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  1. CreditSucksNot

    Garnishment Help

    No. You need to get copies of EVERYTHING in the court file. Until you see what the court sees you are only guessing at why they are taking their actions at garnishment. Sadly, you could have filed for a continuance due to being hospitalized or had the judgment vacated for excusable neglect for being in the hospital but that is moot now that they have garnished the wages.
  2. YOU are the one who wants/needs the continuance. Why should they pay for it?
  3. CreditSucksNot

    Merrick sold my account in 2014

    The CSR drone you spoke to may be partially correct. The debt is with a third party and they cannot take payment including you must speak to the party it is with. MANY collection contracts are written this way. It is to prevent the CA from doing all the leg work and putting the hours in to have the consumer bypass them and pay the OC. It is also because some collection contracts are written that the CA is paid on contingency of collecting. The CSR may be assuming it is sold because the account is coded you must deal with the third party CA it is with.
  4. CreditSucksNot

    Tori Spelling being sued by American Express

    OMG she looks like a younger version of Madame. The only thing missing is Waylon Flowers!
  5. Under the doctrine of necessities BOTH parents are responsible for medical bills for a child regardless of which parent carries the policy. Your divorce decree may spell out more specifically which parent carries the policy, who pays deductibles, co-pays etc. but under the law both parents are responsible for their children's medical care. When you say insurance was there a personal injury case or did all payments go only through his medical insurance? If there was a PI settlement I would start with the attorney and see if the claim was ever paid.
  6. Your reading comprehension SUCKS. I didn't advise them to contact ANYONE. I said I would NOT engage them but if the CA did call the OP again I would get an address to send a cease and desist. Learn to read.
  7. That does not necessarily absolve the former spouse from the debt. If you were jointly responsible for the debt then his filing bankruptcy would not wipe out your obligation on the debt. The other problem is the verbal agreement he would pay the debts in the divorce is that the creditors are not a party to that agreement. Even a court order from the family court that he pay would not have removed your legal responsibility on the debts involved. If you were the insured or the patient you would still be responsible even though he filed for BK. The good news is that the SOL to sue over the debt has lapsed in WA state and this is probably a hail mary attempt to collect before the SOL for reporting expires. I would not even engage them if they do call back. You have nothing to gain. If anything I would get an address and send them a cease and desist letter.
  8. CreditSucksNot

    time share idiots

    I had to travel to Phoenix on business. My boss booked a condo at the Diamond Resorts at an unbelievable rate. The down side was from the moment of check in to departure they hammered me to attend a seminar. Never mind that I had to leave at 6 am for meetings all day. Worse: they had my phone number from the registration and for an entire year got sales calls despite repeatedly telling them to stop calling me. ZERO chance that I would ever purchase a time share.
  9. CreditSucksNot

    Looking for Help to Increase Score

    There is no magic method to rapidly improve your credit scores. If you manage your debt appropriately your scores will reflect it. That means no late payments, good debt to income ratio, low utilization and good accounts reporting. Just to name a few.
  10. CreditSucksNot

    4-year-old ER bill in collections

    A google search revealed no information on this. My neighbor runs the billing department at a large hospital and it took us almost 20 minutes to get him to stop laughing when he read your statement. He says there is no truth to this what so ever. Please post some links to sites that have documented this occurs in the medical billing practices.
  11. CreditSucksNot

    4-year-old ER bill in collections

    The last activity is either the date of care or when you last made a payment to the hospital on the account. Which ever is later. There is no requirement they notify you before reporting. It is not a violation to do so. Sorry. I would send the CA a debt validation letter to buy time. The problem you have is the SOL is very much still alive and it appears they do sue over these debts.
  12. CreditSucksNot

    4-year-old ER bill in collections

    If the letter is correct then it appears the debt has been sold. Not common with medical debt but does happen. That means charity care is definitely out of the picture as the hospital has no role in this anymore if the debt has been sold. Worse: the debt buyer has NO obligation to offer charity care. If the debt has been sold: not helpful at all. A google search reveals there are a LOT of problems with this CA and this "law firm" and I use that term loosely. The negative BBB complaints along with the number of consumer attorneys offering free representation against them is mind boggling.
  13. CreditSucksNot

    4-year-old ER bill in collections

    Freezing your credit report does not prevent a creditor from reporting a debt. It only prevents someone from applying for credit in your name without the authority to unfreeze the reports or for creditors to screen for new credit randomly by accessing your reports.
  14. CreditSucksNot

    4-year-old ER bill in collections

    Did you follow up with the billing department or patient advocate? Unfortunately there is no legal requirement the hospital give financial assistance to patients even if they are not for profit. Though most do. The biggest mistake patients make is not providing all needed financial information documentation such as pay stubs or tax returns to qualify for financial aid. It is not enough to simply fill out the application and assume that is all that is needed. Once you apply the hospital is not required to chase you to complete the process the onus is on you to follow through. Unfortunately if the care was 4 years ago it is probably too late to apply for charity care now. You can try and follow up but it may be too late as you waited so long to follow up from the application. If they have a valid business agreement with the CA then it is not a HIPAA violation to provide the records needed to collect on the debt. Be very careful. Typically hospitals only share the records like that when state law allows the CA to sue for the debt on behalf of the hospital. They may be getting ready to file suit if this is a law firm involved now.
  15. CreditSucksNot

    Last 3 CAs Giving Me Grief

    On this "list" is ANY of the reasons you are disputing accurate on your side i.e. the balance is wrong or are you just throwing reasons at the bureaus hoping something sticks? Also, FYI: they are not required to delete if it isn't accurate only to correct the trade line so it is. Then getting it removed is even more difficult. Once they know they cannot use the courts to collect the last weapon they have is reporting to the bitter end so they will respond to all disputes through the bureaus.

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