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medical bills in collections but not on cr yet


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I have medical bills that went to collections, and I now have a payment plan set up with the collection agency. My question is that me and my husband want to buy a house in september and I don't want the medical bills to effect that. I checked my credit reports today and so far the collection is not on there. So does anyone know if that means it will stay off, or can they add it at any time, and also should I pay off the debt or keep the payment plan. it totals around 4000 $.

thanks for any advice.

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  • 2 weeks later...

I personally would not ignore any legitimate medical bill that big. It's best to make some kind of payment arrangement with the OC before it goes to collections. My specialist's office told me that any payment at all - even if it's $5 a month - will keep the account current and out of collections. I don't know if that's the way it is everywhere (I hope so). Now that you've been sent to collections, perhaps you could still make a payment arrangement with the OC. I am no expert, but I would give that a try. My last resort would be to make a payment arrangement with the CA. Do make an arrangement, though. A collection of this size popping up during the mortgage app process would be very, extremely bad.

 

Refer to WhyChat for all information. His advice trumps anything I have to say. This is just my two cents. I'd rather deal now than to have to pay extra in grief, sweat and tears to have something removed from my reports later. I've also had the unfortunate experience of having a $110 ignored doctor balance cost me $1300+ after the lawyers got their chunk, and it's still on my reports. Never again!

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Did you sign a contract with the CA for the payments?? When was the date of medical service?? What proof did the CA provide you that they were assigned the account from the OC ( original creditor health care provider)

 

Was this left over from insurance?? Was it a hospital bill??

 

It is possible that the account was not valid and you have been throwing $$ down a CA rathole.

 

What State are you in??

 

Get your real credit reports, and opt out.

 

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

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