Two years ago I went to the hospital for an emergency. I provided them with my insurance and figured that all would be taken care of, and I would merely pay a reduced(insurance paid down) amount. Months went by and I heard nothing from my insurance company. Suddenly I started to receive collection notices from Aargon Collection Agency in regards to my hospital visit. They stated that I failed to pay the hospital for my visit. I explained to their Rep that I had attempted to pay them and provided them with my medical insurance's information. The Rep. was understanding and stated that she would review the debt and follow up with my insurance. Several weeks went by and I heard no word, assuming all was being taken care of by my insurance. Suddenly I stared receiving calls and more notices again from the collection agency. I asked them if they contacted my insurance and they stated they had, but after speaking with my insurance myself, they confirmed that no claims have been filed in regards to my visit. The collection agency Rep obviously lied to me and never followed up with going about receiving payment. After several frustrating calls to the collections company informing them to revisit my insurance company and informing them that though they say they had, they really had not, I'm at a loss for what to do next sine now they are refusing to pursue this with insurance after stating now that I was not covered(but my insurance confirmed I was). I see they are now showing up on 2 out of 3 of the credit bureaus reports on me negatively. Does anyone have any suggestions for what I can do, so they can't adversely affect my credit any further with this claim? I feel I shouldn't be held negatively in regards to this since I am giving the hospital the ability of receiving payment, but they are not fulfilling ways of receiving payment. :roll:
By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer.
Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.