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I received a bill for $180 for my share of medical bills from an ER visit 3 months ago. I paid 1/3 when I received it and wrote a note explaining that I would pay $60 a month for the next 3 months. I've kept my word and was waiting for the final statement to pay the final 3rd as I had agreed to pay. But, no bill. INSTEAD! I received a notice from HARRIS & HARRIS LTD that Clarian Health Partners has placed me in collections for the final amount. Even though I had been paying as agreed.
1. Do I call the OC and ask them why they sent me to collections when I had been paying as agreed?
2. Do I send a PFD to the OC?
3. Pay it and then go through the HIPAA process?
I'd kind of like to act on this tomorrow since I received it in today's mail. I'll admit, that in the past Harris & Harris do not keep their collections on CRs...at least in my experience.
I just don't want a ding on my report.
You can contact the OC and see if they own the account and will still accept payment for a PFD.
If they do, ask them to have the account recalled from the CA.
If it's sold to the CA, send a DV letter to the CA.
And if the CA validates, the send them a PFD.
If it were me, I would pay the OC as planned/agreed.
AFTER the payment has cleared the OC, DV the collection agency.
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I have had that happen to me before. The OC still accepts payment, every time.
I had one medical facility sorta do that to me. They basically gave me grief when I called in monthly to make a payment that I could afford. They told me to call collections and pay it. I told them I made the debt with them and I would pay them, not a third party. When I called in to make my last payment, they told me to call the CA. I said read the notes on my account. (They did -- it had been duly noted every month for more than a year.) Then I said your CA has never even contacted me - just take my payment.
The other horrible, horrible one was a hospital. I called them as soon as I knew I would have a copay. The insurance had not even settled at that point. The hospital sent it to collections IMMEDIATELY, but still accept payment. Every CA gets a DV letter. That ends that. Until the next CA letter comes. The hospital still accepts monthly payments. Go figure!
The bottom line is I always pay the OC. I always pay my debt. It may not be as fast as they want for medical, but I DO pay it!
PS - since your debt is paid off, you could do something else. You can call the OC, outraged that you received a collection letter, and ask them what that is all about??
They would probably back pedal and say they will pull it back since there is not really anything to collect.