Assuming the question refers to removing the entry from a credit report that is not possible unless the debt is paid. Negative information such as defaulted debt remains on an individual's credit report for seven (7) years from the time of default reportage.
If the bill was late enough to be sent to a collection agency, the collection of that bill has been turned over to that collection agency as well.
Once a delinquent account has been turned over to a collection agency, the physician's office should stop billing.
Yes.
Yes.
Most hospitals farm out collection accounts after 90 days of nonpayment to outside collection agencies.
NO. Once you enter into an agreement with a collection agency no one else can collect against that debt. If you have other debts outstanding not covered in the agreement then another agency may be authorized to try and collect those debts. Collections agencies do not sue people. They can ask the courts to award a judgment or wage garnishment in order to help collect bad debt.
In the majority of states a medical bill can be turned over to a collection agency at any time. Doesn't matter if you are paying on the bill or have an agreement with the doctors office. In some cases these collection agencies are NOT outside companies but an account receivable agency for the group of doctor's or clinics. It is far more efficient to have a third party handle payments and invoicing. Kind of like having a 3rd party do your companies payroll. You should ask the 'collection' agency if they are part of the group you owe the bill to. If so, it is far easier to negotiate with them. If not, make sure the agency has correct information on file. You may actually be in the middle of a dispute between your insurance company and the billing office. If so, contact your doctors office to get this resolved asap and make sure they take the bill back from the collector. Get it ALL in writing.
Yes. When creditors charge off accounts they send them (or sell) to a collection agency. The collector can request the debtor's credit report show that the account has been turned over for collection procedures.
Any unpaid medical bill will remain your responsibility until it is paid in full. If you don't have insurance to pay the bill for you, then you will need to pay the bill. You can be turned over to a collection agency if the bill is not paid. Either the provider or the collection agency will work out a payment plan with you. The easiest way is to call them and let them know how much $$ per month you can afford to send until the bill is paid off.
An easy way to find out what collection agencies you owe money to is by pulling your credit report. Credit reports will list balances with all creditors as well as if any balances were turned over to collection agencies.
Yes! If your student loans are with a collection agency they are in default. When student loans are in default the dept. of ed gives the collection agencies "CARTE BLANCHE" to collect the money by any means necessary. Wage garnishnent is only one.
It will most likely be turned over to a collection agency. Then it will be reported to the credit bureaus which will make it difficult for you to get loans in the future.