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Can collection agencies still report on a medical bill that is four years old and has never been paid?
Bushmstr02
Yes, but it can only stay on your credit report for a total of 7 years. The easy part for you, if you don't plan on paying or settling the claim ever, is to tell the credit collection agency to not call you anymore on this matter. Legally, once you tell them on the phone to quit calling you about this, they cannot call you anymore. Hpwever, they can still send you a bill in the mail every month, and continue to place it on your credit report each month. In the end, it is gone after 7 years. Execption: If after the above, and even if its been 6 years or more, and you send them even a dollar in sympathy payment, or whatever, Start the 7 years over again. Remember, some people will lie, cheat, steal, or generally harass the world, if you don't understand your rights in any given situation.
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∙ 16y ago
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How do you find out from a collection agency who sent you to them for collection when you never was notified that you were in collection you discovered it on your credit report?
File a dispute with the credit reporting agency.
Can a debt collector report to a CRA a debt which was never reported by the original creditor of the debt?
The answer to your question is Yes, they can report a debt that was never origionally reported to the CRAs. This is most common with medical expenses. You may have an outstanding debt to a doctor's office for example, and though Doctors do not typically report debts to a CRA, if they sell your outstanding debt to a collection agency, they absolutly have the right to report it to your credit report. So, in a word, yes, it is legal, and is actually quite common. Hope this helps! In fact it is against the Fair Debt Collection Practices Act for a medical debt to be reported to the credit agency, but it doesn't apply if they sell the debt to a third party collection agency. Nice way for them to get around that.
Is medical report needed before flying within US?
I have never had to provide a medical report when flying within the USA - so I would think not.
Can you just not pay a medical bill?
You could, provided you never need a doctor again. In the US, sadly, it happens all the time. In the event you do not pay a medical bill, the provider will attempt to collect it. If unable to, the provider will refer it to a collection agency. If you live in any of the few states that do not permit garnishment of wages or assetts, about as far as it will go is court, judgment, and your credit report. If, however, you live in the majority of states that do permit garnishment, be assured, the collection agencies know their business very well; the debt will be recovered either voluntarily or involuntarily.
Can I get a medical collection removed from my credit report if I never got a bill because they did not put my apartment number on my bill and the bill has been paid after being sent to collection?
Yes you can have it removed from your credit report. I had a similar issue with a medical bill. It was never delivered to me by the hospital or collection agency. I called the agency and explained this. They said I could pay it off and they would have it deleted from my record. They also said they will contact the credit bureaus to clear it off their records too. This happened earlier this month. I went to Equifax and disputed the collection on there end afterwards to make sure it gets taken care of. I'm just waiting to get confirmation now.
Can a collection agency report a debt without contacting you first and claim to not have your current address on file?
I have no answer, but want to know how to get the collection agency to remove a false report from my credit rating. They called once and never sent anything in writing, however have posted to my credit report.
Can a debt collector leave numerous phone messages but never send the initial collection letter in the mail?
Absolutely. However, if you want the calls to stop, all you have to do is send a letter to the collection agency requesting only written correspondence. This has to be done in writing and the agencies have to abide by the request. If they refuse to give you an address to which you can send the letter, you can report them under the Fair Debt Collection act. They can, but if you tell them not to call you anymore they have to stop calling you.
I have paid my default in full can i have it remove from my credit file?
No, it will show on your credit report as a paid collection/judgement and will fall off of your credit report in 7 years. After you pay the debt keep all receipts and check your credit report in about 60 days to make sure they reported it as paid. Many collection companies never report it paid.
If your ex-husband falsely sued you and never served you and got a judgment and this is now on your credit report can you be patient for 7 years and ask agencies to take it off your report?
Yes, but that does not make the judgment uncollectable.
Do collection agencies have the right to collect payments since you never signed or agreed to a contract with that company?
Yes, they are contracted to collect on behalf of the original creditor and it's contracts with you.
How can collection agencies put entries on your credit report if you never 'owed' them or got credit from them in the first place?
Collection agency buy or get assigned accounts from different kinds of creditors who you may owe without realizing it. Examples of these kinds of debts include bad checks, debts owed from medical services, defaulted leases and others. None of these debts are typical of the kind you undertake willingly (like a credit card account). But they still can be legitimately owed by you. You would need to track down the source of the collection account, find out whether or not the collection agency has your identifying information. If not, then you would need to investigate to determine the nature of information being reported against you. It might be that you are the victim of identity theft.
Do collection agencies have the right to file collection on a credit report since you never signed or agreed to a contract with that company?
Yes, if the contract a consumer signed with the Original Creditor (OC) allows for transfer of their rights to a Collection Agency (CA) when a defaulted account is sold or assigned. It is not customary for CA's to have contractual agreements between themselves and the consumer. Typically they collect on debts under the terms of the contractual agreement between the OC and consumer. They also rely upon their contract with the OC, which grants them certain rights.
