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Hospital said I owed debt. Contested claim with debt collectors. Never saw it again and not on my credit report. Know a few people who've done this.
by beaeglebeached 3y ago
Hospital said I owed debt. Contested claim with debt collectors. Never saw it again and not on my credit report. Know a few people who've done this.
- tlivolsi 3y agoMy friend did the same thing.
- Turing_Machine 3y agoWhile not great, things are a little better in this area than they were a few years ago. 1) Even if it goes to collections, a medical debt won't appear on your credit report for a full year. 2) Medical debts less than $500 won't ever appear on your credit report. 3) If you pay the debt off later, the entire thing gets expunged from your credit report (i.e, rather than showing you had a debt that went to collections, and then was paid off, it's like the whole thing never happened). These things only apply to medical debts, though, not normal consumer debts. (edit: list formatting)
- paxys 3y agoEvery single debt should be contested. "Oh but I know I owe this". How do you know you owe it to that specific collector? Can you be sure it wasn't sold twice? Can you be sure the company didn't already write it off? Can you be sure that paying it means it'll actually be marked paid in their system? The entire debt collection industry is a mess, and only the absolute worst players operate in it. If you try and stay honest and moral you will be taken for a ride.