Medical Expenses
Date: Thu, 02/18/2010 - 12:28
If you have delinquent medical bills incurred in a different state, but were living in Texas, does the Texas SOL and state laws regarding garnishment apply or would it be the state SOL & laws where the debt was incurred?
If payment is made to a CA for these debts, do I first get something in writing from the CA stating that payment is made in full and that they will remove the ding on the CR once payment is made? Also, what's the likelihood that a CA would remove the interest attached to the debt? Thank you.
If payment is made to a CA for these debts, do I first get something in writing from the CA stating that payment is made in full and that they will remove the ding on the CR once payment is made? Also, what's the likelihood that a CA would remove the interest attached to the debt? Thank you.
Quote:Originally Posted by AnonymousIf you have delinquent medic
Quote:
Originally Posted by Anonymous If you have delinquent medical bills incurred in a different state, but were living in Texas, does the Texas SOL and state laws regarding garnishment apply or would it be the state SOL & laws where the debt was incurred? |
It's a technical question. However, the rule of thumb states that the SOL of the residing state of the borrower would prevail over the laws where the debt was originated.
Quote:
If payment is made to a CA for these debts, do I first get something in writing from the CA stating that payment is made in full and that they will remove the ding on the CR once payment is made? Also, what's the likelihood that a CA would remove the interest attached to the debt? Thank you. |
You should always receive in writing from the collector that you have made the payment towards the debt. It's not unusual for the collection agencies to sell the accounts further to JDBs. Hence, there is always a chance that the debt may resurface in the future with another collector. To avoid this from happening you should always insist on receiving a settlement letter from the CA in their letter head and duly signed by the concerned person.
SC Thank you for the info. I will be sure to get something in
SC
Thank you for the info. I will be sure to get something in writing and save it forever.
I would also like to agree with SC as the Statute of Limitations
I would also like to agree with SC as the Statute of Limitations of the residing state of the borrower would prevail. Further, its always good to have things in black and white.
On the contrary you can stretch out for a " Pay for Delete ".As unpaid medical bills is considered as a regular bad debt, so they generally stay for 7 years. To the best of my knowledge as per the state constitution, wage garnishment is not there in Texas leaving a few exceptions, where your debt doesn???t fall in.