(Closed) NWR- Advice needed with a collections issue.

posted 7 years ago in Money
Post # 3
Member
4824 posts
Honey bee

If it already went to collections, the doctors office wont be able to help you. You will have to speak to the collections office.

Post # 5
Member
1370 posts
Bumble bee
  • Wedding: April 2012

@keepsmiling19: I’d just pay it and be done with it. I can understand it being infuriating, but I don’t think a letter will help much. The agency won’t care and the doctor just wants their money. To my understanding (and I could be wrong) being assinged to an agency in and of itself doesn’t hurt your credit, having the past due bill that needed to be sent to a collection agency does.

Post # 6
Member
198 posts
Blushing bee

I think it honestly depends on where you live. I had the exact same situation happen to me with an ER bill in WA state. The ER didn’t have my apartment number on file (even though their main hospital did??) and I didn’t receive my bill. I also was sent to collections. When I got the collections notice, I immediately called the ER and though not proud of it, chewed them a new one. They allowed me to pay the bill and contacted the collections agency to have me removed. I haven’t received any notices since and get monthly credit profile reports and am not in collections.

Post # 7
Member
2233 posts
Buzzing bee
  • Wedding: September 2012

I used to work for a major telecommunications company up here and things got sent to collections VERY fast. 

It is possible that by the the time you had made the changes with the office the letter from collections was already printed and on its way.

We had an internal collections department, PP is correct, it will only affect your credit score if the bill is past due. 

Post # 8
Member
2103 posts
Buzzing bee
  • Wedding: February 2013

I’ve been through hell and back with a claim to my health insurance and collections. Basically, they charged me for a month that I had already paid. I had the canceled checks and everything. After a while, even if they’re the ones wrong you just want to pay the bill to avoid unwanted letters, phone calls, and explanations about the situation over and over and over.

As far as the date, most times they are automated. Usually companies want their money right away, so they’ll send it to an internal or third party collections company as soon as they can.

If you can’t get the issue cleared soon, I’d pay the $60 and chalk it up as a loss. Better that than it turning up and affecting your credit in the long run…

Post # 9
Member
2103 posts
Buzzing bee
  • Wedding: February 2013

Also, I had similar problems with getting in contact, including never being able to get through to their 800-number. I think they do that on purpose to extend the time that you’ve been out of touch to mess up your credit.

Just my little conspiracy theory. Haha.

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