收到 Collection 的电话需要付三年前的账单

昨天突然接到一个collection agent 的电话说需要付2018年我女的的ambulance $3100账单，在这之前我从来没有收到和看到过任何关于这个账单，而且当时我是用的medical,并且今天也打电话给Medical询问是cover的，medical 问我要了对方电话打过去让他们file claim，我刚刚查了一下通话记录发现他们从20年10月就开始给我打电话了，只是我以为是骚扰电话就给拉黑了，但目前看我的信誉分数还是很高，所以产生了collection account 多久才会影响分数..

不了解具体情况，但是需要提醒楼主的是如果近期需要用到信用分数，比如贷款买房，一定要解决好这个问题，一旦记录进入了你的credit report，会对分数有重要影响。我有个信用卡欠了一百多块钱忘了还，信用一下降了200分，虽然后来解决了，但当时贷款买房的计划不得不搁置了几个月。

啊，会这么严重…

跟collection company打电话，说pay to delete。如果他们同意，分数是会涨回来的。信用非常重要，买房什么的都会看。哪怕扣分以后分数高，credit report还是可以看到这个记录的。

Option a, work with your hospital billing department, they always have a payment plan.
Option b, debt collection is almost like a game. A lot of people don't know how to play it. I am no expert but I learned a valuable lesson a few years ago where if you acknowledge anything about the debt, you may now be responsible AND the statute of limitation CAN reset. So be very very very careful on how you respond to it. Just paying off the debt may sometimes go against you.

A wise experienced person said that the first thing to do (if you do want to reply) is to send a registered letter asking them to first prove that the debt indeed belongs to you. A lot of times, they wouldn't have the right documentation and they would stop chasing you. They want easy money and if they don't get it, they move on especially for smaller amounts.

It is called Requesting a Debt validation letter. Do not call them and give them any info on phone. Don't do it. If you want to interact, send a Request for Debt Validation letter. See an example from nerdwallet below that explains this well:

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https://www.nerdwallet.com/article/finance/debt-validation-letter

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I once sent this to a debt collector and then never heard from them again. Do not pay immediately and do not call them and give them ANY info on you. They are not working in your best interest.

ninizeze 发表于 2021-8-26 18:07
Option a, work with your hospital billing department, they always have a payment plan.
Option b, de ...

Thank you so much for your information. The insurance company asked them to file a claim for that bill, not sure if they will do it.