KY SOL for medical bills

[readytofixit5]

I am really confused about the different SOL's that a collector can sue you for. I am in KY, what is the SOL on medical bills? I am getting ready to send out letters to all three CRA's with Whychat's HIPPA for all the medical accts. on my credit(medical makes up most of the negs on there). But I am afraid I will be falling within the SOL for getting sued on a few of them. Most are pretty old but a few are within the last few years. Can someone clear this up, what the SOL for being sued on medical bills is in KY?

[Clydesmom]

YIKES! I just googled it and Kentucky has one of THE longest SOL's for suit on debts of any state I have seen so far. If you signed an agreement to pay the provider (financial release) which includes the release to bill your insurance, they have FIFTEEN yes 15 years from the date you last paid to sue you for the amount owed. Even those old debts may not be beyond the SOL in KY yet!

[readytofixit5]

So my plan to attack all the medical debt on my credit is pretty much a no go now? I have to wait for it to meet 15 year SOL before sending a HIPPA?!?! I guess my plans to fix my credit are shot now. Ugh!! Looks like I may be PFDing these, I cant' wait that long, we are hoping to buy a house in the coming year or two.

[surbsc]

In SC they get first shot at any tax refund, can they do that in KY?

[readytofixit5]

Hmmm...I don't know if they are allowed to but it's never happened to us. They are a lot of small bills. The highest one is $300 and most are $100 or less. So maybe PFD is really the best way to go right now. I just can't wait the full time for them to age off my credit and even longer for them to possibly sue me.

[Clydesmom]

In SC they get first shot at any tax refund, can they do that in KY?

 

If the debt is to a state facility or clinic: yes. Private providers: no.

 

 

 

Hmmm...I don't know if they are allowed to but it's never happened to us. They are a lot of small bills. The highest one is $300 and most are $100 or less. So maybe PFD is really the best way to go right now. I just can't wait the full time for them to age off my credit and even longer for them to possibly sue me.

 

I had several small bills on my CR as well. None medical but I also knew I owed them. I did PFD and they all accepted and kept their word. The older the debt the more likely they are to accept. I would start with the older ones and work my way up to the newer ones so that they age a little more unless they are with the same provider. If you have several bills with one provider you can negotiate a lump sum settlement for all the debts at once just make sure you list them.

 

One thing I would suggest is if you do want to PFD DO NOT contact the collection agency, go through the provider of the services. I NEVER pay the CA.

[Why Chat]

Again "Clydesmom" is full of misinformation.

 

The SOL for KY is 5 years, not 15

 

http://www.whychat.5u.com/States/state-ky.html

 

Follow all these steps:

 

http://www.whychat.5u.com/GUIDEBOOK.html

http://www.whychat.5u.com/GUIDE%20HIPAA%20PROGRAM.html

 

PFD will not work with health care providers, no matter WHAT "Clydesmom" says. If the account has been turned over to a CA the HC provider no longer has control over the reporting. If it is an older account it is more than likely that the reporting CA has NO relationship to the HC provider but has obtained the data from a data miner.

 

The only time your State refund can be taken is if you were in a Government hospital or have an ambulance service bill where the service was run by a Governmental agency.

( The only other exception is if you were treated at an Indian Reservation facility)

 

As a suggestion for you and everyone else reading this post -- Many people post in the forums, some are looking for help, some are able to offer assistance and have valuable insight and information to provide. DO NOT take advice from anyone that seems to contradict other LONG TIME members in this forum or any others. If they joined Creditboards a Month ago, as did "Clydesmom" to get help with their own credit problems, they are not to be trusted to be giving good advice. Click on their name to see how long a member has been on Creditboards before you take advice from them.

Edited April 23, 2013 by Why Chat

[Clydesmom]

Again "Clydesmom" is full of misinformation.

 

The SOL for KY is 5 years, not 15

 

The SOL for WRITTEN debts in KY is 15 years and there are cases where medical debts were ruled to be written contractual agreements because the patient signs a contractual financial guarantee agreement between themselves and the provider. To assume that all providers would sue only under an open account SOL of 5 years is dangerous. Also not having access to exactly what the patient guarantor signed means that it is not possible for WhyChat to state that it isn't a contract and therefore an open agreement.

 

WhyChat specializes in insulting anyone who challenges their methods which is NOT 100% fool proof and not without risk of suit and renewing collection efforts. Continuing down that path should be done with caution. Laws vary from state to state and to apply one method of debt resolution to every state based upon something that worked for one person in their state can backfire on you. Be very careful.

 

A consultation with a local consumer attorney familiar with the laws of your state and the courts in your area is advisable prior to undertaking any debt settlement procedures.

 

Keep in mind that because someone doesn't spend countless hours a day posting on the boards to have a posting number in the thousands doesn't mean they don't know what they are referring to either. Having thousands of posts also doesn't make you right or the world wide expert either. It means you use your computer frequently one one site and nothing more.

Edited April 24, 2013 by Clydesmom

[Repairerer]

Nothing is ever 100% foolproof.

 

Why Chat has designed a method which vast numbers of us here have found to be highly effective in practice.

 

From what I have seen, these small balance medical collections are generally made of air to begin with. If he can afford to PFD them, he can afford the risk of whatever lawsuit is supposedly looming so frighteningly.

[stroked89coupe]

 

Again "Clydesmom" is full of misinformation.

 

The SOL for KY is 5 years, not 15

 

The SOL for WRITTEN debts in KY is 15 years and there are cases where medical debts were ruled to be written contractual agreements because the patient signs a contractual financial guarantee agreement between themselves and the provider. To assume that all providers would sue only under an open account SOL of 5 years is dangerous. Also not having access to exactly what the patient guarantor signed means that it is not possible for WhyChat to state that it isn't a contract and therefore an open agreement.

 

WhyChat specializes in insulting anyone who challenges their methods which is NOT 100% fool proof and not without risk of suit and renewing collection efforts. Continuing down that path should be done with caution. Laws vary from state to state and to apply one method of debt resolution to every state based upon something that worked for one person in their state can backfire on you. Be very careful.

 

A consultation with a local consumer attorney familiar with the laws of your state and the courts in your area is advisable prior to undertaking any debt settlement procedures.

 

Keep in mind that because someone doesn't spend countless hours a day posting on the boards to have a posting number in the thousands doesn't mean they don't know what they are referring to either. Having thousands of posts also doesn't make you right or the world wide expert either. It means you use your computer frequently one one site and nothing more.

 

 

Stop. Just stop.

[readytofixit5]

Nothing is ever 100% foolproof.

 

Why Chat has designed a method which vast numbers of us here have found to be highly effective in practice.

 

From what I have seen, these small balance medical collections are generally made of air to begin with. If he can afford to PFD them, he can afford the risk of whatever lawsuit is supposedly looming so frighteningly.

 

she And you make a good point on that last part.

 

 

Thanks for all the advice!!!