Debt collector question.

[RiverRat1]

After deductible, I pay 20%.

Ok.

You can always ask for a itemized list from the hospital and doctors. My father-in-law gets one every time and nitpicks them to death. He meets with the business manager and goes over each charge and questions what its for. One he talks about all the time was a drug screening when he got surgery on his eyes. He bugged them until they took it off the bill. He makes them account for every charge. Even stuff the insurance covers. If they gave him ten pills he wants a copy of the inventory sheet and charts showing he actually received them. Its a bit much for me. The hospitals know people are not going to take the time to dig into their bills.

Do this. We did this when my daughter was born and saw things scary on the list like kidney removal

I think by law they have to give you a list if you ask. Tell them you want the list to check and then you will pay.

THIS...my wife needed stiches in her scalp, we got billed for 3 er docs, she saw 0....the nurse...then we got the scan bill..so, we showed the "refuse treatment" form signed by the ER folks and wife, and ME!...that was dropped too. They want you to help pay for those that never do

Yep, they rack them up as high as possibly and hope people pay.

[hightech]

Read this free online book.

https://freedom-school.com/money/american-credit-system.pdf

Chapters 1 and 10 will give you the knowledge to stop the collection agency.

Next time they call tell them you will send them something right away, then send them the Cease Comm letter on page 201.

Sample

THE CEASE-COMM LETTER
YOUR NAME
YOUR ADDRESS
CITY, STATE, ZIP
VIA CERTIFIED MAIL RRR #Z 683 294 613

Date

XYZ Collection Agency
A Debt Collection Agency
PO Box 4321
Dallas, TX 75221

RE: Account #314075900/ Deadman’s Hospital/ Amt: $343.22

Dear Debt Collection Agency:

This will serve as your legal notice under federal law, the Fair Debt
Collection Practices Act, to cease all communication with me in reference
to the above account.

If you fail to heed this notice, I will file a formal complaint against
you with the Federal Trade Commission, who is responsible for
enforcement, and the state Attorney General’s Office, as well as the
American Collector’s Association, who monitors for noncompliance.

I/We have decided that I/We do not desire to work with a collection
agency under any circumstances. I/We will contact the original
creditor to resolve this matter directly.

You are also notified that if any adverse items are placed against my/our
credit reports as a result of this notice that I/We will be forced to take
appropriate action against you, and the client that you represent.

Give this matter the attention it deserves, as the consequences could
be severe.

Yours truly,

Goldeneagle

Spot on.

[wal1809]

Read this free online book.

https://freedom-school.com/money/american-credit-system.pdf

Chapters 1 and 10 will give you the knowledge to stop the collection agency.

Next time they call tell them you will send them something right away, then send them the Cease Comm letter on page 201.

Sample

THE CEASE-COMM LETTER
YOUR NAME
YOUR ADDRESS
CITY, STATE, ZIP
VIA CERTIFIED MAIL RRR #Z 683 294 613

Date

XYZ Collection Agency
A Debt Collection Agency
PO Box 4321
Dallas, TX 75221

RE: Account #314075900/ Deadman’s Hospital/ Amt: $343.22

Dear Debt Collection Agency:

This will serve as your legal notice under federal law, the Fair Debt
Collection Practices Act, to cease all communication with me in reference
to the above account.

If you fail to heed this notice, I will file a formal complaint against
you with the Federal Trade Commission, who is responsible for
enforcement, and the state Attorney General’s Office, as well as the
American Collector’s Association, who monitors for noncompliance.

I/We have decided that I/We do not desire to work with a collection
agency under any circumstances. I/We will contact the original
creditor to resolve this matter directly.

You are also notified that if any adverse items are placed against my/our
credit reports as a result of this notice that I/We will be forced to take
appropriate action against you, and the client that you represent.

Give this matter the attention it deserves, as the consequences could
be severe.

Yours truly,

Goldeneagle

Laying the boom down on them. Maybe I was wrong about not getting green screen credit advice.

[Goldeneagle]

Thanks Froggy! I'll get to reading it this evening. Thanks to the rest of y'all also.

[SaltwaterSlick]

You should also tell them that you are a member in good-standing with the GOF club on the Green Screen and if they don't cease and desist, you'll file a complaint with the GOF, and they'll have to bear the consequences! That'll send 'em runnin' for cover!

For sure, I'd tell 'em to go pound sand!

Oh yea, and send 'em your avatar pic!

[Tx_Wader]

Froggy nailed it. So did crawdaddct.

My Mother had some hospital bills from some tests the doctor made her take and she got a stupidly high bill. I looked at it and it showed nothing that would indicate where the $12K went or what it was for.

I contacted the hospital and asked for an itemized detailed billing and I never got it. She never got another bill and took no hit on her credit.

Don't mess with those people at collection agencies. Do what Froggy showed you and you'll be fine.

[Pushbutton2]

You should also tell them that you are a member in good-standing with the GOF club on the Green Screen and if they don't cease and desist, you'll file a complaint with the GOF, and they'll have to bear the consequences! That'll send 'em runnin' for cover!

For sure, I'd tell 'em to go pound sand!

Oh yea, and send 'em your avatar pic!

I wanna be a member of The GOF. How do I apply

[bwssr]

I wanna be a member of The GOF. How do I apply

you gota be OLD

[Goldeneagle]

I wanna be a member of The GOF. How do I apply

You have to get old.

[WCB]

I wanna be a member of The GOF. How do I apply

Are you grumpy and old?? If so, I can swear you in. Or swear at you, whatever works...

[RiverRat1]

Are you grumpy and old?? If so, I can swear you in. Or swear at you, whatever works...

How old does one need to be? I'm about as grumpy as they come and retired, but hanging in there under 50. Do I have to keep waiting?

[Goldeneagle]

How old does one need to be? I'm about as grumpy as they come and retired, but hanging in there under 50. Do I have to keep waiting?

Your getting close, but not yet.

[RiverRat1]

Your getting close, but not yet.

BS - I'm going to go start a rant thread on GOF's since I can't be one!

[Goldeneagle]

BS - I'm going to go start a rant thread on GOF's since I can't be one!

Most of us wish we were still under 50.

A good amount of rants is a good start.

[91cavgt]

I just dealt with a local hospital last month. Our daughter had some issues and got a large hospital bill (and doctor bill, and x-Ray tech bill, and ***xx bill, ect.). We could not afford to pay it off so we paid a small amount to it each month. After 1 year had gone by then they would take a fraction of the remaining balance as a pay off. But, they would not do anything if the account was less than a year old.