CA Medcah Inc. - Unpaid medical bills

If your debts has been charged off and assigned to a collection agency, then you can definitely send them a debt validation letter and ask them to validate the debt. Unless they validate the debt, you shouldn't pay them anything. If they validate the debt, then you can send them pay-for-delete proposals for paying off the debt. However, if the SOL period of debts are over as per your state laws, then you shouldn't pay them anything. However, the negative item will remain in your credit report for 7 years like any other negative information.

They aren't coming after me for the money. I have long ago stopped getting calls/bills.

I just wanted to get the negative entries off my credit report. I know the CA will report it again in November which means that my Experian score will take somewhat of a dive again.

Are you saying that paying off or settling may actually not be worth it?

You can forget it being removed just because you dont want it there....you would have to dispute it and that is likely to wake a sleeping dog. if they are reporting accurately, they can legally report for the full 7 years.

I know they won't remove it because I want them to do it. That's why I mentioned that I'd be willing to pay it off- albeit not in full.

I know they aren't required to agree to a PFD offer. Do CAs generally dis/agree to PFD offers or is it a mixed bag?

3 of the 4 accounts are "scheduled to continue on record until May 2012. Does this mean the CA will stop reporting it after that date? Does it still affect my credit score afterwards?

Anybody?

Would like to share an incident that happened to me, and that may help you and others in the future:

In 2010, I had a hernia operation. We paid the deductible & the hospital visit was paid for (or so I thought). In July, I received a telephone call from a collections agency demanding payment of approximately $1000 on an anethesiologist's (sp?) bill associated with my procedure. I told him that my insurance company was responsible for the bill, and to contact them. The guy on the phone was rude (no surprise there) and demanded I pay. I told him that I will contact my insurance company directly. To make a long story short, this bill was never submitted to my insurer for payment, according to the insurance representative. The rep then phoned the debt collector's office (I was conferenced in), and told the DC to submit the bill.

My insurance rep told me this is a common practice. When you go into the hospital for a procedure, there are other specialists (surgeons, etc.) who may be affiliated with the hospital, but who separate bill. So while your insurance company may pay for the cost of your hospital visit, it may not cover the cost of the specialists who administer anesthesia, consult with the surgeon, the surgeon him/herself, etc. So if you know that you are having surgery (in or outpatient), be certain that all of the specialists responsible for your care are covered on your medical insurance, and check whether or not they directly bill the insurance company or not. The hospital may be covered, but the specialists may or may not be.

If I were you, I would contact your medical insurance company, give them the dates of the procedure or procedures, and ask if the bills you received were paid or not. If not, ask your insurer to contact the collection agency directly (conference in the call) and have them hash it out.

After contacting my insurer, I never heard from the collection agency again. The bill was paid.