medical debt - what to do now? 500$
Date: Wed, 05/20/2009 - 02:35
I have a 2006 collection on my file. its is for a medical bill of 500$. I only recently discovered it. never knew about it before. the debt was validated as I received a reply letter.its simple, stating that the original fee for the service was 7000, my part was 500 - which I never paid and it ended up on my credit file.
I am not sure what I should do now.
should I offer full payment for delete deal?
should I make them provide more detailed information about the amount in hope it is actually less...?
should I dispute with the bureau?
pls help:) thanks very y much!
did you send a debt validation letter? if so and the debt was va
did you send a debt validation letter? if so and the debt was validated and yours, i would send a pay for delete letter. remember, fcra does not require creditors list all accounts, only that they MUST report accurate information..the company may go for it and they may not. if they choose not, check your state sol for lawsuit. if the debt is in sol, then you have to decide if you want to chance it and not pay it, or simply pay it. generally speaking, if the debt is yours and within sol, your best option is pay for delete. if the creditor will not accept, then your second best option is to settle the debt or pay it in full-your choice..but for me, after i paid medical debt and disputed a few weeks later-it went away. the ca did not respond to my dispute after it was paid and the items were deleted from my report this way..i've had 4 meds dissappear from my report this way..but they should not have-maybe i was just lucky..good luck
i want to settle for delete.but since the debt validation letter
i want to settle for delete.but since the debt validation letter from them was basically a bill with a few numbers I wanted to know if i have a chance lowering his amount and paying it then for deletion? thx!