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Started By
Message
Disputing a charge from a debt collection agency.
Posted on 4/26/23 at 9:28 pm
Posted on 4/26/23 at 9:28 pm
Today my wife got a letter in the mail from Receivable Recovery Systems LLC located in Metairie.
The debt we’ve been sent to collections over is for a whopping $10.50. The letter claims we paid $1,119.50 toward a hospital bill from Singing River Health Systems, but the total bill was for $1,130 so we still owe $10.50.
Neither me or my wife remember receiving any medical bills in the mail especially for that small amount of money.
I don’t want my credit to be screwed over $10.50. Has anyone had success disputing one of these before?
The debt we’ve been sent to collections over is for a whopping $10.50. The letter claims we paid $1,119.50 toward a hospital bill from Singing River Health Systems, but the total bill was for $1,130 so we still owe $10.50.
Neither me or my wife remember receiving any medical bills in the mail especially for that small amount of money.
I don’t want my credit to be screwed over $10.50. Has anyone had success disputing one of these before?
31
Posted on 4/26/23 at 9:30 pm to Requiem For A Dawg
Posted on 4/26/23 at 9:34 pm to Requiem For A Dawg
Why not pay it.
Posted on 4/26/23 at 9:36 pm to Requiem For A Dawg
quote:MS Gulf Coast operation in bed with Ochners. Maybe you got liquored up one day and visited one I’ve their joint clinics?
Singing River Health Systems,
They are being bought out by Our Lady of the Lake. So perhaps the nuns will forgive you.
ETA: Or just pay it, ya deadbeat.
This post was edited on 4/26/23 at 9:38 pm
Posted on 4/26/23 at 9:36 pm to Requiem For A Dawg
Medical debt under $100 is ignored on your credit report.
Posted on 4/26/23 at 9:37 pm to Requiem For A Dawg
Don’t pay it. We had something similar over a 2 dollar and change bill nothing happened
Posted on 4/26/23 at 9:38 pm to Requiem For A Dawg
They passed something recently saying medical collections under $500 won’t be included on credit reports anymore. You can respond if you want (google collections dispute letter for samples), but I would throw it away.
Posted on 4/26/23 at 9:40 pm to Requiem For A Dawg
Did your wife actually receive medical care, or do you not know where this charge came from?
Does she have health insurance, and if so were these covered medical expenses? If uninsured, was she provided a GFE?
Does she have health insurance, and if so were these covered medical expenses? If uninsured, was she provided a GFE?
Posted on 4/26/23 at 9:42 pm to Requiem For A Dawg
If it’s worth $10.50 to never have to think about this piddly stuff again, pay it and be done.
Posted on 4/26/23 at 9:43 pm to Dandaman
quote:
Why not pay it.
I don’t mind paying it, and I plan to. My main worry is that since it has already been sent to a collection agency, my credit is about to tank over $10.50.
Posted on 4/26/23 at 9:44 pm to Requiem For A Dawg
quote:
Disputing a charge from a debt collection agency.
we just got a letter stating we underpaid by $9.50
i asked the lady at hospital if it was a bill because it didnt say it was a bill or how to pay it.
she stated that no, no one sends bills for amounts under $25, because its not worth the trouble to process them.
she said they just write stuff like that off and you dont have to pay it.
Posted on 4/26/23 at 9:45 pm to Requiem For A Dawg
It takes a while for medical debt to show up and anyway as of this month Equifax, TransUnion, and Experian are not going to show medical debt under $500 on credit reports. However, idk if that applies to medical debt bought by a collection agency.
Posted on 4/26/23 at 9:45 pm to Requiem For A Dawg
If you want to pay it, contact the provider directly. Don’t pay the collection agency.
Posted on 4/26/23 at 9:49 pm to RT1941
quote:
If it’s worth $10.50 to never have to think about this piddly stuff again, pay it and be done.
I think I must’ve done a bad job explaining myself in the OP. I’m not worried about the $10.50 charge. What I’m worried about is this $10.50 charge negatively affecting my credit.
Posted on 4/26/23 at 9:52 pm to Requiem For A Dawg
If it’s the 1st letter you’ve received, then it hasn’t been reported . Call them and ask what it’s from. It’s probably legit and just a small balance left over. Pay it and put it behind you.
Posted on 4/26/23 at 9:54 pm to KyleOrtonsMustache
quote:
idk if that applies to medical debt bought by a collection agency.
I don’t think collectors that buy debt can even report it to the credit agencies. They don’t hold the original debt.
Unless you pay it. That acknowledges the existence and validity of the debt.
Posted on 4/26/23 at 9:56 pm to Requiem For A Dawg
Offer them $1.50 if they will simply NOT report it at all to any Credit Reporting Agency. They only pay about 3% of the debt amount to buy the account anyway.
Posted on 4/26/23 at 9:56 pm to Requiem For A Dawg
If you owe 10.50 then pay them. I would personally send it to them in mixed change but that’s me. But don’t pay 1 cent more.
Posted on 4/26/23 at 9:59 pm to Requiem For A Dawg
I’d write back saying that you have been worried about being punished because of your good credit history and thank them for helping you for not having to pay more for your mortgage.
Posted on 4/26/23 at 9:59 pm to TomJoadGhost
quote:They buy the accounts usually in a legal fashion that they literally assume all rights including terms of credit which allows them to legally report. (allonge, assignment, etc.)
I don’t think collectors that buy debt can even report it to the credit agencies. They don’t hold the original debt.
ETA: I worked a couple years for the world's most profitable debt collection agency and another couple with an attorney whose main line was collecting debts (the latter was also a state senator at one time). Then I spent a decade mainly performing loan documentation for a couple of banks.
This post was edited on 4/26/23 at 10:06 pm
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