Black Friday Early Access Sitewide Sale Today Only See Deals
Sponsored by
Forum Thread

Hospital bill went to debt collector?

Novakingwai 2,861 282 February 16, 2017 at 08:27 PM
Deal
Score
0
3,583 Views

Thread Details

0 Deal Score
3,583 Views
I went to the hospital last year, and after receiving a letter I reconciled with them on an amount and payment plan. I get another letter this year saying that my bill has been forwared to a collection agency AR Resources. I call the hospital, turns out the amount they were dealing with was for their bill only, the doctor had a separate bill and that is the one that was sent to collections. I call the doctor's billing office and they tell me there's nothing they can do since it's already out of their system. I tried calling AR resources if I can settle something or if they can give it back to the doctors so I can try to work something out. They insist they cannot.

What can I do? It's $1,400. What happens if I don't pay them?

30 Comments

1 2 3

Sign up for a Slickdeals account to remove this ad.

This comment has been rated as unhelpful by Slickdeals users
Joined Jan 2006
Master of My Domain
5,659 Posts
1,205 Reputation
#2
You can try to negotiate a lump sum payoff amount. You can agree to some sort of payment plan. You can refuse to pay anything, but it will destroy your credit for many years to come. They could take legal action against you, but that's incredibly unlikely.
Reply Helpful Comment? 0 0
As the username says ...
This comment has been rated as unhelpful by Slickdeals users
Joined Dec 2005
L10: Grand Master
7,603 Posts
1,289 Reputation
#3
They probably paid less than 10% for the debt. Let them know you are broke but might be able to pay $20/month. Or if they can, offer to pay $200 to settle it altogether. If they refuse, just start sending $20/month and keep track of it. Realistically, they can't do much and as long as they are getting something, 99 times out of 100 they will stop harassing you.
Reply Helpful Comment? 0 0
This comment has been rated as unhelpful by Slickdeals users
Joined Jul 2013
Conservative with a gun
2,861 Posts
282 Reputation
Original Poster
#4
Quote from dealgate View Post :
They probably paid less than 10% for the debt. Let them know you are broke but might be able to pay $20/month. Or if they can, offer to pay $200 to settle it altogether. If they refuse, just start sending $20/month and keep track of it. Realistically, they can't do much and as long as they are getting something, 99 times out of 100 they will stop harassing you.
Harassings no problem I learned a while ago to get a fake phone number. Gave the hospital my google voice.
Reply Helpful Comment? 0 0
An armed man is a citizen. An unarmed man is a subject.
The strongest reason for the people to retain the right to keep and bear arms is, as a last resort, to protect themselves against tyranny in government.
A gun in the hand is better than a cop on the phone
This comment has been rated as unhelpful by Slickdeals users
Joined Jul 2005
killroy was here
10,672 Posts
1,300 Reputation
#5
Quote from Novakingwai View Post :
Harassings no problem I learned a while ago to get a fake phone number. Gave the hospital my google voice.
ask to make a deal that they won't report it to the credit agency if you give them a partial payment to satisfy the whole debt. they can't really do that but they will do that because they make money.
Reply Helpful Comment? 0 0
Quote from BiGspendr View Post :
Stick a milk bone us ur ass, and let the dog eat it. Works like a charm! http://i.slickdeals.net/images/smilies/emot-LMAO.gif
This comment has been rated as unhelpful by Slickdeals users
Joined Jul 2013
Conservative with a gun
2,861 Posts
282 Reputation
Original Poster
#6
Quote from dayv View Post :
ask to make a deal that they won't report it to the credit agency if you give them a partial payment to satisfy the whole debt. they can't really do that but they will do that because they make money.
Are you sure? I've been looking this up all day, it appears if you make a deal for less than you owe it does show on your credit report
Reply Helpful Comment? 0 0
This comment has been rated as unhelpful by Slickdeals users
#7
They should make contact with you in a letter. Give you xx days to respond with payment of xx.
after that they will report it to credit agency.

There was something about blocking doctor bills on credit reports. Not sure if they passed any laws about that
Reply Helpful Comment? 0 0
for those that hate spelling mistakes www.walmarts.comCool

bulb save money by checking your insurance every 2 years (and not every 20) Thanks Liberty Mutual for reminding me to shop. The $842 increase this year sums it up. Across the board increase for Ohio....whatever
This comment has been rated as unhelpful by Slickdeals users
Joined Jul 2005
killroy was here
10,672 Posts
1,300 Reputation
#8
Quote from Novakingwai View Post :
Are you sure? I've been looking this up all day, it appears if you make a deal for less than you owe it does show on your credit report
it's called pay for delete or something. they will do it but they won't call it that. since it isn't something the credit bureaus allow. basically you pay a reduced amount to settle the debt and request they delete it from your record. they have the ability.
Reply Helpful Comment? 0 0

Sign up for a Slickdeals account to remove this ad.

This comment has been rated as unhelpful by Slickdeals users
#9
Quote from Novakingwai View Post :
I went to the hospital last year, and after receiving a letter I reconciled with them on an amount and payment plan. I get another letter this year saying that my bill has been forwared to a collection agency AR Resources. I call the hospital, turns out the amount they were dealing with was for their bill only, the doctor had a separate bill and that is the one that was sent to collections. I call the doctor's billing office and they tell me there's nothing they can do since it's already out of their system. I tried calling AR resources if I can settle something or if they can give it back to the doctors so I can try to work something out. They insist they cannot.

What can I do? It's $1,400. What happens if I don't pay them?
Try sending them a pay for delete letter via certified mail. I don't know what happens legally if you don't pay. It will be on your credit report for 7 years or so depending on your state unless they agree to delete it. Here's a sample pay for delete letter.

(Their business address here)

Account #

Date:

To Collection Manager:
I received a debt settlement offer letter from your company and have included a copy of it with this letter for your reference. This letter is to inform you that the validity of this debt is disputed. In order to compromise, I am willing to pay this account in the amount of $X if you agree to delete this account from any and all credit reporting agencies (Equifax, Experian and TransUnion). The purpose of this settlement is merely to have this item removed from my credit files. It is not to be construed as an acknowledgment of liability for this debt in any form.

If you agree to the terms and accept this agreement, certified funds for the settlement amount of $X will be sent in exchange for full deletion of all references regarding this account from my credit files. Since I am sending certified funds for payment, there shall be no waiting period regarding the deletion of this account from the credit reporting agencies.

If you agree to the above terms, please prepare a letter on your company letterhead agreeing to the same terms as the above settlement offer. It will be implied that this letter shall constitute a legally binding contract, enforceable under the laws of my state. Your response must be postmarked no later than 30 days from your receipt of this settlement offer or this offer will be withdrawn and I will request full validation of this alleged debt, as provided for by the Fair Debt Collection Practices Act. Do not contact me by phone regarding this account.

Please address all correspondence regarding this account to:

(Your name and address here)
Reply Helpful Comment? 0 0
Last edited by mindmelter February 18, 2017 at 05:14 PM.
This comment has been rated as unhelpful by Slickdeals users
Joined Jul 2013
Conservative with a gun
2,861 Posts
282 Reputation
Original Poster
#10
Thanks I'll look into it more
Reply Helpful Comment? 0 0
This comment has been rated as unhelpful by Slickdeals users
#11
Do you have any assets in your name? Like a home, or a bank account or a brokerage account? Can't they sue you in small claims and go after all that, and if needed...easily garnish your wages too?
Reply Helpful Comment? 0 0
This comment has been rated as unhelpful by Slickdeals users
#12
From what I understand, you haven't received a letter from them yet?
Reply Helpful Comment? 0 0
This comment has been rated as unhelpful by Slickdeals users
Joined Jan 2006
Master of My Domain
5,659 Posts
1,205 Reputation
#13
Quote from siid View Post :
Do you have any assets in your name? Like a home, or a bank account or a brokerage account? Can't they sue you in small claims and go after all that, and if needed...easily garnish your wages too?
They can take legal action, but it's incredibly unlikely that they would, especially for such a small amount of money. Wage garnishment is very difficult to obtain outside the scope of child support or a debt owed to the government. The potential damage to one's credit is motivation enough to get it sorted imho, unless one is in such a deep financial hole that credit doesn't matter.
Reply Helpful Comment? 0 0
This comment has been rated as unhelpful by Slickdeals users
#14
Quote from ManUpOrShutUp View Post :
They can take legal action, but it's incredibly unlikely that they would, especially for such a small amount of money. Wage garnishment is very difficult to obtain outside the scope of child support or a debt owed to the government. The potential damage to one's credit is motivation enough to get it sorted imho, unless one is in such a deep financial hole that credit doesn't matter.
$1,400 is a small amount of money? It's all relative I guess.

I think most of OP's assets would be vulnerable to liquidation if court orders payment (except maybe retirement account & primary home based on homestead exemption). Wouldn't he have to reveal all his bank accounts, etc during debtor's examination? An attorney can most likely figure out based on public records if OP is a target worth pursuing. In that case, attorney could tack on his fees on top of $1400 too.

Even if they don't actually plan to follow through, what if OP gets a letter from collection agency that they will file a suit if he doesn't pay? If OP has any liquid net worth he'd end up paying more than $1,400 if it goes to court.
Reply Helpful Comment? 0 0
Last edited by siid February 18, 2017 at 05:36 PM.
This comment has been rated as unhelpful by Slickdeals users
Joined Jan 2006
Master of My Domain
5,659 Posts
1,205 Reputation
#15
Quote from siid View Post :
$1,400 is a small amount of money? It's all relative I guess.

I think most of OP's assets would be vulnerable to liquidation if court orders payment (except maybe retirement account & primary home based on homestead exemption). Wouldn't he have to reveal all his bank accounts, etc during debtor's examination? An attorney can most likely figure out based on public records if OP is a target worth pursuing. In that case, attorney could tack on his fees on top of $1400 too.

Even if they don't actually plan to follow through, what if OP gets a letter from collection agency that they will file a suit if he doesn't pay? If OP has any liquid net worth he'd end up paying more than $1,400 if it goes to court.
All of this could happen, but the reality is that it very rarely ever does. Collection agencies that buy these debts usually pay 4-7 cents on the dollar for them, which means this agency probably paid less than $100 for the OP's debt. It's not worth paying lawyers, court fees, etc. for that. Heck it wouldn't be worth it if they paid 50 cents on the dollar. It's cheaper and easier to destroy someone's credit as motivation to pay.
Reply Helpful Comment? 0 0
Page 1 of 3
1 2 3
Join the Conversation
Add a Comment
 
Copyright 1999 - 2017. Slickdeals, LLC. All Rights Reserved. Copyright / Infringement Policy  •  Privacy Policy  •  Terms of Service  •  Acceptable Use Policy (Rules)  •  Interest-Based Ads
Link Copied to Clipboard