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?
Full Version: Validated Debt
Moving to "medical debt" forum where you might get some better answers...
PS - how old is the debt?
PS - how old is the debt?
QUOTE (bravesfan @ Jun 22 2009, 12:22 PM) 
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?
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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QUOTE (CargoJon @ Jun 22 2009, 12:40 PM)
Moving to "medical debt" forum where you might get some better answers...
PS - how old is the debt?
PS - how old is the debt?
4 years old
QUOTE (Why Chat @ Jun 22 2009, 05:02 PM)
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
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
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