NCO Medical Collection Help

Date: Sat, 04/23/2011 - 01:13

Submitted by frenchbaby
on Sat, 04/23/2011 - 01:13

Posts: 4 Credits: [Donate]

Total Replies: 3

Back in 2/2008 I was rushed to the nearest hospital to my home. I had insurance but was out-of-network.(I work for a hospital) I never received bill fro the hopsital or ER Doctor. after 2 months it was turned in to NCO. I contacted OC, about 4-5 months later, asking why I didn't get a bill prior to turning it in to CA. I was told because I had no insurance on file. I gave her my insurance information. Callled back in about a month and was told it was a collet matter, and they couldn't collect due to it being to late. The insurance administrator stated they had a 2year SOL. To this date it remains on my credit report as a collection. How do I manage this? I'm willing to pay my er visit deductible for being out of network.

If the SOL is over, then you're not liable to pay it and also th

If the SOL is over, then you're not liable to pay it and also the debt collector won't be able to take any legal actions against you. However, as a negative item, it will remain in your credit report for 7 years.

lrhall41

Submitted by on Sat, 04/23/2011 - 02:16

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Is it possible to dispute? Seeing that I gave the Hospital my

Is it possible to dispute? Seeing that I gave the Hospital my insurance information in a timely manner to file the claim. Since it was in collection they chose not to file the claim, and left if in collections. Why should I be responsible for an outstanding debt when I had insurance to cover it. My Responsibility is to the out-of-network deductible not the inflated $2000.00 bill. I have never attempted to contact the collection agency seeing as I tried to correct the matter with the hospital prior to insurance SOL. The hospital financial department informed me that they only send 2 statements prior to sending it to collections, and then it's out of their hands. In 2010 I visited a network of the hospital and once again before receiving a bill a collection notice was sent. Because they had the correct address, I promptly contacted the financial office and they noticed their oversite and recinded the collection and filed the insurance claim.

lrhall41

Submitted by frenchbaby on Sun, 04/24/2011 - 02:59

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Problem is you have not paid your deductable ....you should have

Problem is you have not paid your deductable ....you should have resolved the portion you were NOT disputing. Collection agencies dont file insurance claims....they pass the info along to the hospital.

lrhall41

Submitted by SOAPLADY on Sun, 04/24/2011 - 04:55

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