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Medical Bill in collection

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Hello,

 

I'm new here but I've been looking around and found this from reddit. I want to get this collection off of my credit which I found out I had a few weeks ago. I found out that this credit collection agency has been mailing this amount to my parents house address (which I haven't live there since 2012) and when I was trying to refinance my home mortgage. I don't recall ever getting a direct bill from the hospital because I'm sure I would've paid it right then and there since I hate being in debt. The amount is for $150.96 a medical bill from Seguin Texas Emergency Physicians this is most likely from when I got into a car accident on May 11, 2016. I do have my insurance EOB (explanation of benefits statement) showing a date of June 16, 2016 from the EOB I do see the $150.96 on there. I also see the collection on my credit karma but I see 2 different collection agency "phoenix financial services" and "ability recovery services, LLC". I would feel better to pay it off but I want to make sure it is done the proper and effective way, so I don't have to see it anymore on my credit. Any help would be great! 

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Follow the guides;

https://whychat.me/GUIDEBOOK.html

(opting out will also help you with your refinancing as it helps prevent the "poisoning" of your reports by JDBs

https://whychat.me/GUIDE HIPAA PROGRAM.html

 

The initial dispute letter to the CRAs should get the account deleted once you have opted out and deleted old addresses (as much as possible)

https://whychat.me/hipaadisp.html

 

The account is likely being reported by JDBs (junk debt buyers) and not by legitimate assigned CAs from the OC medical provider. It is beyond any legal collection date. 

 

Unless you follow the above instructions any effort you make to pay either of these CAs will result in a "paid" collection on your reports, which is WORSE than an unpaid one as it will still be derogatory but NEWER. 

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