Medical Collections question

[hjh916]

Hi everyone.  This forum has been so helpful for me.  I have one question.  I have 2 medical collections that are not reporting to any of the bureaus.  It was sold to Revenue Collect and they are attempting to collect on the debt.  I definitely want to negotiate to pay these off, however I don't want it to end up on my reports.  Is there a way I can negotiate an amount to pay and also agree that they will not report to CB's?   I would prefer to do it in writing so I have a record.  Thanks for any info you may have.

[RobertEG]

You make a pay for not reporting offer.

Simply ask for their agreement not to report if you pay the debt within period X.

[Anonymous]

They can report, if they don't then they aren't realy following the "rules" and it's more of an exception. Could you contact the original place that the medical debt was incurred and ask them? Usually they are more willing to assist than a collection agency since the collectors work on commissions.

[hjh916]

Called OC.  They are not willing to take payment and then pull back from collection agency.  They said it is in collection agency's hands.  

[Anonymous]

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@RobertEG wrote:

You make a pay for not reporting offer.

Simply ask for their agreement not to report if you pay the debt within period X.

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As a general business practice, CA's will not report an item (to the CRA's) after its been paid, if they have not already done so. It costs them a fee to submit an item to the CRA's (yeah, the CRA's got quite a racket going), so reporting after an item is already paid would needlessly eat into their profits. Almost all CA's will give you a thirty day "grace period" between their first notice (to the consumer) and their first reporting to the CRA's.

And then there are some CA's that do not report accounts to CRA's at all.