Subject: How do I get past medical bills that I know where paid taken
Tue Mar 09, 2010 5:20 pm
In December of 08 I paid off all of my medical bills through Alliance One and NCO-Medclr. There were bills on my credit report from each company that were for the same amounts that I was assured were not the same bills but only the same amounts. Now I am showing that the doubles of these bills that are threw NCO are still not paid and still showing not paid. I feel as though I am being ripped off and over paying NCO for god only knows what reason. When I call NCO and tell then about it I am placed on hold for sometimes an hour at a time transferred to someone that they say can help me and then placed on hold yet again!!!!
If you have a medical billing dispute, you should contact the health care provider make sure they have all of your medical insurance billing information. You will want to write a letter to the medical insurance company as well. Follow up with phone calls and forward copies of any paper work they may need.
You may also find yourself disputing with the collection agency for the medical provider and the credit reporting agency as well.
Medical bills are considered open end accounts, they have a the same statute of limitations as a credit card type of account and can only remain on the credit report for 7 years from the initial date of default leading to the charge off.
You can also try contacting a customer service rep for the credit reporting agencies and telling them that you think an account on your credit report has been doubled, and if they could remove the duplicate reporting.
If it is a duplicate it should show the same open date for both accounts, and show the same account number.
It is possible that both charges resulted on the same day.
If you don't have customer service dispute number, you will need to order a credit report 1st from the credit reporting agencies. Specifically a hard copy by mail. I know them reports definitely have the phone numbers.
If you have the proof of your payment you can use it to dispute the item off your credit report. First try disputing it with the companies that are holding the dues. Attach the proof of your payment with the letter. If they do not comply, you can try disputing it with the credit bureaus. Along with the letter to the credit bureaus, you should attach the proof of your payment. Contact information and address of the credit bureaus:
P.O. Box 1000
Chester, PA 19022
P.O. Box 740241
Atlanta, GA 30374-0241
Your personal details (name, email address and phone number) will be delivered to the company advertised on the Creditmagic after ve agreed to go for the counseling session by filling out the no-obligation form. However, it is your discretion to accept or reject their services.
Not all the creditors/debt collectors agree to trim down the outstanding balances, interests, and fees payable by the consumer.
Consumers working with the debt relief companies can still be sued by the creditors/collection agencies.
Debt relief services may have a diminishing effect on the creditworthiness of the consumer. The total outstanding balance may increase as the additional fees get accrued.
The overall amount saved by the consumer through the debt relief services is considered as taxable income by the IRS.