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Old 05-22-2009, 01:51 PM
 
Location: Charlotte, NC
2,193 posts, read 3,195,724 times
Reputation: 1057

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My husband never paid a $50 medical bill so it went into collections. Do I just pay off the collections or pay the hospital directly?
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Old 05-22-2009, 02:02 PM
 
1,955 posts, read 3,311,945 times
Reputation: 1044
They sent $50 to collections?

I would contact the hospital about it first. They tend to be nicer than collections folks...
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Old 05-22-2009, 02:10 PM
 
21,596 posts, read 36,543,631 times
Reputation: 10637
Collection company "owns" the debt in most such cases. If you pay the hospital they will mail that to the collection company as the collection company probably already gave the hospital $10 or less to try and hound it out of you...
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Old 05-22-2009, 03:38 PM
 
Location: H-town, TX.
2,039 posts, read 2,417,966 times
Reputation: 1039
The hospital has nothing to do with it, so just make it easier and let the collections folks have the money.

If somehow your payment gets lost before it gets to the collector, you're out $50.
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Old 05-22-2009, 04:17 PM
 
Location: Alaska
5,154 posts, read 9,376,284 times
Reputation: 3496
Before paying, make sure they haven't messed with your credit reports. If they have, you need to ask for a delete letter to remove any derogatory information they may have placed. Once you've paid them, they'll have no incentive to remove it.
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Old 05-22-2009, 05:04 PM
 
333 posts, read 962,499 times
Reputation: 115
Someone added $33 in collections to my credit report and I am pissed off!!!!!!!!!!!!!!!!!!! Good Idea about the delete letter. I am going to inquire about that.
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Old 05-22-2009, 06:46 PM
 
Location: Raleigh NC
93 posts, read 407,758 times
Reputation: 65
For medical bills, do not pay the collection agency! Pay the hospital directly, then dispute the collection with the credit bureaus.
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Old 05-22-2009, 09:41 PM
 
Location: Houston, Texas
10,427 posts, read 29,671,046 times
Reputation: 9639
Quote:
Originally Posted by chet everett View Post
Collection company "owns" the debt in most such cases. If you pay the hospital they will mail that to the collection company as the collection company probably already gave the hospital $10 or less to try and hound it out of you...
You are correct that the collection agency owns the debt because they they buy these debts for 10 to 20 cents on a dollar. The hospital is out of the picture. I do not agree that if you mail the money to the hospital that they will send it to the collection agency. They will pocket that money and laugh like you never heard anyone laugh. It will be then up to you to fight to make it right. And you will lose.

$50? Sorry but my answer is to tell the collection agency what you think of them using words that are not allowed on this forum. What are they going to do......spend hundreds in legal avenues to collect $50?

If you wish to play Ms Honest you have to call the collection agency and ask them to make you an offer. Many times they say FU but sometimes they will say gime $30 and call it even. Hey they bought the debt for $5 to $10 so they are making out. If they play hard ball then say that is your final offer and FU then hang up. Your phone will ring back in less then 5 minutes.
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Old 05-22-2009, 09:44 PM
 
Location: Rockland County New York
2,984 posts, read 3,657,732 times
Reputation: 1257
If they went after you because of a $50 debt they really must be hurting!
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Old 05-22-2009, 10:16 PM
 
Location: Apple Valley Calif
7,376 posts, read 11,814,710 times
Reputation: 4974
Quote:
Originally Posted by Stac2007 View Post
If they went after you because of a $50 debt they really must be hurting!
Not true..! They will go after you for a penny, even if it costs them hundreds to do so...
Their theory is, let one sucker get away with something, then they all will try...
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