I just filed chap 7 and still going thru it, I received a collection letter bout 2 days ago saying that a doctor bill that wasn't paid was going into collection. Now that crap is going on my report. So when you repay, where do you send the money?? On the credit report, they only have the address and acct. # but no phone number, I want to send the money, but can I get a receipt or some notice that they received the payment???
2006-11-19 09:48:53 · 6 answers · asked by MadameJazzy 4 in Business & Finance ➔ Personal Finance
First read ugottafriend4life's answer again and follow it. You may be able to add it to your BK.
Next...VERY IMPORTANT! Is this the first collection letter you got? It should have a statement telling you that you have 30 days to dispute the debt.
Send them a dispute letter and demand validation. That will buy you some time to look into the BK filing. It also places a "stay" on the collector preventing him from placing anything on your credit report. By law, he can not proceed with collection activities until he validates this debt.
During this time you can negotiate with either the doctor's office (preferred) or the collector. But demand IN WRITING that in exchange for payment they must not place anything on your credit report. Does it make any sense to you to pay the bill and still have your credit messed up by these jerks? If they sue you, the judgement stays on your credit report for 10 years, same as the BK report. So they really can't do much harm to you. But if they want your money then make them give you something in return!
2006-11-19 10:18:38 · answer #1 · answered by Anonymous · 0⤊ 0⤋
The collection letter should say where to send the payment to. You can request a receipt, but it is still going to stay on your credit report for 7 years.
2006-11-19 10:07:52 · answer #2 · answered by Mariposa 7 · 0⤊ 0⤋
If the bill is pre-petition, then you can add it to the Chapter 7 (unless you have already been discharged)....talk to your attorney about it. If the bill was incurred after you filed Chapter 7, then you have to pay back. If you can't find the collection agency's phone number, you can call the place where you originally created the debt (doc office, hospital, etc) and they can tell you where the bill was forwarded. You can also try to find a phone number for them on www.whitepages.com. Good luck.
2006-11-19 09:53:44 · answer #3 · answered by Anonymous · 0⤊ 0⤋
call the doctor and ask what collection agency they send over due payments to..It should also be on the collection letter where to send payments. A lot of companies let you pay online.
2006-11-19 09:50:22 · answer #4 · answered by Sara S 4 · 0⤊ 0⤋
You could write a check, send it to your doctor and send it Return Receipt Requested. Then they will have to sign for it. If you do not have a checking account, you could buy a money order and do the same thing. Or you couldbring it to the doctor's office.
2006-11-19 09:52:40 · answer #5 · answered by Sandy R 2 · 0⤊ 0⤋
Pay using a check, or a money order, and send it registered mail so you get a signed receipt when they receive the payment...
2006-11-19 09:51:51 · answer #6 · answered by Anonymous · 0⤊ 0⤋