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Medical collection - maybe within SOL - what to do?

The last post in this topic was posted 3167 days ago. 


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Hello - I would really appreciate some guidance with this. I have looked at all of Whychat's guides and prepared DV letters for the CA's, however looking closer, I read if DV's are sent within the SOL, then I could be sued. How do I go about getting this taken care of while within SOL? Does SOL start with the date of delinquency or with date of when it went into collections? We are in Florida, so I think SOL is 5 years for written contracts.


I have one medical bill for $260, I honestly don't know what it was for exactly. I never got bills for it that I know of, though I did move around a bit in the past few years from getting married, moving to a different state and back, etc. so they may have gotten lost in the shuffle. I had the same health insurance for about 8 years, but I no longer have it with the same company and am not able to retrieve information from previous claims or denials of claims. I have contacted my previous insurance company to see what I can do to get this information, but have not heard back.


It is reported with all three agencies - with Transunion it was placed for collection in August of 2010, but updated July 2014, with estimated month and year that this item will be removed as 2015. With Experian it has date opened Aug 2010, last reported July 2014 and it says the account is scheduled to continue on record until 2015. With Equifax it has the date of first delinquency as 2008, date reported 07/2014 and date assigned as 08/2010, with no mention of when it should be deleted.


Should I just wait out the year until it is removed from the reports or should I do something about it now? My husband and I are trying to get a loan and I would like to fix this dirty spot on my credit report so we can first of all get the loan at all and if we do so we can get a better interest rate. I'm afraid if I stir up "trouble" that it will come back and bite me somehow. Any advice?

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You have NOT read the guides, or if you did you have chosen to NOT the follow them.






AFTER you have opted out and AFTER you have deleted old addresses ( whenever possible) the next step is to send the initial dispute letter to the CRAs




You can NOT be sued for a medical account that is being reported by a CA unless it is proven to be the ORIGINAL assigned CA and the amount is A LOT more than $260.


In your case with a 6 year old medical account being reported by a JDB ( junk debt buyer) you will probably get a very fast deletion with the initial dispute letter to the CRAs.

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Thanks so much for pointing this out - I'm sorry, I did read the guides, but I guess I got confused and I'm really scared to start this process, so I'm trying to be sure I am thoroughly understand this - I can be a bit scatterbrained at times! Thanks again for taking the time to help and for creating these guides to help everyone to begin with!

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