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/biz/ - Business & Finance

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15976319 No.15976319 [Reply] [Original]

just got a letter from a collections agency for $20.26 for a medical service (I ignored the doctor's bills for like 6 months)

what happens now? Is this already on my credit report? Should i even bother paying them?

>> No.15976346

>>15976319

Pay and move on.

>> No.15976347

>>15976319
Dont pay, your going to have to move around for 7 years so they cant bring you to court. Just tell them your homeless be fine after that.

>> No.15976361

ask them to verify the debt. they won't be able to.

>>15976346
shut up kike

>> No.15976424

>>15976347
they're not going to take him to court over a $20 debt, he can probably just ignore it

>> No.15976459

https://features.propublica.org/medical-debt/when-medical-debt-collectors-decide-who-gets-arrested-coffeyville-kansas/

Depends. Are you feeling lucky, punk?

Well? Are ya?

>> No.15976537

>>15976459
>A radiologist had sued her over a $230 bill, and she’d missed one hearing too many. Another woman said she watched, a decade ago, as a deputy came to the door for her diabetic aunt and took her to jail in her final years of life. Now here she was, dealing with her own debt, trying to head off the same fate.

that is fucked m8

>> No.15976600
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15976600

>>15976319
You have several options. It MAY be on your credit report, but judging tthat youre ignoring a $20 bill, you're probably poor and your credit report means very little...but life circumstances can change. Sign up to 'creditkarma' and check out their services; its free and I use them and they'll help you thru the appeals process if its on your report.
Options:
1. Ignore it. Its not much but you'd be surprised that future creditors will look HIGHLY NEGATIVE on this. Why? Because if you're too fucking lazy to pay a $20 bill, they ain't gonna give you any leeway later in life.
2. Contact the creditor and ask to accept $10 as payment in full...tell them you're on the verge of homelessness and its all you got. They'll probably accept it and when you pay it, make sure you get a letter from them as 'paid in full' to show the credit agencies.
3. Pay it and get a letter of paid in full, etc.

Little things like these get magnified for future car loans and so forth, so do it TOMORROW

>> No.15976714
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15976714

>>15976319
>capitalist healthcare

>> No.15976739

>>15976319
tell them the most you can afford is 2% every month.

>> No.15976885

Been managing one of the best collection agencies in my city for a year or so. Can tell you in complete honesty: if it's on your credit report, dispute it thru credit karma. Odds are whichever Haggard ass agency has to stoop as low as trying to collect on medical debt doesn't have the media to validate your debt. Dispute that shit, and if it doesn't work then Google "pay for delete letter" and mail one out to the creditor. If they respond with an offer, make sure any correspondence happens via USPS mail with the company's header clearly present.
Disputes and a PDF will both get it removed thus improving your credit. Paying it off does not help your credit. It stays on your record as a collections account for 5-7 years depending on the state.