5 ms·

Here is my recent experience that is not my fault. I received a bill from two ago. The provider decided to report me to a collection because they filed an incor

Here is my recent experience that is not my fault. I received a bill from two ago. The provider decided to report me to a collection because they filed an incorrect claim. This was a nurse assistant portion of the urgent care bill. Everything else was covered but this bill was not filed correctly. The insurance won't cover because it is old bill but I am still on the hook. I wasn't even aware of this bill existed till I received a call. The bill is 3x times higher than what insurance would pay. I am totally under the billing gun and I am forced to pay otherwise they will ruiny credit.

computerex 3y ago
> I am totally under the billing gun and I am forced to pay otherwise they will ruiny credit. That's not how it works. You should have disputed the debt. If it was a billing mistake then you technically don't owe the money, and the charge should have been disputed. Get yourself an attorney, their fee to make the negative reports go away could be less than the bill.
- 8note 3y ago
  > their fee to make the negative reports go away could be less than the bill. That is to say, somebody else screwed up and now you have to pay money no matter what.
- nocsi 3y ago
  All an attorney is going to do is write letters disputing the debt to the three agencies. The reporting collectors have a window of time to prove it. Otherwise it gets taken off your report. Sometimes the debt moves across so many middlemen that the holder never even receives the request and the debt gets erased.
ars 3y ago
If the bill is so late insurance won't pay, you are also not required to pay. Threaten to report them to your state if they don't cancel the bill. Next get your credit report and file a dispute that that part of it is inaccurate. The vast majority of the time it just gets removed because the biller can not be bothered to submit the needed documentation. If they sent it to collections that's even better - just call the collection company and tell them it's wrong, and give them a long complex full explanation of why. They will drop the bill immediately - it's not worth their time to fight you.

computerex 3y ago

> I am totally under the billing gun and I am forced to pay otherwise they will ruiny credit. That's not how it works. You should have disputed the debt. If it was a billing mistake then you technically don't owe the money, and the charge should have been disputed. Get yourself an attorney, their fee to make the negative reports go away could be less than the bill.

8note 3y ago
> their fee to make the negative reports go away could be less than the bill. That is to say, somebody else screwed up and now you have to pay money no matter what.
nocsi 3y ago
All an attorney is going to do is write letters disputing the debt to the three agencies. The reporting collectors have a window of time to prove it. Otherwise it gets taken off your report. Sometimes the debt moves across so many middlemen that the holder never even receives the request and the debt gets erased.

ars 3y ago

If the bill is so late insurance won't pay, you are also not required to pay. Threaten to report them to your state if they don't cancel the bill. Next get your credit report and file a dispute that that part of it is inaccurate. The vast majority of the time it just gets removed because the biller can not be bothered to submit the needed documentation. If they sent it to collections that's even better - just call the collection company and tell them it's wrong, and give them a long complex full explanation of why. They will drop the bill immediately - it's not worth their time to fight you.