How to handle a debt that may or may not have been reported

[caducus]

First, hello to the community. I've read Doc's primer, am studying hard, opted out and will hopefully soon take some critical steps. Once I do and I've educated myself adequately I'm sure I'll have a lot more questions. In the mean time, the search bar is my friend.

 

That said, I've got one unique problem that I didn't find an answer to, and it's amid the top priorities, so some advice would be appreciated:

 

As I began to triage my reports and plan what to say and to who, I noticed that two recent medical bills weren't on there. I pulled these reports 3 months ago so they're mostly current. But this bill, just recently it went to a collection agency-- in the past month or two.

 

How do I handle that? Do I get in touch with the OC and offer a PFD, and just assume that they have or are planning to report this to the CRAs? I have some money- not enough to pay the whole of what they're asking, but I am in a position to talk. And obviously getting this done before it went to a CA would have been ideal, but it is what it is. I'd hate to get in contact with them and make a mistake, which I understand is easy to do in this game. And if it IS on the brink of hitting my report, I obviously want to handle it quickly.

 

Thanks. Looking forward to all the learning.

[CB Owners]

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[UNI4790]

I would say first and foremost you should pull your reports again and see if they are on there. That will be the basis of what your next step is.