missing 4 payments from the collection agency. The will go back to them and reconcile the balance which should reflect the last statement I have. Once the hospital has an accurate balance they will offer me a 20% discount to pay in full. Otherwise they will submit to the new balance to the collection agency. Well for now the account is stable. If they are able to match up with my final statement balance I will most certainly accept payment with a 20% discount. Let’s see how long it takes for them to get back to me.







Gardening since April 2018
Message 8 of 12
Moderator

Re: Hospital debt now with a new CA..Medicredit

I would give them a few weeks before my next call if you dont hear, you want to stay on top of it all.
"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne

Message 9 of 12
Contributor

Re: Hospital debt now with a new CA..Medicredit

The hospital determined the CA entered 4 incorrect payments on their end and therefore the balance was calculated wrong. The hospital will keep the account with the same payments as I had with agency beginning in May.  So it’s all fine for now.








Gardening since April 2018
Message 10 of 12
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.