Do Medical Bills Show up on Credit Reports#x3f;

By Sally Herigstad Published March 12, 2013 Features

Medical bills to collections

Dear To Her Credit,

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Are medical bills still being reported on credit reports? I have heard that medical bills are no longer being reported. If this is the case, why is it so hard for me to find a lender?

I am interested in purchasing a home instead of paying for something every month that will never be mine.

When you owe money to your doctor or to a hospital, it generally does not show up on your credit report.

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However, if the bills go unpaid long enough and end up in collections, they're going to be on your credit report, and they will affect your ability to get credit, including a mortgage.

Becky Walzak, president of Looking Glass Group in Deerfield Beach, Fla., and an expert in loan quality assurance, says, Frankly, we see a lot of medical bills on credit reports.

Often, the bill has gone to collections because it is under dispute. The most frequent reason is that they are arguing the claim -- they think the insurance company should pay it, they think the bill was outrageous, a variety of reasons, says Walzak.

Sometimes even a small bill can cause trouble. The hospital forgets about it and it goes to collections, and people only find out about it when they pull their credit report, she says.

A more serious problem, from the point of the mortgage lender, is a raft of major medical bills. Too many bills show an inability or unwillingness to pay bills, or they may point to a potential bankruptcy in the future.

In some cases, the patient may simply be waiting for the insurance company to go through the paperwork. Meanwhile, doctors and hospitals send large bills to collection agencies sooner than they would small ones. We take these much more seriously, because how are you going to pay these? says Walzak. If you are going to file bankruptcy, are these going to be discharged? That's when your medical bills are going to show up.

Not only do medical bills in collections show up on your credit report, but they also factor into your score. Lenders will look at it as potential disregard of obligations, says Walzak.

Here's what you should do if you have medical bills:

  • Pay them off, if possible. If they are small bills, perhaps that you are disputing with a medical provider, a mortgage lender may require you to pay or settle the bills before you can buy a house.
  • For large bills, agree to a payment plan with the provider, and then stick to it. If you can keep the bill from going to a collection agency, potential lenders won't even hear about them. Many people believe that if they send something -- anything -- to the doctor, their accounts won't be sent to collections. In truth, it depends on the doctor and on your bill. If you send $1, obviously, the office will not be impressed. If they are satisfied that you're trying to pay, however, they're not likely to turn you over to collections.
  • If you have a significant bill in dispute, put a statement on your credit report. For example, Walzak knows someone who had dental work done. The patient received half the treatments and was dissatisfied, so she stopped treatment. The dentist billed her for the entire amount anyway. In situations like this one, you should notify the insurance company and medical provider that you did not receive the services you are being billed for. Lenders look at more than your credit score. Sending statements to the credit bureaus tells potential lenders that you're conscientious about what's going on with your finances.
  • Pull your free credit report regularly. You'll want to keep on top of any negative items and either dispute them or add explanation statements. You can pull them free once a year for each of the big three credit bureaus (Equifax, Experian and TransUnion) at AnnualCreditReport.com.

What lenders are looking for, according to Walzak, is the concern is for disregard of obligation. We're looking to make sure that you have a concern about paying your debts, she says. That's as true for medical debts as for anything else you owe.

What about medical credit cards? It's just another credit card, says Walzak. If you apply for a medical credit card before treatment, the balance and other information is reported to the credit bureaus just like any other credit card.

Always resolve medical debts as quickly as possible, just like you would any other bills. Take care of your credit, and you will soon be in that house that you can call your own!


The Collection Laws for Medical Bills

Medical bills to collections

doctors treatment image by TEMISTOCLE LUCARELLI from Fotolia.com

Federal law allows doctors or hospitals to send the overdue bills of patients to collection agencies. But the agencies hired by these medical professionals must follow certain rules when trying to collect on their unpaid bills. It's important for consumers to know these rules; it's the only way they'll know if collection agencies are employing illegal tactics against them.

The Health Insurance Portability and Accountability Act (HIPAA), federal legislation that regulates medical privacy issues, gives health care providers the right to disclose certain information about their patients to collection agencies. The act also gives doctors, hospitals and other medical providers the right to report overdue bills to credit-reporting agencies.

These medical providers are not required to get the consent of patients before referring their unpaid bills to collection agencies.

Under HIPAA, medical providers are only allowed to provide certain types of information to collection agencies. This includes the name and address of patients with unpaid bills, their birth dates, Social Security numbers, payment history and account number.

Medical providers are not allowed to share information about patients' medical conditions with collection agencies.

The names of some medical providers could provide collection agencies with enough information to guess the medical conditions for which these patients sought treatment. For instance, the name Fairview Mental Health Practitioners would give away the fact that a patient was seeking therapy. This issue is addressed in another federal law, the Fair and Accurate Credit Transactions Act. Under FACT, medical providers must mask their names if these names could disclose the type of medical care that patients sought. A medical office named Fairview Mental Health, for instance, might simply be listed as Medical Provider or Medical Office. This helps protect the privacy of patients.

Patients also receive the same debt collection rights that all debtors receive under the Fair Debt Collections Practices Act. This act forbids collection agencies from using threatening or abusive language, calling at unreasonable hours (though the act doesn't define unreasonable), calling consumers' employers or neighbors or insinuating that consumers can serve jail time for not paying their debt.


Dispute Medical Bill Collections on Credit Reports

Medical bills to collections

If you experience a health event, it is better to dispute any medical bill errors before you have to remove the collections account from your credit report.

The old saying, “a stitch in time saves nine,” applies to medical billing disputes. The earlier you can correct and resolve a problem, the less damage it will do. Discover the best strategies to contest insurance claims, and out-of-network balance billing surprises.

Do this before the healthcare provider refers your case to the collection agency.

Medical collections debt is very difficult to remove from your credit report once they appear. Paying off the balance in full does the trick. You need valid documentation to delete unpaid medical bills displaying in error.

Dispute Medical Bills Before they Appear on Credit Report

The best way to avoid having a black mark appear on your credit report is to dispute medical bills with the healthcare provider and insurance company immediately. By resolving the matter up front, you avoid the consequences for years to come. Once on your credit report, they are very difficult to remove.

Consult a credit repair expert. The best dispute approach is to communicate early with the provider and insurance company together before they send your account to the collections agency. The optimal strategies vary for patients with and without insurance, and those receiving care at a hospital. Collection agencies do most of the reporting to credit bureaus in this industry.

Patients disputing medical bills without the benefit of insurance coverage must engage an entirely different strategy. Without coverage, you are responsible for 100% of the charged amount, which is often both outrageous and undisclosed.

Do you qualify for debt relief? Without insurance, patients lose the pre-negotiated wholesale price for services (otherwise known as in-network or allowed charges). Healthcare providers often charge whatever they like to the uninsured. Often, these prices are double or triple what they accept from the insured. Contest the amounts charged for each line item.

Providers do a lousy job of disclosing prices for services in advance. Many patients without insurance learn the cost of services only after the fact.

  • Would you shop at a grocery store that did not prominently display the cost of an item?
  • Would you put items in your cart and simply pay the cashier a random amount?

Of course, this would be absurd! However, this is exactly how the industry treats uninsured and out-of-network patients. Challenge the provider to produce a copy of any financial responsibility statement that you might have signed. Challenge them over their failure to disclose costs in advance of services.

Debt consolidation loans can help you retire this obligation. However, qualifying will be difficult once the negative mark appears on your credit report. In addition, you will now have to pay interest to the lender. There is no easy way out.

Begin by disputing any medical billing and claims processing errors with your insurance company, in coordination with the health care provider. They submit an invoice with complex medical billing codes to the claims department of your insurer so that they will reimburse them on your behalf.

Sometimes the provider submits the wrong medical billing code for your procedure on the claim form. Other times, the insurance company claims processor misinterprets what amount your plan should cover for each billed procedure.

Working proactively with both your provider and the insurance company is the best way to keep your account out of the collection agency’s hands. Remember, you picked your insurance plan. Therefore, you are responsible for knowing how it works, and to advocate on behalf of the doctor, dentist, or hospital to resolve any open payment issues.

Financial assistance can help you repay a portion of the outstanding balance.

Successfully disputing medical bills from hospitals often involves exposing an industry dirty trick – which applies only to patients with insurance. People frequently check into an in-network hospital expecting the plan to cover every expense after satisfying the deductible, coinsurance, and copayment.

After checking out of the in-network hospital, many patients get surprise balance bills from out-of-network contractors who provided services at the hospital. Many hospitals contract with anesthesiologist groups who invoice separately. Many specialists who pop into your hospital room to consult on your case invoice separately as well.

These providers balance bill the difference between their higher retail rate for services (the provider charges on the explanation of benefits), and the lower hospital pre-negotiated wholesale rate (the allowed charges on your explanation of benefits).

Challenge any out-of-network balance bills if you use an in-network hospital. Many states have laws limiting the extra amount charged by these providers. Disclosure is a big problem for the industry.

  • Did the hospital disclose that they use contractors who invoice separately?
  • Did they ask you to sign a notice of financial practices?
  • Did you sign the notice without reading it?

Disputes with Collection Agencies

Disputing unpaid medical bills with collection agencies is your last line of defense before they report the information to the credit bureaus. Time is running out. Therefore, you must act quickly – providing there is some type of legitimate error to contest.

Medical collection agencies frequently contact debtors several times before reporting any information to the credit bureaus. They use the possible negative consequences as a lever to prompt payment. Be prepared to challenge whether the medical bill is your responsibility and whether the amount owed is correct.

Challenge whether the debt is your responsibility if any of the following fits your scenario.

  • The identifying information on the account contains anomalies. Collection agencies often utilize 3 rd party data sources to locate debtors. They use software to guess at new phone numbers, emails, and physical addresses. If the debt does not belong to you, contest it.
  • You can document that the insurance company should pay the claim. Collection agencies know the lingo, and they are adept at getting adjusters to approve claims.

Contest the amount of money you owe if any of the follow fit your situation.

  • You did not sign a patient financial responsibility form.
  • The provider did not adequately disclose the cost of the expected services.

Removing Medical Debt Collections on Credit Reports

Removing medical debt collection accounts from your credit report is very difficult once it displays. You will need a legitimate reason to do so. You will fare much better by addressing the issues before the health care provider sends the debt to a collection agency.

However, you may have missed this opportunity. At this late stage, the best strategy is very different from removing paid versus unpaid medical debt collection accounts from credit reports.

Removing paid medical bills from your credit report is rarely a priority item. You can relax if you no longer owe any money to the healthcare provider or collection agency. The item could delete on its own, and should not affect your credit score.

The bureaus must automatically delete from your credit report any medical bill ultimately paid by the insurance company. Claims delays are very frequent and do not reflect patient behavior. Contact the collection agency, and make certain that they communicate that the insurance company paid the claim in full.

When the patient pays the medical bill in full, the bureau will update the status from “unpaid” to “paid medical collection account.” However, do not worry about that the trade line remains.

Removing unpaid medical bills from your credit report can immediately help your score, but it will be much more difficult to achieve. Unpaid medical bills are considered consumer debts and belong on your file if accurate.

You will have to prove that the information is inaccurate in order to delete it from your file. In most cases, you must begin with the source – as described above. The bureaus display the information reported to them. The collection agencies rely on information communicated by the healthcare providers and insurance companies.

Engage two different sample dispute letters to get rid of inaccurate unpaid medical bills from your credit report. Errors can occur at the credit bureau, the collection agency, and with the healthcare provider. Choose the sample letter template that corresponds to your situation.

If the error originates at the source, sending a dispute letter to the credit bureau rarely helps. They will simply refer your case back down to the food chain for verification.

Credit bureaus assemble consumer reports by matching identifying information communicated by the collection agency. This is not a trivial task as people frequently move, change names, and data entry clerks make typos. They employ software to make educated guesses as to whose file to post a particular tradeline.

Use this sample dispute letter to remove an unpaid medical collection account that does not belong on your credit report. It pertains to another person. Send the letter to the bureau incorrectly matching your file.

“Please take off the unpaid medical collections (account # XYZ123) displaying on my consumer report. The trade line belongs to a different consumer. It appears that your software created an incorrectly merged file. While the identifying information is very similar, the following elements are not associated with my identity. Check those that apply.

  • First name
  • Middle name
  • Last name
  • Date of birth
  • Social security number
  • Current address
  • Previous address

Enclosed are certified copies of my government photo ID to verify my identifying information.”

Credit bureaus must automatically erase any old unpaid medical bills from your credit report after seven years. Sometimes the source does not convey the correct date of first delinquency. Use this sample dispute letter in this scenario.

“Please delete the old unpaid medical collection account #ABC123. The obligation reached the seven-year expiration date on MM/DD/YY. Attached is documentation from the original healthcare provider validating that the date of first delinquency is now more than seven years.”

The most common collection agency error occurs when they resell portfolios of medical debt. Collection agency one will work your file for a period. Then they could sell the rights to collect on your obligations to agency two, who could then resell the rights to agency three, and so on.

In theory, one medical debt collection account should appear on your credit report. In practice, the process breaks down frequently as your case file moves from agency to agency. Duplicate entries could appear.

Use this sample dispute letter to remove duplicate medical collection accounts on your credit report. Send the letter to all three bureaus, as the error does not originate there.

“Please remove the unpaid medical collections (account # MNOP123) displaying on my credit report, and sourced from collection agency ABC. It is a duplicate originating from healthcare provider MNOP – dated (MM/DD/YY). Agency ABC transferred the receivable to agency DEF.

Note the similarities between the two trade lines.

  • Date of service
  • First delinquency date
  • Healthcare provider
  • Amount owed

Attached is correspondence from collection agency ABC confirming the transfer.”


medical bills to collections

Use this sample medical debt settlement letter as a template for your formal notification.

• The letter should be as short as possible. One page should be enough, but never more than two pages. If it is too long, it may get tossed in the trash.


Rights and options concerning medical debts

Medical bills fall under the Fair Debt Collection Practices Act because they meet the definition of a #8220;debt:#8221; a consumer#8217;s obligation to pay money arising out of a transaction in which the money, property, insurance, or services are primarily for personal, family, or household purposes.#8221; This legal conclusion gives you rights and options with regard to your medical debts.

Medical debts and charges are amongst the error filled consumer debts, making them ripe to dispute under Fair Debt and Fair Credit laws. These laws turn the tables on medical bill collectors and reporters, possibly netting you thousands of dollars in the process. If a medical debt you dispute in any way is on your credit report or being collected, contact a FREE consumer protection attorney and see if you are entitled to compensation.

There are two common misconceptions about medical insurance:

  1. You think your insurance company is responsible for paying your medical bills and,
  2. You think medical providers are required to bill your insurance company.

The truth is consumers are responsible for their own medical debt. You therefore must ensure their insurance company is billed in a timely manner and billed correctly. It also means you must follow up in a timely manner to ensure the medical bill gets paid.

As a convenience most medical providers will directly bill your insurance company. Accepting their offer does not relieve you of financial responsibility however. And it#8217;s not uncommon for medical providers to submit medical bills after an insurance company#8217;s deadline for filing. In some cases the provider may, for a number of odd reasons, not submit the medical bill at all. Further, your insurance company may reject the bill or flat out refuse to pay.

Regardless of the reason, the bottom line is that you are still responsible for paying a medical debt unless you dispute it. It is not the medical provider#8217;s concern that your insurance company did not pay your debt. You may therefore have to argue with your insurance company to get the bill paid. You may also have to pay the provider yourself and then work with your insurance company to get reimbursed.

Submit your information to a FREE* Fair Debt Case Review if you believe a a medial bill is being collected wrongly or you believe you are a victim of illegal or unfair debt collection practices.

Medical bill disputes arise when you have old medical debts that you consider invalid; such debts can be disputed just like any other debt.

And just like any debt, interest can be added to medical bills IF the original contract or paperwork allows it AND your state law does not prohibit it. Always read the medical provider paperwork (contract for services rendered) carefully! And ALWAYS check your state law to make sure you are not being overcharged. Some states limit the amount of interest and the amount of collection fees.

Statute of Limitations on Medical Debts:

Medical debts are generally considered closed-ended credit contracts with a definite pay-off time limit. Unless you have a separate agreement medical debts are usually payable at the time services are rendered or in some cases within 30 days. Check your State#8217;s Statute of Limitations (SoL) before you pay anything or simply ask a free consumer lawyer if the debt is even collectible.

Medical bills to collections

Disclaimer: We are committed to protecting your privacy and ensuring the confidentiality of your information. By submitting this form, you authorize us to distribute your inquiry to an independent presenting law firm who may be able to provide you with consumer law services. However, submitting this form does not establish an attorney/client relationship with that firm– that will be established only upon mutual agreement and execution of an attorney client contract with the law firm to whom your inquiry/submission is referred.

Recently as I left one job and went to another I was without healthcare insurance and had to visit an emergency room for 9 staples. I received a bill from the hospital but never got one from the treating physicians group. I received a letter from Trevor Solutions In another state that was vague about who they represented. I contacted them and they said they could not give out information about the group they represented as it would be a HIPPA violation then proceeded to ask me all sorts of questions. I was not comfortable giving important information to some by phone as they were not forthcoming about what the reason for contacting me was. I soon started receiving phone calls and tried returning them but never could reach an agent even though the automated answering system stated their hours of operation. I eventually got a third and final warning letter with a law firms emblem on the top stating it was my last opportunity to cooperate by rendering the required information. I then contacted Trevor Solutions and tried to ask them for an itemized bill of the debt I owed. The agent claimed he didn#8217;t have to send me one and I asked how much he would accept that day to stop the calls and he claimed he wouldn#8217;t accept payments. when I asked how I was to pay for the debt he answered they would go to collections. I eventually got the physicians group, Schumakers Doctor Group to send me an itemized bill which I received at about 72 days after treatment. They were puzzled as to why I never was sent a bill as Trevor Solutions was to work on the subjugation of charges with me. The hospital bill had some double and false charges that I was able to dispute in person but the people I am to dispute the physicians group bill with is Trevor Solutions who says they cant share information with me and doesn#8217;t have to send a bill to me and while they wont take any payments from me will collect through their in house lawyers. I still have 22 days to file a dispute about the bill the treating doctor has filed with his physicians group and have concerns about how to prevent this from going to collections as it seems to be the path Trevor Solutions wishes to take. Any help or advice on this matter would be greatly appreciated. I await your response and thank you for your time

Amongst the vast array of credit charges consumers incur, medical bills are amongst the most inaccurate and ripe for dispute. And if charges are deemed inaccurate, or validation processes not followed, medical bills turn into FDCPA cases that can earn consumers up to $1,000 or more, plus a lawyer at no charge to the consumer. Now even though everyone would like collections to be perfect, they are not, and the this consumer protection law was enacted to be used. Learn info on disputing debt collections here or just hire LawCent to perform all your debt collection and credit report disputes for as little as $20 a month. If you aren’t satisfied with the services, cancel before you pay the prior month’s bill — even after they send the disputes! Sign up through this site and pay One Cent to hire the LawCent legal team. Learn more about LawCent.

My insurance company didn#8217;t pay claims for a good period of time because it said I had 2 insurance companies, after I submitted prof I didn#8217;t they said they would pay the bills, I have over 20 accounts in collections because they never paid them, when I called they said they were suppose to be paid back in June of 2014. I was denied credit because of the collections. What can I do?

Give us a call we would be happy to have an attorney review this situation and provide a free no cost no obligation case review. 888-595-9111

Can you tell me the NJ S for a doctor charging fees for services not rendered? I know there is an actual law because I had a dentist do this same thing to me for a missed appt, it illegal for a doctor to charge a fee if you can#8217;t make an appt, but they believe if you did not cancel or call them in time they have legal rights to bill you for services not rendered nor an agreement signed by you that you agree to pay this fee, I just can#8217;t remember the law. Thanks

I know there is a limit on the time a doctor must submit a bill to the insurance companies but is there a time statute on how long after insurance pays before doctor can send bills for copay? If an ins co pays within 60 days shouldn#8217;t the copay be billed to pt immediately not nine months later?

I was under the impression that a medical provider had to sent you your co-pay bill with in 60 days. After that you could dispute the charge.

Similar to Fran#8217;s question dated 5/28/15#8230;.How about receiving a bill for an additional co-pay from the provider EIGHT YEARS later?

Hard to say, smells fishy but we need additional details, please call us.

So my daughter had to have emergency surgery in March. I was diagnosed with breast cancer at the end of April. We now owe money to several different medical facilities.

I have one facility that does not want to work with us on the repayment plan because we make to much money. I have explained to them that I am going to be out of work for a number of weeks possibly months so our income is going to be substantially less and I don#8217;t want to commit to something that I will ultimately default on.

I just want to know what my rights are when it comes to repaying. Am I required to pay what they demand or am I legally able to pay what I can?

I don#8217;t want this to go to collections but I just can#8217;t pay what they are demanding. As it is I have been out of work for 2.5 weeks this time around.

Need more facts, want to help. Maybe debt settlement is the solution, call 888-595-9111 for a free consult.

It is 7/06/2015, doctor#8217;s office is try to collect for bills from 2011 and 2012. As far as I know they were paid.

Smells odd, let#8217;s check it out. Call for a free case review, 888-595-9111.

hi i was sued by a hospital listed as plaintiff on case i called hospital and they sent me a itemized bill for the 9 accounts that had all a zero balance and a bad debt write off listed. i have a letter from plaintiff aka hospital stating i owe them zero dollars its my understanding of the law that company suing me a collection agency is false representing themselves and it should be fraud and thrown out of court due to a number of reasons i even have to send the check to them and i am not allowed to pay hospital that is plaintiff. if i am being sued for a debt that a collector has bought or picked up i have to be sued by that collector is this not true?

My husband just passed away after several years of being ill. I have a collection company telling me I am responsible for his medical debts that were not covered by insurance. I live in Colorado. Does anyone know if I am legally responsible.

I have a few medical collections bills on my credit report from a hospital visit. I never received an itemized bill, only bills from collections agency. The hospital/medical office is closed and they filed for bankruptcy. Am i still liable for the bills to the collection agency?

Depends who owns it, but medical collections are usually rife with errors (and thus FDCPA violations). Call 888-595-9111 for a free, no obligation consult.

Hi, I am a resident of Ohio and in 2011 I was vacationing in Florida. I had recently been diagnosed with adult onset diabetes and had an issue that required immediate attention. At the emergency clinic I provided proof of insurance and a photocopy was made of my insurance card. Treatment was rendered. I never got a bill from the clinic. I did, however, get notice that my insurance had paid the ER room charges. Some time later I was contacted by collection to pay the physician#8217;s bill because I had fraudulently told them I was a Florida medicaid recipient. THey had billed medicaid and it was denied. Still, I had not received any billing on these charges and was unaware they were due and owing. I contacted the physicians providing the service and after negotiation was told that the debt would be discharged because it was their error that medicaid was billed and the time to submit to my insurance had expired. The physicians group accepted the responsibility and was to have discharged the debt. All of this was communicated to the collection agency. THey were aware that the debt was discharged. Now, I have been contacted again by the same agency attempting to collect this debt and from someone who says he is an attorney and will be pursuing this legally. Unfortunately, I don#8217;t know where the paperwork is that documents this discharge of debt. I believed it was over and done. What are my options. My insurance coverage had been with the same provider for many, many years and they had stated that if the claim had been submitted timely it would have been paid. Additionally, I know the correct information had been submitted because the hospital facility was paid #8230;..

I have several outstanding medical bills turned over to collection agencies because I filled for and won my disability claim. Originally my Medicare part A and B were 3/15 and 9/14. I made a deal with Medicare to pay 6 months back premium for coverage for both parts to be effective 9/14. Many of my health providers are refusing to refile the claims because they have been turned over to collection agencies and some of the agencies will file but some will not. I do not have the resources to pay the collection agencies. The claims would be paid if they were refiled. Do facilities that contract to accept Medicare not have the obligation to file the claims for patients with Medicare? Please advise.

a third party collection agency is charging interest on my medical bill when i never agree while receiving services at the hospital for any interest rates. can the debt collector charge me interest on my bill when i never agree at the hospital or signed anything stating this. i leave in california

I received a medical bill this month for the delivery of my son. The bill is 19 months after delivery. Upon contacting the insurance company, I learn that the insurance company received a claim two weeks after delivery. The company paid their portion two days later. The hospital did not send a bill for the remainder due until 19 months later. I have contacted the hospital and they are blaming it on a computer issue. Please help!

My daughter got a bill from the hospital 2 years after my grandson was born, go figure?

I live in Spring Hill, FL. Back on 12/28/14 I took my infant daughter to the ER. At the time I had thru work a Humana HSA Health acct with a $12,000 deductible. Upon leaving the hospital I explained to the clerk that I wanted to pay the entire bill or what is contracted thru my Humana HSA, (I paid $496.00) as not to recieve any surprise bills later on. Fast fowrd to 10/17/2015 I receive a bill dated 12/28/2014. When I called they told me that this was the charge for the Dr (I didn#8217;t see the Dr I saw a nurse practicioner), and that what I paid that day was for the ER visit only. They also explained that it was sent to my Ins but was kicked back because it was applied to my $12,000 deductible and that I sould have been told, that I would receive a separate bill for this. The bill is for $524.00. I don#8217;t agree with this practice of not being told anything and receiveing this bill almost a year later. Do I have any options? Either disputing, not paying, or paying a less amount. Thank you!

I just received a statement for $800 worth of medical bills that are 2 years old. The physician#8217;s office never sent bills before now. Am I obligated to still pay 2 years later?

Hi #8211; Did you ever get an answer to this? We just got billed over $500 for a procedure more than 2 years ago.

Same here. My daughter broke her wrist in September of 2014. The insurance paid their #8220;contractual #8221; adjustment on 1/23/15. We received a bill yesterday for $323! Its been 23 months! Are we responsible for this!

I had a back surgery and after 6 months my surgeon referred me to a physical therapy, I went to this location referred by my friend and i asked them if they are Tricare network, and they said they are in network, so i did my 10 session and after my 10 session they sent me a bill that i had to pay my copay, as a tricare holder for years I never had to pay out of pocket any copay since tricare pays majority and the network provider will adjust to the portion if tricare pays shorts. so they billed me $280 and I refused to pay and they sent me to collection and now i received a court letter that they are sued me for $280 fee plus additional interest and attorney#8217;s fee of $200 it end up costing $600

what should i do.

In August 2006, I got hurt at the local Fair inTennessee where I live. I fell into a trench that had been dug for an electrical line 3 YEARS earlier but was never filled in properly. Yet the Fair and the City choose to have their exhibitor#8217;s parking in this field where no one could see the trench (went up to my waiste.) I sued for getting hurt and for my medical bills. In November of 2008, we settled out if court. The lawyer got her 33% up front. I got a good portion of the remaining money, but the money set aside for the medical bills were put in a bank account at my lawyer#8217;s bank. There has been no suits against me for said medical bills. Lawyer is saying I have to wait until November 2016 in order to obtain the remaining money from the suit. I was on the understanding that I could get the money 8 years after the bills we#8217;re incurred. Now I#8217;m being told It#8217;s 8 years from the time the law suit was settled all the while the lawyer is drawing interest on my money. It takes me 2 to 3 weeks to get someone on the phone at my lawyer#8217;s office and keep not getting a straight answer. In Tennessee, when can a medical bill collector no longer take me to court and when should I have access to money set aside for said bills?

I have a past due bill of about $750 with an old family doctor and received a past due notice with a notice to send to collections by December 20th 2015. I spoke to the billing company back in mid December and she said that if I had a dispute, which I do, to contact the doctor. His wife does the accounting and I have left several messages with her and voice messages on the doctor#8217;s cell phone and office phone. Each message, I asked the doctor to call me back so that I can take care of my bill. He has not called me back in 3 weeks. What are my rights?

I just called to make my appt with an ob dr that delivered my son in 2008 and performEd my hysterectomy in 2009. Her office staff stated she could not make my appt due to the fact that I have a collection balance. Which I had no knowledge of. I had two insurances at the time of my procedures. She said insurance didn#8217;t pay everything. And I would have to agree to pay at least 100.00 at time of service or she could not make my appt. She put me on hold and said she would be back she would ask the credit manager if it was okay to make my appt without me agreeing to pay at least 100.00. I have been off work since before Christmas and now I may need another surgery. Now she says I will have to wait until Monday and she will call me back. She can#8217;t make my appt yet. She couldn#8217;t get a hold of her. I told her I had two insurances then. And I have two now. She still can#8217;t do anything

I have been contacted by our family medical centers billing dept about past due funds. I was told that any upcoming appointments at the clinic for my child who is asthmatic and under a 5 year environmental allergy treatment. They stated that unless the $30.00 owed was paid in full he will not be seen by the physician. Is this legal? I have the 30 dollars and would have gladly paid it had they not presented this in a manner of a threat. I basically told them what they can do with themselves. I am furious and this has left not feeling well at all.

quick rundown. supposedly failed to pay a debt from a medical infussion. The debt was sold to johnson Mark LLC. They have contacted us and asked for payment. We agreed to pay $50 per month on the account. They continued to contact us and tell us they want us to pay more. Our budget can#8217;t handle that was our reply. They threatened lawsuit or legal action if we didn#8217;t pay more. We told them we are willing to pay but it will take time as we have this amount that is available to do so. They have now filed a lawsuit. The plaintiff is a company we have never heard of (not the medical company) and the only date stated is the date in which this plaintiff obtained the debt from the medical company. This date is almost at the sol and I believe is well past it if based on time of service and last payment to original debtor. Summons is State of Utah, no case number, no judge, marked at the bottom is the note #8220;This communication is from a debt collector. If you wish to resolve this matter please call Johnson Mark LLC at 801-285-5700. Ref# xxxxxxx.

Any advice welcome. Interested in initial consult and possible representation.

I reviewed a call and a bill from a doctors office dating from 2008-2009. No payments have been made to them. The last ipayments from me and the insurance company was in 2009. Am I still obligated to pay this bill? Can they sue me for this?

I went to ER on FL Hospital on 4-26-2015 for a flu-like symptom. I end being hospitalized because the blood work came out so bad that the doctor let me in the hospital for a week looking for a #8220;cancer#8221;. I was submitted to more blood work, X-rays, MRI, and so on. Finally they never found the cancer and they never treat me for my original flu like symptom that was just a chronic bronchitis. Now I have a ton of debts because my insurance didn#8217;t pay on time. My debts are on collection now and I am desperate and depress. I just need to know what to do next.

We recently received a sizable bill from the hospital for the anesthesiologist for my wife#8217;s thyroid surgery 15 months after the surgery. A small amount had been deducted for an insurance payment. We#8217;ve been told by several friends that there is a deadline for providers to send bill to patients, after which the patient is not responsible for paying that bill. I#8217;ve not been able to confirm this. Is there a such a deadline? We live in Wisconsin.

I am going through this currently in WI as well. Haven#8217;t received a bill all year and now in October I receive a statement saying we owe over $6,000.00. this is from services rendered from the January on. I too am trying to find a deadline. I was told if it is over 6 months old that they have to write it off but I cannot find anything to support this. Please let me know if you have heard of anything.

A provider is required to bill insurance at patient request within 12 months of the date of service. They can choose to bill later, though. Since it was more than 12 months, I would recommend disputing the bill if they won#8217;t send to insurance.

I have a hospital bill over 13 years old. I live in Iowa. At the time I had Medicaid and was pregnant and had lost my baby. Now, fastforward to 2014 My paycheck gets garnished 25% from an attorney who works for the Collections Agency hired by the hospital. I go to court to get it Quashed but only get it reduced to 50% . Yes this helped and once it was expired they collected $1150. I have heard nothing from then until 2 months ago my check is surprisingly garnished again by the same company for the same debt and nothing notated that they recieved the 1,150.00 in 2014. i have proof of all deductions from paystubs. I go BACK to court again they only reduce it to 50% and I am again in this vicious cycle of paying for a debt that I know is already paid for. I NEED HELP GETTING THIS STOPPED ASAP. I AM A MOTHER OF 4 CHILDREN LIVING CHECK TO CHECK AND NOW FACE BEING HOMELESS. PLEASE IS THERE SOMETHING YOU CAN DO??

I just received a call from a collection agency trying to collect a charge from 2012, they state my insurance paid there part and i havent paid mine#8230;I have never recieved a bill stating i owed money and this is the first

i have heard of this bill#8230;to i have any rights to fight it this long ago?

I had surgery at LVSC in Mar #8217;16 when I arrived was told I had to pay their calculation of my out of pocket in-network cost (net of insurance), $582. Since then I#8217;ve received in-network bills from two doctors that have corresponding Anthem EOBs. Their bills do NOT reflect my $582 pymnt and total to

$350. I#8217;ve contacted LVSC by phone a letter to their CEO and they#8217;ve still NOT sent me a bill that reflects my $582 pymnt but have left 2 voice mail messages stating I have a refund and that #8220;I need to call#8221;. This phone tag game has gone on for 3 months with no refund, no bill, and an escalation from the 2 doctors who state that I owe them money and they know nothing about my $582 pymnt. What can I do here that would be effective and make everyone happy?

I had an ultrasound done on my gallbladder a few months ago. I actually got a bill from the medical facility showing I owed nothing. I assumed my deductible for the year must have been met. Well, something else came up in my life that necessitated me spending a large amount of money I couldn#8217;t easily spare. THEN the medical center sent me a bill for several hundred dollars. I have been paying it off a little at a time, but today, I got a call from them saying I was not allowed to keep paying like that. I feel like they were in error for not billing me correctly to begin with. Years ago, I had to have a follow up test and we worked it out so I would pay $25 month, but despite that, they continuously sent a statement threatening to turn me over to the collection agency. This is why i rarely go to doctors.

I received a medical bill in my 5 year olds name today, that would have been sent to collections had I thrown it out not realizing it was a bill. I#8217;ve made arrangements, but they refuse to put it in my name even though he is clearly a minor. Is there anything I can do to protect his credit or to stop him from being billed in the future?

I just received a bill that is 12 months old for an MRI. I have had several MRIs done at this facility and always paid the balance in full while I was there receiving the MRI. I just received this bill out of no where. There have been no previous attempts to contact me as the statement date was just a couple of weeks ago. It indicates on the bill that my insurance paid them with in 30 days of the treatment. Do I have to pay this bill?

I had my wages garnished back in 2012 for unpaid hospital bills after surgery for cancer. I received so many different physician bills that I could not make payments to all at the same time as I was unemployed. I was just told by my HR department that the credit agency cannot charge monthly interest on medical bills in collection. I live in California, is this true? They are charging me 10% per annum on the unpaid principal. Thank you for any information you can give me.

Recently we received a statement from one of my husbands doctors offices. It was showing debt owed for 2015 and 2016 totaling over $1,000.00. When I looked back at my insurance portal I showed payment for the 2015 bills. when I called the billing number they told me they applied those payments to other service dates. Also, we have not received one bill from the doctors office for the year of 2016 stemming from his first visit in January to current. the statement balance was over $6,000.00. My husband had inquired about this earlier in the year as I thought it was strange that we had not seen a bill. Now, 10 months later I receive this. They told him our account was suspended and that is why we were not receiving any bills. Are we obligated to pay all of this considering they never sent us a bill until now?

My son (26 yrs old at the time) was in an auto accident . He was the only one involved. He was driving his father#8217;s car and it only had liability insurance. Son was on Father#8217;s BCBS health insurance.

Son was med flighted to hospital. BCBS paid to father a portion of the med flight Bill. They (med flight) will not settle for that amount. Father has held money because they won#8217;t settle. They are calling son to eye to collect. Son due to the many medical bills is planning on file bankrupcy.

Will his father be able to keep the.money he received from BCBS if son files bankruptcy ?

My son (26 yrs old at the time May 2015) was in an auto accident . He was the only one involved. He was driving his father#8217;s car and it only had liability insurance. Son was on Father#8217;s BCBS health insurance.

Son was med flighted to hospital. BCBS paid to father a portion of the med flight Bill. They (med flight) will not settle for that amount. Father has held money because they won#8217;t settle. They are calling son to eye to collect. Son due to the many medical bills is planning on file bankrupcy.

Will his father be able to keep the.money he received from BCBS if son files bankruptcy ?

2 years ago I had a stroke, I have numerous medical bills in collections. I am 25 and had a different insurance (my moms) and now I am on medicaid bc of other bills. I havnt recieved a bill or phone call for about 1 year and a half, should I be concerned they#8217;re not affecting my credit score but I recently got married and worry they#8217;d seize our joint account

I don#8217;t understand a medical claim from 2 years ago being processed 2 years later. I am really confused. It doesn#8217;t show that I owe anything but there are 24 pages of approx. 6 different medical claims from 2014 all processed in December of 2016. Does this make amy sense to any one else. At the time I was paying premiums and deductibles in an employee medical plan. Thru Humana.

I jus receive a call saying im being sued for an ER visit for my son in 2008 #8230;..i havent seen any paperwork they said they will not send any paperwork until a final decision is made #8230;.has anyone ever had this happen

My son was in an accident in Maryland in 2000. We took him to Patient First in Bel Air, MD for a couple of follow-ups. The insurance was supposed to cover it. We moved that same year to Chesapeake, VA. They opened a Patient First in our area and we went to it in 2015. They denied me service because they said I owed them $1,100 from my son#8217;s bill in MD from 2000. We never knew about the bill, thought the insurance covered it. I offered to pay the original amount and they said no, they wanted it all.

Statute of Limitations in Maryland is 3 years. So by 2003, that bill would no longer have existed. Print it out and take it to them. Do NOT under ANY circumstances, agree to pay or pay anything for that bill!! If you agree to pay or pay anything, it resets the statute of limitations back to year 0 and the 3 year limit begins again.

My question involves collection proceedings in the State of: VIRGINIA

My question concerns 2 medical/Hospital bills both of which are under my boyfriends name.

It started with a recent bill for 2016 . He gave them permission to speak to me to discuss payment options. I made an agreement with them and each month i made the payments manually with my debit card online. For awhile at least until i started noticing the payments being automatically drafted. However i made no complaint because well the bill was getting paid one way or another. The other thing that got me was it was being drafted days before the due date on the statements they sent each month. However, i paid the bill in full ahead of time. Once it was paid in full they continued to draft my account. I called and told them to stop and they said it would be done. However, this is where the old 2008 bill comes in. I was told then that my payments were going to his 2008 bill. i told them we know nothing of a 2008 bill and i never authorized my account to be on auto draft and that the 2008 bill was never discussed with me from them. So heated i got off the phone not thinking to tell them to refund my money and eventually contacted my bank after seeking advice. At that time the hospital had drafted my account again after i told them to stop so i disputed both payments with my bank and was resolved. About 2 months go by so this is recent as of this month they drafted my account again. So called my bank again and then contacted the collections dept and they said i was at a zero balance and the problem falls with the hospital. So i called the hospital they tell me this time ( different from the first time) that his account still shows a balance i tell them that#8217;s incorrect that collections has a zero balance so the rep confirms and agreed to have their end updated. The 2008 bill comes up again and i explained i have nothing to do with that and again my debit card needs to come off of auto draft. i told them this time i think its funny they have a 2008 record because when he went to their hospital to get records for short term disability they told him they had no records from visits in 2008.

The rep offered to send the invoice just like the 1st rep several months back. i told them sure they can send it to me. He has not spoken to them at all about this bill he has only given them permission to speak to me about them stopping my auto draft and to discuss the 1st account. we have no prior statements about this 2008 bill until recently when they sent them to me after they offered to send it to me ( still addressed in his name). i told the last rep i cant guarantee any payments and that honestly i don#8217;t think there is much they can do since its 8 years old and told her that its not even on his credit report and she tells me that it should be. ( i know its not because i checked a yr or 2 ago myself for other reasons). However my concern is that because of everything that has happened that they may have opened the S.O.L. again by taking those payments unauthorized. Oh, one thing i forgot, the 1st rep months ago told me because my debit card was on auto draft that#8217;s why after the 2016 bill was paid off they were taking the payments for the 2008 bill. Again auto draft was never authorized and the 2008 bill was never discussed with me prior to them taking the payments.All though i got my 2 payments back after disputing with my bank and this one i#8217;m sure i will get back once the dispute is finalized. My question do I or him have any grounds for legal action because honestly i am so tired of going through this? I feel like i made a few mistakes along the way by allowing them to send me the statements and also not putting a stop to the autodraft when i first noticed it. I just saw it as well they are still getting their money and it saves me time even though i never really wanted it on auto draft. The first payment they even took after it was paid off caused an overdraft on my account and during the disputes process the bank credit that fee back to me. i also feel by stating ill talk to him about it also hurts the situation. Any advice would be great.

How much or what is the dollar $ amount before medical bills turns into collections? I#8217;ve heard they don#8217;t report it if it#8217;s under $20 and I#8217;ve heard they don#8217;t report it if it#8217;s under $50? Which one?

My daughter just had a major knee injury, my son was just born, and we now owe about $10,000 in medical bills. The problem we are facing is paying them because the two situations described above have turned into about 6 different bills and six different people wanting us to setup automatic payments. My wife has told them we can not afford $200, $300, or even $400 per month and that we would like to have a payment plan. They all say that the only thing they can do is offer us automatic withdrawals from an account. So, my wife gave them the credit card number. Now, 2 months into it, the credit card is full and they obviously still want their money, and new bills are still arriving.

So, this is the situation. I can either pay for the medical bills as they require or I can pay for my house and transportation to work. But, I can not pay what they want me to pay and keep the house and the car. So, what can I do when they reject our request for paper statements and a reduced monthly bill? I feel trapped inside of their game of squeezing the life of my family. What I could do is pay each one about $40 per month until the debt is settled. But, NONE of them will accept this. I have a wife, 3 kids, and 1 mother-in-law as dependents living in my house and I am the sole provider for the family.

Can someone please inform me of the florida statutes protecting me? We really don#8217;t want to file bankruptcy and I do want to pay the bills off since it is my responsibility. But, I just can#8217;t pay what they demand.

We emailed you. Debt settlement could be the answer. Let#8217;s evaluate your bills and finances, please call the office for a free no obligation consultation. 888-595-9111.

I had just received a hospital bill from 2015 in my 8 year old daughters name. Is this legal to put medical bills in a minor child#8217;s name? Shouldn#8217;t it be sent to parent or legal guardian? I called and they refuse to switch it to her dads name who is responsible for all medical bills. I#8217;m in state of New York. Thank you for all your help with this.

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