I have a collection notice from 6/2004 on my credit report that stems from a 2/2002 surgery. Can they change the dates like that? I filed for SS Disability in 2003 and have been told they cannot collect this money because of me being on disability. Is this correct. If not what can I do, I have no income to pay this bill.
2007-04-16 06:06:27 · 5 answers · asked by Anonymous in Business & Finance ➔ Credit
7 years. Collectability isn't the issue.
2007-04-16 06:08:56 · answer #1 · answered by wizjp 7 · 0⤊ 0⤋
All collections stay on your report for 7 years from the date of delinquency. If you were paying on the debt at one time or if it was held up by your insurance company trying to decide what to do and it didn't go into collections until '04, then it's 7 years from THAT date. (not '02) They're technically not "changing" the date. That's illegal.
As far as you being on disabililty, you said that you filed in '03, but you had the surgery the year before. Since the surgery took place before you were awared the stipend, you may still be held responsible for the payment.
Did you have insurance at the time? If so, you can always ask them to re-investigate why the surgery was not covered. Be advised that insurance companies normally will only review cases like that if they are less than two years old. That's one option.
Another soultion could be for you to call the hospital and ask for their social services department. Ask them if they have any funds for you to file hardship on your debt. That basically means that the hospital will forgive the balance you owe if you can prove to them that you were experiencing financial hardship. The will want proof of your sudden illness, your job layoff, or whatever the case may be. Larger hospitals have this available. It's worth a try!
2007-04-16 09:01:55 · answer #2 · answered by YSIC 7 · 0⤊ 0⤋
The reporting date for debt collections is 7 years, beginning from the date that the medical service was performed. Therefore, if they are now reporting this to the collection bureau as 2004, they are doing it illegally. File a dispute.
But legally collecting it is a bit different. Statute of limitations laws very from state to state, but average around 6 years. They can still sue you over this.
If that happens, and they get a judgment, then you need to worry about them collecting it. It's true that if you are on disability, they can not garnish your checks. They can, however, still go after bank accounts or seize property. If you manage to get off disability and get a job, they can then begin garnishing those wages.
Not good news, I know.
2007-04-16 06:43:26 · answer #3 · answered by Anonymous · 0⤊ 0⤋
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2016-12-10 03:28:30 · answer #4 · answered by ? 4 · 0⤊ 0⤋
The hospital has turned it over to a collection agency and that is why it is coming back to you now. they can send it to collections over and over and over again until they get that money back to pay it off
2007-04-16 06:09:39 · answer #5 · answered by Anonymous · 0⤊ 0⤋