Some bills I got are totally bullshits, like unsolicited books sent to my kids, like medical bills should be sent to my insurance companies. But after I talked to them over the phone, they still keep sending me those bills. What I can do?m I can just choose to neglect them, but will they affect my credit points? Thanks for any inputs!
2006-10-01 03:52:31 · 6 answers · asked by Kuris 1 in Business & Finance ➔ Credit
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2006-10-01 12:39:47 · answer #1 · answered by ken_voss12345 4 · 0⤊ 1⤋
Yes. neglecting them will affect your credit points if they are truly bills (like the medical) but probably not unsolicited books. I know it is an awful experience with most customer service depts these days, they are horrible and you can spend hours and they still don't fix the problem. The only thing you can do to protect yourself is to PUT IT IN WRITING and make a copy and mail it. Get everyone's first and last name if you can (I know they usually won't give last name, if they won't then ask for their extension or code or something that will identify them when the next person asks "who did you speak to before?". If you can get this they are more likely to do it correct, but if they don't you can prove you already spoke with someone. Go to annunalcreditreport.com...this is free with no scams and nothing to buy and you should check it once per year. You can get a full credit report from the three major agencies for free. Any negative items are on the top. You can respond if you don't agree with what it says or if you have already tried to fix the problem and they have not complied. They will contact the company and research it for you and will delete the negative info if you can prove you are correct. If the company still doesn't correct the problem you can put a note next to the account with the information of who you spoke to and how you tried to correct it. Good Luck!
2006-10-01 04:00:25 · answer #2 · answered by cadodevine 3 · 1⤊ 0⤋
It's fairly easy to fight this...but you need to start doing a couple things.
Keep accurate records of your communications with the creditors.
Put everything in writing, and send by certified mail/return receipt.
Regarding the unsolicited books, send them a "demand for validation" letter. That means they must send you any copy of request you made for these books (order card, invoice, etc...). Inform them that until the debt is validated, any attempt to place this on your credit history will be cosidered a violation of the Fair Credit Reporting Act and you WILL file a small claims suit against them. If they want to risk a $1000 lawsuit to recover a $10 bill, go for it.
The med bills are a little differant. I've been this route before. Make sure that the medical provider has submitted this to your insurance company, and make sure they have the correct policy information. One error and the can't process it correctly.
If they claim they did, you need to contact the insurance company and find out why it's not paid (and why they didn't inform you about it). I'm going to bet the hold-up is on the med's end.
What I have to do is get everyone on the phone together in a 3-way call, and get it ironed out.
2006-10-01 07:40:38 · answer #3 · answered by Anonymous · 0⤊ 2⤋
You are not responsible for anything unsolicited that comes in the mail. You don't have to send it back either. If you cannot get the billing co to send the bill to your ins co., send it to them yourself and complain to your Dr. He needs to know that his billing office is doing a bad job. Yes your credit will be affected by unpaid bills and the interest on them will continue to climb. You have to clear them up right away.
2006-10-01 04:04:05 · answer #4 · answered by notyou311 7 · 0⤊ 0⤋
If you live in the UK then unsolicited items sent to you through the post can be considered gifts as you did not ask for them. In other words you can tell the people to get lost and they cannot do a thing about it. Hope this helps. Try the web site http://www.tradingstandards.gov.uk/index.cfm for more advice. Not sure about medical bills though as I assume you are not from UK?
2006-10-01 04:03:21 · answer #5 · answered by yos 1 · 1⤊ 0⤋
If the Medical providers said they have or haven't filed your claims... You still need to sit down and call your insurance company with the bills in front of you and inquire if these have been turned in to them... If they have the insurance co. should send you an EOB..... explaination of benefit... after each claim is made... an EOB is sent to you... tells how much they pay and how much you are to pay... If the insurance co. says they haven't received them, call med. provider and tell them to re-submit. If you keep in touch with the people you owe until problems are resolved you are less likely to be turned over to the credit bureau... And yes this can effect your credit score if they report it unpaid... I know it's sad...sometimes we have to do their job to make sure things are done right.... Good Luck!!
2006-10-01 04:05:37 · answer #6 · answered by Sandy 6 · 0⤊ 1⤋