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jessica_schaun
Joined: 08 Sep 2008
jessica_schaun's page
Posts: 11
309 Magic Points
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Subject: how long does docter bill stay on your credit record?
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Mon Sep 08, 2008 7:59 pm
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| i have a $9345.43 bill on my credit from 2001 how long until it goes away? it was 7752.84 before they turned it in to collecters. interest was added!my god doctor bills are already over prices!! |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 4005
1187 Magic Points
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Tue Sep 09, 2008 1:58 am
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Like any other bill it will stay on your credit report for seven years, so as long as you have not paid on it, it should fall off your report this year some time. What month in 2001? What state are you from? Was it a hospital bill or a private doctor?
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Goodnatured,
http://cashinpocket.synthasite.com/
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jessica_schaun
Joined: 08 Sep 2008
jessica_schaun's page
Posts: 11
309 Magic Points
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Tue Sep 09, 2008 2:07 am
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well really it was my husbands bills we are trying to get off his credit score is getting better slow so i asked a bank why is it taking so they said it was because of those docter bills! We live in MO, and hospital. thank you so much i have ask so many people it is nice for people like you to take time out of your day for me!
Thanks, jess |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 4005
1187 Magic Points
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Tue Sep 09, 2008 2:15 am
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We have all been in your shoes at one time or another, especially to clean up our credit reports, god it is a lot of work and it takes forevvvvvvvvvvveeeeeeeerrrrrrrrrr. I have been working on mine for a good three years now. I have decided to just ride out the storm with some of them, they will fall off eventually. I have paid them all but they still hang out under the negatives because I was not wise enough to ask them to pay for delete when I was paying them off. If I would have came here first, I would have done that. Oh well, now while I wait for them to fall off, I am rebuilding by keeping payments current and trying to open new accounts, charge a little bit and pay on it to establish a current payment history. Anyway, you get my drift.
We have all done it, and we are here to help, so Fire Away, LOL.
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Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online |
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anthony
Joined: 31 Jul 2006
anthony's page
Posts: 550
13573 Magic Points
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Tue Sep 09, 2008 7:15 am
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Hi jessica
As far as I know, since it is a doctor's bill, the SOL is 5 years and so your SOL has already expired. So you should not try to repay it because even if you repay a small amount the SOL will rewind and you may have to repay the debt in full. Now as regards the negative listing in your credit report, the listing will stay there for seven years and six months from the date you first made the missed payment. This means that if you made the first missed payment in Jan 01, the listing will be out of your credit report on July 08.
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Anthony Marx
A positive attitude is not achieved by turning a blind eye to the negative, but rather by responding to every situation in the most positive way possible. |
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Tamara
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Subject: Old Visa Bill
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Fri Nov 07, 2008 3:53 am
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| I cancelled by Visa in 1999. Outstanding balance of $1,000.00. Last payment made was in 2004. Collectors called and said they were going to take my car until I paid the balance. Can they do that? If they can not take my car how long until this is off my credit report? |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 4005
1187 Magic Points
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Fri Nov 07, 2008 4:08 am
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did you buy the car off the visa, is there any connection between the credit card and the car? If not, they can not do anything with the car. Is the credit card a secured or non secured debt?
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online |
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Mary
Joined: 06 Jul 2006
Mary's page
Posts: 730
17417 Magic Points
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Fri Nov 07, 2008 10:09 am
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Hi Tamara
Since the last payment was made in 2004, the SOL to the debt may or may not have expired because the SOL varies from state to state. Statute of Limitation generally ranges from 3 years to 10 years and if your SOL has already expired, you are no longer required to pay off the debt. Now if it is your credit card debt, the creditors cannot take away your car for it without a judgment. Moreover, if it the debt is listed in your credit report, you should immediately send a DV letter to the creditor asking them to validate the debt they are claiming.
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Where there's a will, there's a way !! |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4500
8812 Magic Points
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Fri Nov 07, 2008 11:40 am
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| Tamamra, let us know the state you are from and we can let you know if you SOl time limit is up. Also I agree with GN. If you are not protected by the SOL and they can prove you used your card to purchase this vehicle they maybe able to take it. I went through a bankruptsy years and years ago (like14yrs ago) and one of the first things they asked me is if I had any of the merchandise I had bought with any of the cards. They even asked if I still had my couch set which was a few years old by then. We had to sell off most of out belongins to cover the costs of cancer treatments so I didn't really have anything to give back but just se sure your car has no ties to the card or you could be in trouble and may lose it. |
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sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1498
111 Magic Points
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Subject: credit
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Mon Nov 10, 2008 7:32 am
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| I have some un-paid hospital bills ( emeregency room visits,,) myself. A few of them , the SOL for my state has expired...Pennsylvania SOL is 4 years. I'm STILL amazed how many times these debts can be 'sold' from one CA to another. It's crazy. I must have had this debt 'sold' five or six times. |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4500
8812 Magic Points
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Tue Nov 18, 2008 12:25 am
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| Yes it is really crazy. I had always thought that they could not sue for medical bills. I am not sure where I heard that but I can see that that really can not be a true statement. I have one doc bill on my credit report but I am absolutely not paying since it was covered and they made the mistake of billing it wrong. It was their mistake and I can not help if they didn;t find their error until after the time limit to submit it. |
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carol
Joined: 27 Jun 2006
carol's page
Posts: 1362
Location: Los Angeles, California
29592 Magic Points
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Tue Nov 18, 2008 7:19 am
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Hi Chargers
Whenever you ask a collection agency whose name is listed in your credit report against a particular debt, to validate the debt and they cannot validate the debt within 30 days from the date of reciept of your debt validation letter, they lose their right to collect the debt as per the fair debt collection practices Act. So they sell off the debt to another collection agency who again lists its name against your debt in the credit report and this process continues and so it is normal to find the names of multiple collection agencies against a single debt in your credit report.
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Keep in touch
Carol |
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Justin
Joined: 17 Jul 2006
Justin's page
Posts: 1298
28935 Magic Points
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Tue Nov 18, 2008 7:28 am
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Yes, and so whenever, you find multiple collection agencies listed in your credit report against a single debt, you should not not pay off that debt because you can be sure that they will not be able to validate the debt. Instead you should ask for debt validation and when they are not able to provide you with proper debt validation, you should send a dispute letter to the credit bureaus asking them to remove the listing from your credit report.
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All the Best 
Justin |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4500
8812 Magic Points
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Tue Nov 18, 2008 11:46 pm
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| I thought that multiple collection agencies could not report on the same debt. For some reason I assumed or was told that only the origianl creditor and the most recent collector are allowed to list the debt. Am I mistaken here? Next question...If the next collector that the debt was sold to was actually given the proper paperwork to collect the debt can they? Just because one didn't validate on time doesn't mean the proof for validation isn't there right? |
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Mary
Joined: 06 Jul 2006
Mary's page
Posts: 730
17417 Magic Points
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Wed Nov 19, 2008 10:20 am
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Yes, it may happen that the former CA may not be able to provide proper validation within the 30 day time frame and so they lost their right to collect the debt and they sold off to the debt to another CA with all the valid papers. Now if they lists their name in the credit report against the debt, and provide proper validation of the debt within 30 days from the date of receipt of your debt validation letter, you have to pay them back.
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Where there's a will, there's a way !! |
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