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How do I get a medical bill off my credit ???

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Joined: 17 Mar 2009
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Posts: 1



61 Magic Points

Subject: How do I get a medical bill off my credit ???
 
Posted on Tue Mar 17, 2009 4:56 am  

was wondering if someone could tell me how to go about fixing this - I received a $25,000 operation for a torn knee ligament through a program called MSI and then MSI decided not to pay the doctor! Now I have a $25,682 "ding" on my credit! Do I have any rights? Can this be fixed??? Thanks as I'd like to buy a house someday. . .
Mary

Mary

Joined: 06 Jul 2006
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17420 Magic Points

 
Posted on Tue Mar 17, 2009 6:52 am  

I'd empathize with you at this one, but before getting more on your rights I'd like to have some more info on the cause of this operation so that I can check your state guidelines for the same and help you out in this forum.
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Where there's a will, there's a way !!
Scooter
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Subject: $25,000 operation in 2002
 
Posted on Tue Mar 17, 2009 2:41 pm  

Mary, wow, thank you for respondig to my question, that's very nice of you. The reason for the operation was due to an injury suffered while playing basketball. Because I had no insurance at the time, I dragged the hurt leg around for 3 months before I was able to find this program called MSI which was supposed to pay for the surgery but 2 months after it was done I got a notice saying they wouldn't pay for it! I am in the process of cleaning up my credit right now and discovered this on my report and almost had a heart attack! Thank you so much !!!
Mary

Mary

Joined: 06 Jul 2006
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17420 Magic Points

 
Posted on Wed Mar 18, 2009 10:54 am  

Hi
Nice to here from you. Since you were not under insurance cover at the time of injury, the insurance company is not liable to pay off your medical bills. So it would be better if you come to a repayment plan with the creditor any try to pay it off.
Would you care to explain me that when you got enrolled for the MSI program after the accident, did the insurance company promise you in writing to pay for your accident that have already occurred?
scott

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Joined: 28 Jun 2006
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10890 Magic Points

 
Posted on Wed Mar 18, 2009 11:04 am  

I agree with Mary. But if the medical bill was for 2002, it means that it has been seven years with the debt and the SOL on the debt might have expired. If the SOL on the debt had expired, then you need not make any payment on the debt and the creditor cannot legally sue you to recover it. Now, if the SOL on the debt has expired and you make even a small payment towards the debt, the SOL restarts and the creditor again gets full right to recover the debt.
Can you tell me the state where the you had your operation, so that I can help you out whether the SOL has expired or not?
SOL varies from 3 years to 10 years depending upon the state you have signed the loan agreement.
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SCOTT

Use your credit account responsibly and enjoy a debt free life.
Scooter
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Subject: knee surgery
 
Posted on Wed Mar 18, 2009 2:15 pm  

First, thank you so much for helping out on this, it's greatly appreciated. As to the question Mary asked - the MSI program that agreed to help me (stands for Medical Services for Invlalids) was suggested to me by a friend after the injury. I went to a local hospital and filled out the paperwork and then they sent me to get MRI's and then the operation and told me that the surgery was covered by this program. As to Scott's question - i am in California and hopefully the time frame you mentioned is 7 years. Thank you again, you guys are great. Scooter
Scooter
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Subject: MSI
 
Posted on Wed Mar 18, 2009 2:17 pm  

MSI stands for Medical Services for Invalids (not invlalids) sorry! Wink
Scooter
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Subject: Update
 
Posted on Wed Mar 18, 2009 5:29 pm  

After doing more research, I've discovered that it was the hospital where the surgery was performed that put this $25,682 on my credit. The doctor was paid almost immediately by MSI. I've also learned that the time limit in CA is 7 years from the time the acct. went to collections which means that i have to wait atleast another 18 months before this drops off my credit OR make arrangements to pay the collection agency for a debt that I should not be responsible for in the first place. They really have me by the ----, what do i do???
Jessie
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Subject: Hospital bills
 
Posted on Thu Dec 17, 2009 9:52 pm  

Hello I was reading about the hospital bill and the same thing happened to me i habe a 30,000 hopital bill. Wealfare cut off my insurance without any notice but within the ninety days the insurance was put back on, the social worker did not report the bill that was given to her and it was put in my credit. Years later Philadelphia legal services proved to Harrisburg that they were supposed to pay this bill but the credit agency wont return the information that they ask for. What should i do ????[/i]
fireyone



Joined: 26 Feb 2008
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95 Magic Points

 
Posted on Fri Dec 18, 2009 5:16 pm  

Jessie, I would call Philly legal services and see if they can help resolve this matter. also did you dispute this with the buraues? How about any documents to prove that Philly legal got it straightened out/ If so I would include that fact and documents in my dispute.
Justin

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28944 Magic Points

 
Posted on Sat Dec 19, 2009 6:51 am  

HI jessie,

I think Firey is right. You need to dispute it with the bureaus while providing proof to them that things were already cleared between you two. Write a dispute letter to the bureau and send it through certified mail.
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Justin
sdchargers_63

sdchargers_63

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Subject: credit
 
Posted on Sat Dec 19, 2009 10:09 am  

Hey, JESSEE...can you ask the Asst Office to write you, a letter, as well...just so you have another document 'in your favor'? I had something similiar happen to me. I had the Access Card for Medical Insurance, at one time. To make a long story short (I'm not really sure what happened , myself). Anyway.....I had to go to the ER and when they turned it over to the Insurance I had, it was 'denied'. Some 'glitch' with the sysytem, etc. It went right on my credit. I DID get a Supervisor to write a letter, stating what happened.
fireyone



Joined: 26 Feb 2008
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Posts: 4246



95 Magic Points

 
Posted on Sat Dec 19, 2009 2:35 pm  

Thats not a bad idea either. I would imagine the assistance office would help. You should have a case worker since you are recieving state benefits. Why not schedule and appointment with your worker and sit down and discuss this matter. He or she may know how to get the ball rolling from right inside the office. I would still get out that dispute letter (by cert. mail) thats your wuickest way to get this off your record.
Todd
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Posted on Wed Dec 08, 2010 10:23 pm  

Why not pay your obligation to the medical service provider instead of trying to "get out of" a valid debt.

By the way, MSI stands for "Medical Services Initiative"; it's for indigents.
nelly215
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Posted on Fri Nov 04, 2011 7:31 pm  

Hello, in 2007, I found out i was pregnant. I was in school, so i decided to do another semester before i had the baby, but i ended up having the baby early while in Erie PA. I had insurance in Philadelphia, but I was out of the network, so I have about $30,000 in medical bills.

Is there anyway I can fight this? I don't have $30,000 and I need to take out school loans.

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