I live in Michigan and I am having a rough time financially and I have 4 different medical bills from a surgery. (which I can not believe what they charged between me and my old insurance company) Every month when I get a bill I pay $20.00 on it even though the bill says "pay in full" or "minimum amount due" and they have the total amount of the bill. I heard that as long as I keep paying them every month then they can not but it on my credit report, is that true??? Anything on this would help, please give me any feedback you have...Thank you
2007-12-09 02:29:15 · 8 answers · asked by davlinfug 2 in Business & Finance ➔ Credit
The amount of the bills is now under $200 each. I have not contacted them because each bill says pay in full but I pay what I can. Why contact them if I can not set an amount I can pay. I can only pay what I can that month since I work on call it depends on how much work I can get. I am just worried because they keep moving the balance owed from 30 days to 60 days to 90 days over due.
2007-12-09 02:48:37 · update #1
I have been told the same thing when it comes to medical debt. If you want to make sure it's okay you should call the phone number on the bill and ask them or ask if you can set up a payment plan.
That's what we did with my wife's deductible when we had our daughter (and it's 0 % intrest)
If it is telling you your over due by 30 60 -90 days than they could be putting the same thang on your credit report. Thats why I called. Once I called they asked me what I could afford.
It was very easy.
2007-12-09 02:43:08 · answer #1 · answered by Anonymous · 0⤊ 0⤋
No, it is not true. When you filled out all that paperwork before your surgery, you agreed to pay whatever the insurance company didn't pay. Legally, it is all due and they do not have to accept small monthly payments.
Did you talk to anyone about payment arrangements? Most medical institutions will only carry an account for 3 to 6 months. Any payment plan would require the whole bill be paid off within that short time.
In reality, they will probably continue to accept your $20 payments and keep sending notices. Eventually they will turn you over to a collection agency and that could show up on your credit report. Depending on the agency and the amount you owe, they may just decide to sue.
2007-12-09 02:47:26 · answer #2 · answered by bdancer222 7 · 2⤊ 0⤋
It is a difficult situation as I also know the costs of medical services. Its always a good situation to have a talk with a credit advisor. Also, you may have to talk with the people billing you and have a talk with them about setting up a payment plan. Doing so leaves them knowing you are responsible and intend to pay. Ask people close to you like parents for their opinion. Maybe they can help. All else fails you will need an attorney but you'll have to meet several of them and ask about a flat rate charge so you don't get swindled.
2007-12-09 02:38:59 · answer #3 · answered by ur_dream_god 2 · 0⤊ 0⤋
well legally no. most places just want a person to make an effort. in fact the courts and officials want only a scheduled payment plan. they do encourage you communicate with them. youd be suprised if you call in and say i can only pay 20 they will go okay but every week right. and they stop harrassing you. im paying 1 dollar a week on 5800 dollar bill and the send me a notice once a year
2007-12-09 02:37:18 · answer #4 · answered by crazzijimsmith 7 · 0⤊ 0⤋
Even if your medical bills show up on your credit report, a lot of creditors will overlook medical bills in collection. It is very common for people to have delinquent medical bills.
2007-12-09 02:45:25 · answer #5 · answered by Anonymous · 0⤊ 0⤋
it should not if you have a discussion with the billing dept and make sure they agree to this- if you have not already done so. Most agencies only get reports if you make no attempt to work out a payment plan and never respond to the bills.
2007-12-09 02:37:49 · answer #6 · answered by Sweet Tooth 5 · 0⤊ 0⤋
it never hurts to talk to creditors ex plan that you are doing the best you can and they are not the only medical bill you have.
2007-12-09 06:51:50 · answer #7 · answered by Curtis R 4 · 0⤊ 0⤋
bdancer is correct. She knows her stuff.
2007-12-09 04:53:25 · answer #8 · answered by heybulldog 5 · 0⤊ 0⤋