It is up to the debt collector. Some will, some won't.
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 the bill collector refused the payment, you can inform them that you made the payment to the original company and request that they update your account accordingly. Keep documentation of the payment made to the original company in case any disputes arise. It's important to communicate clearly with both parties to ensure your payment is properly accounted for and reflected in your records.
Yes, a lawyer may choose to turn over an unpaid bill to a collection agency as a means to recover the debt. However, they must comply with applicable laws and regulations governing debt collection practices.
In general, a doctor cannot refuse treatment to a patient based solely on the status of their bill going to a collection agency. However, they may request payment or work out a payment plan prior to providing non-emergency treatment. Emergency treatment should not be denied due to financial reasons.
Yes, you have the legal right to request past statements and payment history from a collection agency in California under the Fair Debt Collection Practices Act. If they refuse, you can file a complaint with the Consumer Financial Protection Bureau or seek legal advice on how to enforce your rights.
Yes, a collection agency can still legally pursue action to collect on a debt that is more than four years old, depending on the statute of limitations in your state. It's important to know your rights and seek legal advice if you receive any legal notices regarding the debt.
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 they can not do so for a medical bill.
Sure would like to know myself ... just got a call from a collection agency telling me that i owe 95.00 from June of 1999... no info about patient...only a date. not even a doctors name. They are rude and relentless ... what do i do ???? help me !! Jane
No, if the OC accepted your payment then it's case closed
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.
Only if it goes to a collection agency.
seven years
It stays 7 years from the date of the late payment that caused it to be reported to the collection agency, even if you pay it off. In accordance with HIPAA, your medical information may be reported for purposes of collecting on an UNPAID medical bill. Once the medical bill is paid, there is no longer a permissible purpose for divulging your medical information. Therefore, a paid medical bill should automatically be removed form your credit file in accordance with HIPAA.
Usually the collection agency won't take it off until the bill is paid in full.
A collection agency/creditor does not have to accept any payment amount rendered unless the terms were included in a written contract. The refusal of the agency to accept the payment does not invalidate the debt the full amount is still owed by the borrower/debtor. Call them and get more information as to why it was not accepted. Keep asking until you fully understand what the issue is. Be sure you get a paid receipt for your files once you get it resolved.
Yes, the debt is a legal "thing" and can be sold on to other organizations for collection.
Yes, they will have you taken to a collection agency and that in itself is a bad mark on your credit.