Ok, I have been steady working on my hubby's credit. We had A LOT of medical bills from his surgery/cancer treaments that the insurance didn't pay, didn't pay all of etc. So, I got 2 letters yesterday.....1st time from them......they are very small $10.00 and $13.00. Do they automatically start reporting as soon as they get the account....have to give 30 days?? I am obviously trying to avoid this being on my hubby's credit. Also, I should call the origional creditor(Radiology Associates) and pay them.....not the CA...or do I have the time/or need to send it via mail. If so, what letter do I send with it to make sure they tell the CA to stop trying to collect on it. Please help ASAP!!
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