In 2004 I was living in (resident of) Texas. For new years eve I decied to visit a friend in Maryland. Welllll right on new years eve I got taken to the ER and the hospital had to perform an emergency medical procedure. Long story short I went back to Texas and defaulteld on the bills.. Hospital had my texas address on file and they turned that over to the CA and I was continuously getting letters.

This past month I relocated to Maryland.

I am NOW in a position to pay of the ENTIRE debt in FULL.

I went to Why Chats SOL link and for Texas it sates 4 years and for Maryland it states 3. If i go with Maryland, I am in the clear this January.

Which SOL applies in my case???

All help is appreciated guys

If I've read correctly, there is no SOL on the hospital being able to come back and sue you if they want. Someone please correct me if I'm wrong here.

Strange... Ive read the there is no SOL on only the following:

* Federal Student Loans;
* Most Types of Fines;
* Past Due Child Support (state dependent); and
* *Taxes (In many cases, income taxes have a 10-year SoL but this can be suspended as well as have more time added by filing the proper forms. Check with a local tax resolution expert about your particular situation.

http://creditboards.com/forums/index.php?s...c=160456&hl
post #7

Keep reading

Neither SOL applies.
For all intents and purposes a HOSPITAL bill has NO "SOL".
It is treated the same as a "Governmental" debt as the TAXPAYERS have to make up the shortage to hospitals on the "no-pays" who are not covered by Medicaid or other indigent health care programs.

Opt out, delete old addresses.
Send the CRA's the medical dispute letter
http://whychat.5u.com/hipaadisp.html

IF the account is verified, PAY the hospital directly with the HIPAA letter insert "a".
http://whychat.5u.com/hipltr.html

Why Chat,
First of all I have been reading your posts all day long and I MUST say THANK YOU for sharing your valuable time and information with us

I fully intend on following your HIPPA process to the bone but have one question.
If I know for a fact that the debt is valid, and the amount the CRA is reporting is the same as my last hospital bill, do I still need to send the first dispute letter to the CRA's?
Can't I just start with paying the Hospital in FULL along with the HIPPA letter and insert "A"?
OR is there a legal angel to this that I am totally missing on?

FYI, I will still send the dispute letter to the CRA, but this was more for my and everybody else's general information.

Thanks Why Chat

OK, the reported amount is correct as per your last hospital bill, which was WHEN???

How do you KNOW the account as billed was actually assigned/sold to the reporting CA??

THAT is why you need to start with the medical dispute letter, to establish the"chain of evidence".

Point taken!. thanks a lot for the your excellent explanation. Much appreciated

I also read in one of your posts that BEFORE starting to repair credit one should ALWAYS GET PAPER copies of ones credit reports. I have signed up for TC.com and have soft copies of my reports from all 3 bureaus, So I will go ahead and request paper copies on annualcreditreport.com