Is it better to send 2 seperate letters to the same collection agency for 2 seperate balances or combine them into one letter. Dealing with Equifax, it is all old medical debt so some is about to age off and I have two newer ones that will linger if I can't resolve via PFD. Curious what the conventional wisdom is on combing into one letter.
@Momagain wrote:Is it better to send 2 seperate letters to the same collection agency for 2 seperate balances or combine them into one letter. Dealing with Equifax, it is all old medical debt so some is about to age off and I have two newer ones that will linger if I can't resolve via PFD. Curious what the conventional wisdom is on combing into one letter.
I dont see a problem if you can handle paying both of them at the same time. Since these are medical you do have some further options
Medical collections are some of the easiest to get removed from your CRs, here are the steps that you should follow to address them:
1. Call the OC and see if insurance can be billed, (or-rebilled), collections ultimately paid by insurance get removed per new rules that came from CRAs settlement with 22 state AGs. If not then
2. see if you qualify for Charity Care, if not then
3. ask that they recall the collection in exchange for full payment
4. Send the reporting CA a PFD offer
5. Google the HIPAA Process and contact its creator for help, this process cannot be discussed in any forum of myFico.
gdale6 Thanks for the info.