collection scheduled to fall off in Nov 2013 why do I still need to pay it

[angeliceyes22]

Okay I have a collection that is scheduled to fall off in Nov of this year. My lender keeps bringing this up she said that even though its coming off it is still my responsibility. The bill is for 633.00 hospital bill and this bill hurts every time I see it on my credit report.

 

To make a long story short my son went to the children hospital in my area ER, they didn't find anything wrong. A week later he went back to the ER for the same issue and was admitted. Because they did not discover this issue the first time he has to live with a condition for the rest of his life. My insurance would not pay for 2 ER visits in the same month. Every time I see this collection I'm almost in tears, it just brings up bad memories. The way my son was treated the last thing that I want to do is pay this bill.

 

I am already doing Whychat program but this lender sounds like she wants it paid even if it falls off. I am no where near closing I have not even found a house yet so I really don't understand this lender is this normal?

 

ps:sorry if this is in the wrong place

Edited August 20, 2013 by angeliceyes22

[stroked89coupe]

Guess what?

 

 

If it's off of your report, You won't need to pay it. I don't care what your lender says.

 

 

Keep following whychats program. You will be fine.

[stroked89coupe]

Going to move this to mortgage section since OP is obviously following whychats program already.

[angeliceyes22]

Thanks for your response I thought so to.

[direred]

So, a question: are you sure the date's being reported accurately and therefore November's the correct date?

 

Because if it's not (and, personally, I found dates on collections were the least accurate), then you could probably get it removed.

[angeliceyes22]

It says

date opened 10/2007

reported since 02/2008

status detailed - scheduled to continue on record until Nov 2013

[stroked89coupe]

Trust me. Keep doing what your doing regarding the whychat process. It works

[angeliceyes22]

Thank you for your advise, and why chats methods do work my transunion report is clear.

[stroked89coupe]

Nice!

[Brian B The Loan Professor]

Not all banks would be concerned with a smaller amount like this especially a medical debt - If you get it removed you should be fine - the problem may be that the bank already knows about it so they may want to see where and how it was taken care of -

B

[New2repair]

Have you tried disputing this as obsolete yet?