Unsure what to do
Date: Fri, 02/06/2009 - 16:07
Can anyone suggest the next step for me? Contact the health insurance co maybe?
Thank You
Also, when I received my validation response from NCO, in the envelope addressed to me, was my response letter and some other guys letter that lives in TX. (I'm in RI). Should I mail it back to NCO explaining it was sent to me, or mail it to the TX guy?
Do you remember if these claims were denied for any reason? The
Do you remember if these claims were denied for any reason? There are times when we have had insurance deny a claim for one reason or another and at that time we call the insurance company to make sure we understand why it was denied.
You could probably call the hospital where you went and see if they show a record of the claims being denied. If the claims were denied and the insurance company just flat refuses the claim, it is your responsibility to pay the bill. Do some checking to make sure you claim was accepted and if it was then start asking quesitons as to why your account was turned over to a collection agency.
I would send the other person's letter to him along with a note to let him know that NCO had included his letter with yours and let him raise cane with them for sending his information to someone else.
Contact the hospital and ask about the amount owed. If your ins
Contact the hospital and ask about the amount owed. If your insurance company paid and you paid your co-pay amount and the hospital is still trying to collect more than they are in violation of the law.
Contact your insurance company and ask them why the hospital says you owe more money, they should handle it for you.
I agree with 2nband--check to make sure that it really was cover
I agree with 2nband--check to make sure that it really was covered. If it was, then you have everything you need to get these people to go away. Contacting the hospital may help, but these debts could have already been sold to the debt collectors, so it may not, but it is worth a try anyways.
Once you can verify that there was in fact no unpaid balance, then you need to know who owns this debt. If NCO owns it, it wont do you any good to push the hospital to stop trying to get money on this debt. I would consider at that point sending NCO a copy of your insurance statements, showing that it was already paid, and telling them to get lost. As for the letter they sent you from the other consumer, I would definitely send him that letter and include a note explaining two things:
1--explain exactly how you got the letter.
2--explain the portion of the FDCPA that deals with debt collectors sharing information with third parties, without his permission to do so.
At that point, he would have a potential case against them himself--that is negligence at the very least.
