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Write your doctor and try to get the terms in a letter (that would remediate the proof issue that you raised). If the doctor is honest and this is truly your agreement with him/her, that should get the collection agency to stop calling, unless they are calling you for a portion of the unpaid, agreed-upon balance.

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Q: What should you do if you received a bill from a collection agency but you and your doctor had negotiated a different price but you don't have it in writing?
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Does a collection agency have to provide information about the original creditor in a timely manner?

Yes. They have 30 days from the first time they contact you to get you something in writing. See the Fair Debt Collection Practices Act. If they do not, they are in violation of this Act and can get in a lot of trouble.


Can i deal with collection agency to pay just the original balance?

yes. or you can settle for less but remember to work out a pay for delete. be sure to get the arrangement in writing.


Can a debt collection agency that bought the original debt charge you monthly interest?

YES. They can charge you the maximum interest as indicated in the bank agreement you signed or they sent as an update to you in the mail PRIOR to the collection process beginning. Usually this is why banks MAX the interest once you missed two or three payment in a row. They see the writing on the wall.


If you are trying to clear up your debt do you pay the collection agency or the original business you owe to and have them try to buy back your debt?

Your main consideration is that your credit report should be at its most favorable. Therefore, whomever you contact, make sure you get in writing that you will pay the debt and, in exchange, you expect the debt to be removed from your report, or at least that the debt should be converted to "good." Usually, once the collection agency is involved, the original company will not deal with you. This is because they now have a contract with the collection agency, who will get a portion of the collected debt. Capish?


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