Validated Debt

[bravesfan]

I have an old medical debt. I submitted for validation and proper validation was submitted to me.

 

My question now is this...since this is valid...what should my approach now be?

 

Since the debt is almost $1k and I don't have that laying around...is there a way that I can pay them and have them remove it or do I just pay it and hope I can dispute it off later? I think it would be hard to negotiate a PFD when I am going to have to send in a few payments over the next few months.

 

I really have only had minimal success in PFD's. The debt is from 2005. I could just save the money up and in a few months contact them with a PFD when I have all the money...but not sure what they might do in the meantime since we are in the middle of the SOL.

 

Any one have experience in this?

[CargoJon]

Moving to "medical debt" forum where you might get some better answers...

 

PS - how old is the debt?

[Why Chat]

I have an old medical debt. I submitted for validation and proper validation was submitted to me.

 

My question now is this...since this is valid...what should my approach now be?

 

Since the debt is almost $1k and I don't have that laying around...is there a way that I can pay them and have them remove it or do I just pay it and hope I can dispute it off later? I think it would be hard to negotiate a PFD when I am going to have to send in a few payments over the next few months.

 

I really have only had minimal success in PFD's. The debt is from 2005. I could just save the money up and in a few months contact them with a PFD when I have all the money...but not sure what they might do in the meantime since we are in the middle of the SOL.

 

Any one have experience in this?

Well--- there is "validation" and there is "valid".

 

Is this an account that you were actually billed for from the health care provider??

Is it a co-pay or left over amount from a covered health care service??

Is it from a hospital??

 

Even though you received "validation" from the reporting CA all that means is that they have an account with your name on it, the $$ may have been left over discounted balances, or they may be legitimate $$ that you actually owe to the health care provider.

 

PFD's don't work, and in the case of medical accounts they are unnecessary as there is a way to get the accounts OFF your reports completely, not just have them show as a "paid" collection.

 

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[bravesfan]

Moving to "medical debt" forum where you might get some better answers...

 

PS - how old is the debt?

4 years old

[bravesfan]

Is this an account that you were actually billed for from the health care provider?? Yes

 

Is it a co-pay or left over amount from a covered health care service?? This is the remaining balance after insurance.

 

Is it from a hospital?? Yes

 

Do I need to Opt out again before sending the Pre-HIPAA?

Edited June 22, 2009 by bravesfan

[bonbonXO]

Yes,

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