Medical collection from 2017

[path2repair]

I got a text message from NRA trying to collect a medical debt from 2017. I have no clue what this would be for, says it’s from our local hospital. First contact trying to collect an almost 6 yr old debt. 

[path2repair]

Would I start with the regular HIPAA dispute letter to the CA or go right to the SOL letter. This is not in my report as of now. 

[Why Chat]

Text message?? You have got to be kidding!! DO NOT RESPOND this is spam. From the NRA?? The National Rifle Association?? 

[path2repair]

LOL no, National recovery agency. The phone number and the web address in the text message do check out as legit.  

[healthcmsny]

Medical collection from 2017 can be a concerning and stressful issue for individuals who may have  debts. It is important for individuals to understand their rights and options when it comes to medical debt collection, and to take action to address any outstanding debts as soon as possible to avoid further financial consequences. Seeking the advice of a financial or legal professional may also be helpful in navigating this process.

[MarvBear]

@healthcmsny  I edited out your link to your website.  We do not allow our members to use our resources for advertising purposes.

 

Please do not do that again.

[path2repair]

5 hours ago, healthcmsny said:

Medical collection from 2017 can be a concerning and stressful issue for individuals who may have  debts. It is important for individuals to understand their rights and options when it comes to medical debt collection, and to take action to address any outstanding debts as soon as possible to avoid further financial consequences. Seeking the advice of a financial or legal professional may also be helpful in navigating this process.

Thanks but not really either at this point due to the age and amount of the debt. I just do not want to deal with a zombie debt collector for the next several years because someone decided to buy an out of SOL debt. 

 

[path2repair]

@Why Chat They have now started calling as well.  I could use some advice on which letter to use please.  

[Why Chat]

The law requires that a collection agency MAIL you a demand letter within 5 days of any telephone (or text) communication.

Sending them a letter without having anything in writing from them with a legitimate return address is like clicking on a spam notice.

 

Who would you send a letter to?? They are not reporting and they have not furnished you with any legitimate address. If they call again ask for the name of the person you are speaking to the name and address of the collection agency and state that they are in violation of the Fair Credit Reporting Act for not providing you with any written documentation of their obsolete claim. 

[path2repair]

On 5/2/2023 at 5:16 PM, Why Chat said:

The law requires that a collection agency MAIL you a demand letter within 5 days of any telephone (or text) communication.

Sending them a letter without having anything in writing from them with a legitimate return address is like clicking on a spam notice.

 

Who would you send a letter to?? They are not reporting and they have not furnished you with any legitimate address. If they call again ask for the name of the person you are speaking to the name and address of the collection agency and state that they are in violation of the Fair Credit Reporting Act for not providing you with any written documentation of their obsolete claim. 

 

 

This is all I have from them is the text with the details of the debt, a link to pay and a image of a letter on how to dispute. I have not found anything that has come by US Mail So for now I guess I will ignore it.  Since the debt after insurance payment  is well less than $500 I doubt it would show up on my credit report with the new law anyway. 

 

 

 

Edited May 6, 2023 by path2repair

[Why Chat]

Just make sure you NEVER EVER click the link in any type of collection notice. Unless your system is completely protected this is how people get hacked and/or have their identity stolen.