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(1) find out from insurance company why they didn't pay, and get them to pay if possibleI think that I've read that if the OC accepts the payment (with a promise on their part to never report anything derogatory, btw), I can then dispute the collections as "not mine," since there is no longer a debt. This sounds to good to be true. Is this correct? And more importantly, is this cast-iron? I really want this sucker off DH's reports. It obviously should never have been there in the first place.
(2) if insurance won't pay, offer a PFD to the OC (for full amount, btw, I'm not interested in ducking this)
(3) if OC can't or won't pull the debt back from the CA, then what? Here's where I get shaky.
@Anonymous wrote:
Hauling-Is Merchant's showing on your CRAs? OC too? I had a med collection from Merchant's last year. Kinda same deal, a copay from an E-room visit when I was cruising in Florida. The OC was not showing on my CRs, only Merchant's.I called the OC, they said to deal with the CA. Instead, I just sent a check to the OC. Once it cleared I disputed the CA account with the CRAs & it went poof.Maybe not by the book, but it worked for me.GL
Wow, Anderson, carbon copy!
Yes, only the Merchants (CA) is showing on his report, not the OC. That's why I didn't know if paying the OC would be the place to start.
How did you dispute the collection once the OC was paid? "Not mine", or what? I should know this by now, but my brain is just sort of lying here, gasping.
edit: cna't speel. And again after reading more closely!
Message Edited by haulingthescoreup on 02-09-2008 06:58 AM
See .. just more justification for me to keep my records all the way back to 1970! OK ... I know that is a little much for medical billings, but gee ... we are always being surprised by things that pop up so far down the road that we would have never thought in a million years that we still needed that information!haulingthescoreup wrote:...It is even possible that we have paid this, because we sort of remember sending two separate checks, but DH threw our old bank statements and check registers in the trash last year. (Pause while I try to calm down again from that.)