Over two years ago I had outpatient surgery at the local hospital. My insurance co-pay was $50. I think I paid it, but I just got a collection agency letter, so when I called the hospital they told me that they had done an audit, and that's how they found it. They didn't bother to send me a bill, they just sent it to collections. I have no proof that I paid it, because I use a different bank now. I just can't imagine that I would let bills slip by back then, so I don't think it was unpaid back then. What can I do? Should I just pay the $60 (they're charging interest) or is there a legitimate way to make them cancel this two year old debt that they haven't cared about until now?
2006-12-20 03:29:42 · 9 answers · asked by sandsunsurf 3 in Business & Finance ➔ Credit
If it is a private hospital it is valid until paid. State funded hospital 3 yrs. And yes they are charging interest and collection fees. They can garnish your wages unless you set up payment and pay something monthly. If you don't pay, it will go on your credit record for 7 yrs.
2006-12-20 03:35:50 · answer #1 · answered by firefly 5 · 1⤊ 0⤋
Depends upon the state you reside in. Most debts are good for at least 7 years, and if you owe the Government school loans or the IRS these can go on into eternity. Check your records if you have a cancelled check or see one was sent in your check register. Just becuase you changed banks doesn't mean you can't get a copy of a cancelled check. Or pay the bill and be done with it.
2006-12-20 03:33:19 · answer #2 · answered by beeotch 3 · 0⤊ 1⤋
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2016-12-11 12:52:07 · answer #3 · answered by ? 4 · 0⤊ 0⤋
Contact your old bank for your account records. They are required to keep them for X amount of years. If you can't find proof in those then pay the bill.
2006-12-20 03:58:29 · answer #4 · answered by smilindave1 4 · 0⤊ 0⤋
There is no limitation on time for them to attempt to retrieve this bill however because it is a medical bill there is no penalty toward your credit rating should you decide to apply for a loan or credit card. Medical bills can not be held against you when attempting to complete such transactions. This doesn't really answer your question but I thought you might like to know should you be wondering how it effects your credit score.
2006-12-20 03:48:15 · answer #5 · answered by Adam F 2 · 2⤊ 0⤋
I would pay the 60 and be done with it, if you can't prove that you paid it then they can pretty much do what ever they want! I have been through this same thing and trust me it's much easier just to pay it!
2006-12-20 03:33:05 · answer #6 · answered by randyssgirl25 2 · 2⤊ 0⤋
Although the debt can only remain on your credit report for 7 years, the debt is valid forever, or until they decide to write it off or you can prove you paid it. If neither of you has record of payment, they assume that it was not paid. As long as they are willing to collect, they can contact you until you die, and then contact the executor of your estate.
It doesn't matter how long it took them to notice it. If you owe it, you owe it.
2006-12-20 03:31:14 · answer #7 · answered by Blunt Honesty 7 · 0⤊ 1⤋
Unfortunately, if you cannot prove you paid it they can keep it in collection. If reported it can remain on your credit for up to 7 years I think. If you have the date, you might be able to have your old bank check on if for you.
2006-12-20 03:32:56 · answer #8 · answered by Meadows 2 · 1⤊ 0⤋
call your insurance company at the time. they should have the record. Then for just $60 i would just pay it.
2006-12-20 04:13:53 · answer #9 · answered by Anonymous · 0⤊ 0⤋