Debt collector question.

[Charles]

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

plz do...then I can gripe about how stupid rants are

Thank you for your cooperation

[bwssr]

plz do...then I can gripe about how stupid rants are

Thank you for your cooperation

ranting about rants....

[justintyme8303]

Make sure you get it in writing the debt will be settled with this one time payment and removed from collections.

Be careful doing this when they "settle" they will report the difference as a gift and you get taxed on it by IRS.

[Charles]

ranting about rants....

yep..it's like a dog chasing it's tail.

[Bayouboy]

Hopefully your insurance has paid all they should pay. They have been known to miss a few things.

[texansfan]

Be very careful, they do stuff they are not supposed to a lot. Send them what you can every month and tell them to quit calling you.

Senior abuse is a law now.

I understand that. But it is still $2800 that I ain't got.

Never, ever ,, I mean NEVER give them access to your checking accounts.


They are the scum of the earth, if their mouth is moving, they are lying. They will rob you till you are blind.



Offer them .40 cents on the dollar, then request a letter stating the account is cleared... THEN send them a money order or cashier check. Save that letter for the rest of your life.

The easiest and cheapest way is to settle. Honestly the longer you can hold out, the cheaper it will be.

Just send them $10 a month. Mail to the hospital or doctor. Don't have any contact with the bill collection folks. Pay what you can until it's all paid off.

In that case make them prove you actually owe them money they "say" you owe. Just sending you a bill saying you owe X, isn't proof enough you actually owe.

Bottom line is, if you don't have the money to pay you don't have the money. Its not like you or I can wave a magic wand and poof have the money.

Keep telling the scum bag, bottom feeding collectors you don't have the money and to pound sand (same thing as "get off my lawn")

I'm tired of quoting
This is exactly the reason why we need Obama care
Some people in our society can't afford to pay a $2800 medical bill so they stiff the medical provider until they feel like paying them
Often times, as evidenced by this thread, they only want to pay 40% off what the doctor charges for his services.

Bottom line is, if you can't afford to pay or don't want to pay the rate that doctor is charging, don't get the service or find another doctor.

You may think that Bill is high but how much time has the doctor's office staff had to spend trying to run the guy down and collect their money?
All the while salaries need to be paid and office rents need to be paid.

Yah the guy had insurance, but he knew insurance only covered 80%.
He was responsible for the other 20% and he knowingly dipped out on that Bill.

Like you get a 50% of coupon at a restaurant,
Know you don't have any money
Sit down & eat
Then present the coupon for half off and say I'll pay you in monthly installments.

I bet none of you will side with the doctor or hospital.
But it's clear as day this guy didn't have the money to pay and still accepted medical services that were rendered.

See, this is one of those "hypothetical" y'all talk about.
Y'all don't want to admit it's not just illegal aliens that are running out on $2800 medical bills
It's the guy you share a campfire with too.

[super_dave]

I'm tired of quoting

This is exactly the reason why we need Obama care

Some people in our society can't afford to pay a $2800 medical bill so they stiff the medical provider until they feel like paying them

Often times, as evidenced by this thread, they only want to pay 40% off what the doctor charges for his services.



Bottom line is, if you can't afford to pay or don't want to pay the rate that doctor is charging, don't get the service or find another doctor.



You may think that Bill is high but how much time has the doctor's office staff had to spend trying to run the guy down and collect their money?

All the while salaries need to be paid and office rents need to be paid.



Yah the guy had insurance, but he knew insurance only covered 80%.

He was responsible for the other 20% and he knowingly dipped out on that Bill.



Like you get a 50% of coupon at a restaurant,

Know you don't have any money

Sit down & eat

Then present the coupon for half off and say I'll pay you in monthly installments.



I bet none of you will side with the doctor or hospital.

But it's clear as day this guy didn't have the money to pay and still accepted medical services that were rendered.



See, this is one of those "hypothetical" y'all talk about.

Y'all don't want to admit it's not just illegal aliens that are running out on $2800 medical bills

It's the guy you share a campfire with too.

No that's wrong the real problem here is that paid insurance premiums for no telling how long and even when he uses the service it doesn't cost that much he still has to pay more out-of-pocket that's the problem

[RiverRat1]

Or maybe, just maybe, people can't afford to pay BECAUSE of Obamacare.

I know when we had our daughter the 15 years ago the total (including all pre-natal visits) was well under $5k. I thought that was cheap.

[texansfan]

No that's wrong the real problem here is that paid insurance premiums for no telling how long and even when he uses the service it doesn't cost that much he still has to pay more out-of-pocket that's the problem

That's how insurance works.
Let's say he had a cancerous kidney removed and that procedure costed over $500k but he has only paid $60k into insurance ($500 per month for ten years)
You all obviously only want insurance to work in your favor.
And walk out without paying deductibles.

[super_dave]

That's how insurance works.

Let's say he had a cancerous kidney removed and that procedure costed over $500k but he has only paid $60k into insurance ($500 per month for ten years)

You all obviously only want insurance to work in your favor.

And walk out without paying deductibles.

I want it to be fair. Not free. His bill was 10k. I bet he's paid in way more than that. But what he has paid has gone to the pockets of insurance companies executives and or to hedge against someone who has not will ever pay in. That sir is not fair

[Charles]

I'm tired of quoting
This is exactly the reason why we need Obama care
Some people in our society can't afford to pay a $2800 medical bill so they stiff the medical provider until they feel like paying them
Often times, as evidenced by this thread, they only want to pay 40% off what the doctor charges for his services.

Bottom line is, if you can't afford to pay or don't want to pay the rate that doctor is charging, don't get the service or find another doctor.

You may think that Bill is high but how much time has the doctor's office staff had to spend trying to run the guy down and collect their money?
All the while salaries need to be paid and office rents need to be paid.

Yah the guy had insurance, but he knew insurance only covered 80%.
He was responsible for the other 20% and he knowingly dipped out on that Bill.

Like you get a 50% of coupon at a restaurant,
Know you don't have any money
Sit down & eat
Then present the coupon for half off and say I'll pay you in monthly installments.

I bet none of you will side with the doctor or hospital.
But it's clear as day this guy didn't have the money to pay and still accepted medical services that were rendered.

See, this is one of those "hypothetical" y'all talk about.
Y'all don't want to admit it's not just illegal aliens that are running out on $2800 medical bills
It's the guy you share a campfire with too.

Or if the medical field as a whole didn't over charge and over bill the working class could afford to pay in a timely manner.

Whenever I've had any medical bills I've asked for itemized billing. Each and every time they are trying to charge me for services never received and the mark ups are outrageous.

It's a broken system that I'm afraid will never be fixed.

[texansfan]

Or maybe, just maybe, people can't afford to pay BECAUSE of Obamacare.

I know when we had our daughter the 15 years ago the total (including all pre-natal visits) was well under $5k. I thought that was cheap.

Maybe hospitals didn't have as expensive costs 15 years ago as they do now.
I had a kid 1.5 years ago
And another 3 years ago
At Memorial Hermann
1st kid was like 11k (paid maybe 2k out of pocket)
2nd kid was like 7k (paid about 1K our of pocket)
Don't blame Obamacare on your horrible insurance program.
A buddy works for the feds here In Houston and he only paid $300 for each of his kids to be delivered from the initial prenatal appointment all the way through delivery it was only one $300 fee.


But you can say what you want about the insurance company, this guy is stuffing the doctor and hospital directly, not the insurance company.
The insurance company said "we will give you 80% of the bill and you need to collect the remainder 20% from that TBHr" only thing is,tbhr don't have the 20% so now the doctor's officeis in the red.
So they charge guys like me more that actually can afford to pay the 20%.

Isn't there a Wal-Mart thread on here taking about how Wal-Mart loses $1M in unpaid for itemsso they markup the other items that do get paid for to offset the cost?
I imagine that's why doctor's offices do.

Don't blame Obamacare because he doesn't have $2800
Blame his employer.

[Buckshot-73]

Texasfan, aren't you the one bragging about making 6 figures, your job was to maximize profits for big pharmaceutical companies, basically screwing the consumer,,,,


And the raising hel: about having to pay 100$ for eye medicine so your daughter didn't go blind??


Seems kinda hypocritical to me..

[texansfan]

I want it to be fair. Not free. His bill was 10k. I bet he's paid in way more than that. But what he has paid has gone to the pockets of insurance companies executives and or to hedge against someone who has not will ever pay in. That sir is not fair

Without an EOB you don't know what he was billed for our if it was "fair". And fair is the agreed upon price. This guy dos bout HAVE to go to this doctor for these services. I believe we CHOOSE our medical provider from a looooong list of them, right? Why not find who has the best rates and go with them?
Kinda like calling Geico and USAA and going with the cheapest price.


My wife needed an ultrasound.
Her ob/gyn wanted $700 to do it in house.
I said no way.
Not for a fifteen minute thing
So I called around and the second place I called could do it for $150
We went there instead
Saved $550

I didn't have to bargain down amt medical provider.
I paid them their advertised rate and all parties were happy.

[texansfan]

Texasfan, aren't you the one bragging about making 6 figures, your job was to maximize profits for big pharmaceutical companies, basically screwing the consumer,,,,


And the raising hel: about having to pay 100$ for eye medicine so your daughter didn't go blind??


Seems kinda hypocritical to me..

LoL my daughter to go blind?
It was for some $100 eye drops nobody had in stock
So my daughter stayed home from school the next day (it was a Friday) then it cleared itself up Saturday and she went back to school Monday
My daughter wouldn't let us put anything in her eyes anyway

Funny thing is she had those same pink eye symptoms couple weeks back.
She stayed at home with me one day and I had to wipe her eyes a few times but the next day She was ready to roll like a champ!
No drops.

And yes if I'm generating tens of millions of dollars for pharmaceutical companies or insurance companies then I expect to be compensated relatively.
I'm not doing this for ten dollars an hour!