Yes, and the practice is very common.
Yes, you can negotiate a payment plan with a debt collection agency for a medical bill in NY. Contact the agency to discuss your financial situation and propose a payment arrangement that works for you. Make sure to get the agreement in writing and stick to the payment plan to avoid any further collection actions.
If a bill is six years old and you are just now getting it, it is likely that it has already gone to a collection agency. It has likely been reported on your credit, and you would probably just suffer in paying it.
this is a question for your lawyer , what is the bill that has not been paid for instance, does it have anything to do with the welfare of children involved, you could let your self open to being sued for not paying the full alimony , etc.
If the collection agency did not accept your payment, the debt should be discharged from their control. You might need to contact an attorney to make sure these debts are removed from your credit report. If you are making payments to the company that sent you to collections, they will need to remove you from the collections agency.
Having an unpaid medical bill does not typically affect your ability to re-enter the US. However, if the bill is significant and leads to legal action or a judgment against you, it could potentially impact your immigration status or ability to re-enter. It's advisable to address any outstanding debts before traveling internationally.
If the bill is unpaid, a collection agency can attempt to collect forever if they choose to. Nothing illegal about it.
get a lawyer? or pay the bill.
Yes, the debt is a legal "thing" and can be sold on to other organizations for collection.
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.
No. If the bill was incurred when you were a minor, then the bill is your parent's responsibility. It would be illegal to put it on your credit report.
Yes, there is. There is also US federal protection against unfair credit collection practices, including the requirement that the collection agency provide proof that the claim is valid if you ask them to.
Your unpaid medical bills will not be reported to credit bureaus until sent to a collection agency. As long as they remain with the provider, the unpaid balance is just that, an unpaid balance. However, some interest rates may apply, depending on the state that you are in, so that balance could change.
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 unpaid medical bill is like any other debt. It can be reported to a credit agency like any other debt.
If the bill is turned over to a collection agency, it can remain on your credit for seven years from the date of last activity. ----------------------------------------- That is correct - 7 years. It can come off if you hire a credit attorney, though.
Yes.
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.