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Interesting Question for the group

Date: Tue, 08/29/2006 - 23:27

Submitted by anonymous
on Tue, 08/29/2006 - 23:27

Posts: 202330 Credits: [Donate]

Total Replies: 4


As this is my first post I have been lurking for a while now. I just downloaded on of my credit reports and noticed something funny. A place called H & R ACCOUNTS INC is listed on my file. But here is the kicker. The debt is valid and has been paid. It was for some healthcare stuff. OK Back to the kicker. The responcible party for this account that is listed at the time was my wife. (we were not married when the debt happened) Now I did all of the talking with H&R and got this thing paid. But it is on my report. My question is can they do this?

Here is what my report has listed.

H & R ACCOUNTS INC
Address:
7017 JOHN DEER PARKWAY
MOLINE, IL 61265
No phone number available
Account Number:
*******
Original Creditor:
BROMENN HEALTHCARE
Status: Paid,Closed/Collection account.
Date Opened:
03/2005
Type:
Collection
Reported Since:
10/2005
Terms:
1 Months
Date of Status:
01/2006
Monthly Payment:
$0
Last Reported:
01/2006
Responsibility:
Joint with ********(Wifes name)
Credit Limit/Original Amount:
$261
High Balance:
NA
Recent Balance:
NA
Recent Payment:
NA


Hi, welcome to the forums!

Who was the patient? The person responsible would actually be the one who signed the patient consent form. And being married doesn't really have ground on this case. Most states consider couples married by common law after living together for a certain amount of time. A court would find that you are responsible for the debt in certain situations.

Please stick around in the forums. Become a member, we'd love to have you!

Regards
Mike


lrhall41

Submitted by Teleport on Wed, 08/30/2006 - 06:47

( Posts: 1388 | Credits: )


The patient was our daughter, and My wife is the one with insurance and has always been the one to claim responsibility and sign all the forms. The state of Illinois doesn't really have common laws rules that I know of. Illinois law states that "Not valid in Illinois if entered into after June 30, 1905." or "If a marriage is valid in the state in which it was entered, it will be valid here, unless the marriage was intended to circumvent Illinois law." And after looking at all of the paper work it was for my daughter and my wife, and she was the one who signed all of the forms. So am I within my rights to demand that they remove this entry?


lrhall41

Submitted by on Wed, 08/30/2006 - 08:13

( Posts: | Credits: )


Illinois is not a common law state. When you did the paper work, did they get your paperwork?? Did you ever sign anything?? If the answer to both questions is no, file a dispute with the CRA that the account is not your, and it was not a joint account. If they validate it to the CRA then you will need to contact the original creditor to straighten this out.


lrhall41

Submitted by LCW on Wed, 08/30/2006 - 08:25

( Posts: 1151 | Credits: )