collections agency?

Question

I have a medical account in collections that i didn't know about.(I just checked my credit report). I had insurance at the time so i contacted my insurance agency to find out why they didn't pay. They said they had no knowledge of this claim, so we called (on 3 way)the collection agency to get a itemized bill. The refused to send my insurance anything what can i do. because i'm trying to fix my credit.

Answer 1

HI :)

There is a form letter that you can get off of here that you send to the collection agency and if they don't provide you with 100% proof then they have no choice but to take it off and if they don't you can send a copy of the letter you sent them to the credit bureaus and they will take it off. Going through the same thing right now the woman on the phone was such a b---- she told me to drive there and get proof if I want it that bad.

So my next step is to send a letter to them Certified and if you don't hear from them with 15 days you can send a copy of the letter and the receipt with there signature on it that proves that you send it to them. So the rest is history they will remove.

:)

Answer 2

If you had insurance 'and provided' it to the medical provider and the medical provider failed to file a claim, and it is now to late for the insurance company to pay it, you ARE NOT responsible for the debt !!!

If you did provide the insurance info to the medical provider, ask the insurance company to send you - in writing - the reason they gave you why they did not pay the claim.
Also ask if they will still pay the original medical provider. If it has been less than a year ago, many insurance companies will still pay. Be sure to get everything in writing - create a papertrail.

Contact the medical provider - in writing, send it certified mail return receipt - ask them for a full and complete accounting of your account.

If the insurance company says that they will pay the claim if the medical provider files it, send a letter to the original medical provider and request that they file the claim (send it certified mail return receipt)

If the insurance company says that to much time has passed and they will not pay, send the HIPAA letter using the proper insert. (which basically tells the creditor that they had their chance and screwed it up and there is nothing they can do about it)

Using the HIPAA letters "requires", by law, for the original medical provider to recall the debt from the collection agency and demand that the collection agency remove any and all information about you in their files and on your credit reports if they listed it.

Go to the site I've listed and do some reading in the medical forum about using the HIPAA letters. Start with reading the overview to using the HIPAA letter that is pinned at the top of the forum.

If you use HIPAA, do not have any more contact with the collection agency. If you do, you may end up waiving your HIPAA rights.

Answer 3

Note that when you received your medical treatment, you signed a release that said you were responsible for the bill. If your claim was denied for any reason, you would still be responsible for the bill.

Also, insurance companies will not accept claims from collection agencies. It must be submitted by the medical provider.

So in your situation, you need to bypass the collection agency and deal with your providor directly. (I can see the collection agents cringe when I say that).

Keep in mind that dealing with insurance companies is a complicated affair. Many providers have to hire experts in medical billing to deal with it. Small errors can delay payments for months.

I'm going to bet that there was an error somewhere along the way here. Just work with the provider and get this fixed.

Now, if that doesn't work, you will need to play hardball with these people. So here is how the "game" is played.

Have the insurance company send you a letter saying that the bill is covered under your policy, and they are simply waiting for a claim to be filed.

Send a letter to the medical provider with a copy of the insurance company letter. Tell them to 1) cease and desist all collection activity, 2) Remove any negative information from your credit historhy, 3) Supply proper validation of this debt.

Send a copy of this letter to the collection agency, and that will stop them from bothering you further.

Now a couple of thing will happen next. If they try to sue you, it will get to the judge, who will see your letters and rip the collection agency a new b-hole.

If they ignore you and continue to post this on your history, file a lawsuit for violation of the Fair Credit Reporting Act.

I really don't think this will go that far. Just work with the provider and it should be taken care of.

Answer 4

call credit agencies and ask them to investigate this. with medical bills if you don't get any bill from them for 1 yrs- you don't have pay them nothing, nor your insurance. if they don't prove that this bill was yours- credit agencies will remove those account from your credit report.

Answer 5

If you request an investigation through your state's Insurance Commission, you might be surprise at the speed of which your problem is fixed.

No insurance company wants an investigation, and usually a smaller amount will be paid immediately and without question to avoid an investigation.

Answer 6

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