Category: Medical bills

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My husband and I have been having the same problems that you are having, so I feel for you. One suggesting that I do have is to call either the hospitable or were the billing is coming from and ask to speak with a supervisor or manager. I’ve worked in customer service for 6 years, and there is really so much that they can offer you and the secret to getting what you want is to speak people who have more control. Explain your situation to them and if they tell you that you still have to have a $120 payment a month, ask to speak with their supervisor or manager. Don’t give up until you get what you want.

Make sure that you never give a verbal or written okay to set up a high payment plan. If you are sending in payments, they have to except your payments. Also, make sure that you document every call that they make and tell them to note your file that you called. I have noticed that these medical collections lack communication. For example I just recently called to check on some of my payments that I sent, and let the lady know I am sending in another payment. The next day, they called and asked when a payment would be made.

Another note, I do know that medical bills are looked at last by creditors. However, if you are denied credit, go back to your records and supply them with all the information in writing. Let them know that you were making payments and give them all the documentation that you were trying to solve the situation. But just keep sending in payments as you are and keep fighting. They will give in. When I speak with them, I always ask/tell them when they say they can’t except less than a large amount, I can either send nothing or $25, which one do you want. Make them choose, and don’t be afraid to be stern with them or the Credit agency and remember, if you don’t like the answer from them, asked to speak with someone else.

Happy Veteran’s Day!

I have a hospital bill from where my daughter was in there last year for almost 2 weeks that is about $1,500 now left to pay. At first, the company handling their accounts said I could pay $25 a month minimum, so I did (that was before I got the phone tape recording device). Then I got a letter saying it is their policy for me to have it paid off in 12 months and I told them I couldn’t pay that much right now since I have so many other medical bills I am paying on. They wanted something like $120 a month! That is a big jump from what I was previously told! They also told me they couldn’t take smaller payments, so now they turned me in to the collection company and I have 2 weeks before it goes on my credit report. The credit agency told me that I would have to pay $140 a month and they don’t even accept less, even though it would still be on my credit report!

I talked to my husband about just getting a bad credit installment loan from MtpLoans or PersonalMoneyService for the amount to avoid it going on the report, but he doesn’t want to take out another loan. He says just pay them what you can and forget it, but I’m concerned they’ll not cash my checks if I send less and they might take me to court or something. Also, I’ve cleaned up my credit report (it’s not perfect…but much better) and now I feel this will be a blemish for the next 7 years. My husband says creditors won’t look much at a hospital bill.

Can they actually refuse payments of less than what they are requiring? Also, do creditors actually overlook hospital bills to an extent? If we did get a loan for it, the interest would probably be really high.

Suggestions…?