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Rights and options concerning medical debts

Can debt collectors request copies of my credit reports?

Medical bills fall under the Fair Debt Collection Practices Act because they meet the definition of a “debt:” a consumer’s obligation to pay money arising out of a transaction in which the money, property, insurance, or services are primarily for personal, family, or household purposes.”  This legal conclusion gives you rights and options with regard to your medical debts.

Medical debts and charges are amongst the error filled consumer debts, making them ripe to dispute under Fair Debt and Fair Credit laws. These laws turn the tables on medical bill collectors and reporters, possibly netting you thousands of dollars in the process. If a medical debt you dispute in any way is on your credit report or being collected, contact a FREE consumer protection attorney and see if you are entitled to compensation.

Medical Insurance:

There are two common misconceptions about medical insurance:

  1. You think your insurance company is responsible for paying your medical bills and,
  2. You think medical providers are required to bill your insurance company.

The truth is consumers are responsible for their own medical debt. You therefore must ensure their insurance company is billed in a timely manner and billed correctly. It also means you must follow up in a timely manner to ensure the medical bill gets paid.

As a convenience most medical providers will directly bill your insurance company. Accepting their offer does not relieve you of financial responsibility however. And it’s not uncommon for medical providers to submit medical bills after an insurance company’s deadline for filing. In some cases the provider may, for a number of odd reasons, not submit the medical bill at all. Further, your insurance company may reject the bill or flat out refuse to pay.

Regardless of the reason, the bottom line is that you are still responsible for paying a medical debt unless you dispute it. It is not the medical provider’s concern that your insurance company did not pay your debt. You may therefore have to argue with your insurance company to get the bill paid. You may also have to pay the provider yourself and then work with your insurance company to get reimbursed.

Submit your information to a FREE* Fair Debt Case Review if you believe a a medial bill is being collected wrongly or you believe you are a victim of illegal or unfair debt collection practices.

Medical Bill Disputes

Medical bill disputes arise when you have old medical debts that you consider invalid; such debts can be disputed just like any other debt.

And just like any debt, interest can be added to medical bills IF the original contract or paperwork allows it AND your state law does not prohibit it. Always read the medical provider paperwork (contract for services rendered) carefully! And ALWAYS check your state law to make sure you are not being overcharged. Some states limit the amount of interest and the amount of collection fees.

Statute of Limitations on Medical Debts:
Medical debts are generally considered closed-ended credit contracts with a definite pay-off time limit. Unless you have a separate agreement medical debts are usually payable at the time services are rendered or in some cases within 30 days. Check your State’s Statute of Limitations (SoL) before you pay anything or simply ask a free consumer lawyer if the debt is even collectible.

My medical provider failed to bill my insurance company, am I still responsible for the debt?

Some common myths:

1. Medical providers are required to bill your insurance company.

2. Insurance companies have to pay your medical bills.

The truth is, you are responsible for paying your medical debts. Now, if you happen to have medical insurance, AND the insurance company receives the medical bill in accordance with its stated requirements AND the medical service is covered under the policy, then and only then is the insurance company responsible for paying the debt. Pay special attention to the words, “receives the medical bill in accordance with its stated requirements” because this is what gets people into trouble more often than not. As a convenience, most medical providers offer to bill your insurance company. However, accepting their offer does not relieve you of the responsibility of ensuring the medical bill gets paid. It’s not uncommon for medical providers to submit medical bills after an insurance company’s deadline for filing. In some cases, the provider may, for a number of odd reasons, not submit the medical bill at all. Regardless of the reason, the bottom line is that the consumer is still responsible for ensuring the insurance company “receives the medical bill in accordance with its stated requirements”! In some cases, your insurance company may reject the bill or flat out refuse to pay. The fact that your insurance company did not pay is not the medical provider’s concern! The medical provider has the right to expect you to pay the bill in a timely manner. You may have to argue with your insurance company and even go through dispute resolution but while you’re doing that, the medical provider is still entitled to timely payment. The best thing you can do is communicate with your medical providers to let them know you are working to resolve the issue. In the end, you may have to pay the provider yourself and then work with your insurance company to get reimbursed. Always read the medical provider paperwork (contract for services rendered) carefully!

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  1. Recently as I left one job and went to another I was without healthcare insurance and had to visit an emergency room for 9 staples. I received a bill from the hospital but never got one from the treating physicians group. I received a letter from Trevor Solutions In another state that was vague about who they represented. I contacted them and they said they could not give out information about the group they represented as it would be a HIPPA violation then proceeded to ask me all sorts of questions. I was not comfortable giving important information to some by phone as they were not forthcoming about what the reason for contacting me was. I soon started receiving phone calls and tried returning them but never could reach an agent even though the automated answering system stated their hours of operation. I eventually got a third and final warning letter with a law firms emblem on the top stating it was my last opportunity to cooperate by rendering the required information. I then contacted Trevor Solutions and tried to ask them for an itemized bill of the debt I owed. The agent claimed he didn’t have to send me one and I asked how much he would accept that day to stop the calls and he claimed he wouldn’t accept payments. when I asked how I was to pay for the debt he answered they would go to collections. I eventually got the physicians group, Schumakers Doctor Group to send me an itemized bill which I received at about 72 days after treatment. They were puzzled as to why I never was sent a bill as Trevor Solutions was to work on the subjugation of charges with me. The hospital bill had some double and false charges that I was able to dispute in person but the people I am to dispute the physicians group bill with is Trevor Solutions who says they cant share information with me and doesn’t have to send a bill to me and while they wont take any payments from me will collect through their in house lawyers. I still have 22 days to file a dispute about the bill the treating doctor has filed with his physicians group and have concerns about how to prevent this from going to collections as it seems to be the path Trevor Solutions wishes to take. Any help or advice on this matter would be greatly appreciated. I await your response and thank you for your time

    • Amongst the vast array of credit charges consumers incur, medical bills are amongst the most inaccurate and ripe for dispute. And if charges are deemed inaccurate, or validation processes not followed, medical bills turn into FDCPA cases that can earn consumers up to $1,000 or more, plus a lawyer at no charge to the consumer. Now even though everyone would like collections to be perfect, they are not, and the this consumer protection law was enacted to be used. Learn info on disputing debt collections here or just hire LawCent to perform all your debt collection and credit report disputes for as little as $20 a month. If you aren’t satisfied with the services, cancel before you pay the prior month’s bill — even after they send the disputes! Sign up through this site and pay One Cent to hire the LawCent legal team. Learn more about LawCent.

  2. My insurance company didn’t pay claims for a good period of time because it said I had 2 insurance companies, after I submitted prof I didn’t they said they would pay the bills, I have over 20 accounts in collections because they never paid them, when I called they said they were suppose to be paid back in June of 2014. I was denied credit because of the collections. What can I do?

    • Give us a call we would be happy to have an attorney review this situation and provide a free no cost no obligation case review. 888-595-9111

      • Can you tell me the NJ S for a doctor charging fees for services not rendered? I know there is an actual law because I had a dentist do this same thing to me for a missed appt, it illegal for a doctor to charge a fee if you can’t make an appt, but they believe if you did not cancel or call them in time they have legal rights to bill you for services not rendered nor an agreement signed by you that you agree to pay this fee, I just can’t remember the law. Thanks

  3. I know there is a limit on the time a doctor must submit a bill to the insurance companies but is there a time statute on how long after insurance pays before doctor can send bills for copay? If an ins co pays within 60 days shouldn’t the copay be billed to pt immediately not nine months later?

  4. Similar to Fran’s question dated 5/28/15….How about receiving a bill for an additional co-pay from the provider EIGHT YEARS later?

  5. So my daughter had to have emergency surgery in March. I was diagnosed with breast cancer at the end of April. We now owe money to several different medical facilities.
    I have one facility that does not want to work with us on the repayment plan because we make to much money. I have explained to them that I am going to be out of work for a number of weeks possibly months so our income is going to be substantially less and I don’t want to commit to something that I will ultimately default on.
    I just want to know what my rights are when it comes to repaying. Am I required to pay what they demand or am I legally able to pay what I can?
    I don’t want this to go to collections but I just can’t pay what they are demanding. As it is I have been out of work for 2.5 weeks this time around.

  6. It is 7/06/2015, doctor’s office is try to collect for bills from 2011 and 2012. As far as I know they were paid.

  7. hi i was sued by a hospital listed as plaintiff on case i called hospital and they sent me a itemized bill for the 9 accounts that had all a zero balance and a bad debt write off listed. i have a letter from plaintiff aka hospital stating i owe them zero dollars its my understanding of the law that company suing me a collection agency is false representing themselves and it should be fraud and thrown out of court due to a number of reasons i even have to send the check to them and i am not allowed to pay hospital that is plaintiff. if i am being sued for a debt that a collector has bought or picked up i have to be sued by that collector is this not true?

  8. My husband just passed away after several years of being ill. I have a collection company telling me I am responsible for his medical debts that were not covered by insurance. I live in Colorado. Does anyone know if I am legally responsible.

  9. I have a few medical collections bills on my credit report from a hospital visit. I never received an itemized bill, only bills from collections agency. The hospital/medical office is closed and they filed for bankruptcy. Am i still liable for the bills to the collection agency?

  10. Hi, I am a resident of Ohio and in 2011 I was vacationing in Florida. I had recently been diagnosed with adult onset diabetes and had an issue that required immediate attention. At the emergency clinic I provided proof of insurance and a photocopy was made of my insurance card. Treatment was rendered. I never got a bill from the clinic. I did, however, get notice that my insurance had paid the ER room charges. Some time later I was contacted by collection to pay the physician’s bill because I had fraudulently told them I was a Florida medicaid recipient. THey had billed medicaid and it was denied. Still, I had not received any billing on these charges and was unaware they were due and owing. I contacted the physicians providing the service and after negotiation was told that the debt would be discharged because it was their error that medicaid was billed and the time to submit to my insurance had expired. The physicians group accepted the responsibility and was to have discharged the debt. All of this was communicated to the collection agency. THey were aware that the debt was discharged. Now, I have been contacted again by the same agency attempting to collect this debt and from someone who says he is an attorney and will be pursuing this legally. Unfortunately, I don’t know where the paperwork is that documents this discharge of debt!!!!!! I believed it was over and done. What are my options. My insurance coverage had been with the same provider for many, many years and they had stated that if the claim had been submitted timely it would have been paid. Additionally, I know the correct information had been submitted because the hospital facility was paid …..

  11. I have several outstanding medical bills turned over to collection agencies because I filled for and won my disability claim. Originally my Medicare part A and B were 3/15 and 9/14. I made a deal with Medicare to pay 6 months back premium for coverage for both parts to be effective 9/14. Many of my health providers are refusing to refile the claims because they have been turned over to collection agencies and some of the agencies will file but some will not. I do not have the resources to pay the collection agencies. The claims would be paid if they were refiled. Do facilities that contract to accept Medicare not have the obligation to file the claims for patients with Medicare? Please advise.

  12. a third party collection agency is charging interest on my medical bill when i never agree while receiving services at the hospital for any interest rates. can the debt collector charge me interest on my bill when i never agree at the hospital or signed anything stating this. i leave in california

  13. I received a medical bill this month for the delivery of my son. The bill is 19 months after delivery. Upon contacting the insurance company, I learn that the insurance company received a claim two weeks after delivery. The company paid their portion two days later. The hospital did not send a bill for the remainder due until 19 months later. I have contacted the hospital and they are blaming it on a computer issue. Please help!

  14. I live in Spring Hill, FL. Back on 12/28/14 I took my infant daughter to the ER. At the time I had thru work a Humana HSA Health acct with a $12,000 deductible. Upon leaving the hospital I explained to the clerk that I wanted to pay the entire bill or what is contracted thru my Humana HSA, (I paid $496.00) as not to recieve any surprise bills later on. Fast fowrd to 10/17/2015 I receive a bill dated 12/28/2014. When I called they told me that this was the charge for the Dr (I didn’t see the Dr I saw a nurse practicioner), and that what I paid that day was for the ER visit only. They also explained that it was sent to my Ins but was kicked back because it was applied to my $12,000 deductible and that I sould have been told, that I would receive a separate bill for this. The bill is for $524.00. I don’t agree with this practice of not being told anything and receiveing this bill almost a year later??? Do I have any options? Either disputing, not paying, or paying a less amount. Thank you!

  15. I just received a statement for $800 worth of medical bills that are 2 years old. The physician’s office never sent bills before now. Am I obligated to still pay 2 years later?

    • Hi – Did you ever get an answer to this? We just got billed over $500 for a procedure more than 2 years ago.

      • Same here. My daughter broke her wrist in September of 2014. The insurance paid their “contractual ” adjustment on 1/23/15. We received a bill yesterday for $323! Its been 23 months! Are we responsible for this!

  16. I had a back surgery and after 6 months my surgeon referred me to a physical therapy, I went to this location referred by my friend and i asked them if they are Tricare network, and they said they are in network, so i did my 10 session and after my 10 session they sent me a bill that i had to pay my copay, as a tricare holder for years I never had to pay out of pocket any copay since tricare pays majority and the network provider will adjust to the portion if tricare pays shorts. so they billed me $280 and I refused to pay and they sent me to collection and now i received a court letter that they are sued me for $280 fee plus additional interest and attorney’s fee of $200 it end up costing $600

    what should i do..??

  17. In August 2006, I got hurt at the local Fair inTennessee where I live. I fell into a trench that had been dug for an electrical line 3 YEARS earlier but was never filled in properly. Yet the Fair and the City choose to have their exhibitor’s parking in this field where no one could see the trench (went up to my waiste.) I sued for getting hurt and for my medical bills. In November of 2008, we settled out if court. The lawyer got her 33% up front. I got a good portion of the remaining money, but the money set aside for the medical bills were put in a bank account at my lawyer’s bank. There has been no suits against me for said medical bills. Lawyer is saying I have to wait until November 2016 in order to obtain the remaining money from the suit. I was on the understanding that I could get the money 8 years after the bills we’re incurred. Now I’m being told It’s 8 years from the time the law suit was settled all the while the lawyer is drawing interest on my money. It takes me 2 to 3 weeks to get someone on the phone at my lawyer’s office and keep not getting a straight answer. In Tennessee, when can a medical bill collector no longer take me to court and when should I have access to money set aside for said bills?

  18. I have a past due bill of about $750 with an old family doctor and received a past due notice with a notice to send to collections by December 20th 2015. I spoke to the billing company back in mid December and she said that if I had a dispute, which I do, to contact the doctor. His wife does the accounting and I have left several messages with her and voice messages on the doctor’s cell phone and office phone. Each message, I asked the doctor to call me back so that I can take care of my bill. He has not called me back in 3 weeks. What are my rights?

  19. I just called to make my appt with an ob dr that delivered my son in 2008 and performEd my hysterectomy in 2009. Her office staff stated she could not make my appt due to the fact that I have a collection balance. Which I had no knowledge of. I had two insurances at the time of my procedures. She said insurance didn’t pay everything. And I would have to agree to pay at least 100.00 at time of service or she could not make my appt. She put me on hold and said she would be back she would ask the credit manager if it was okay to make my appt without me agreeing to pay at least 100.00. I have been off work since before Christmas and now I may need another surgery. Now she says I will have to wait until Monday and she will call me back. She can’t make my appt yet. She couldn’t get a hold of her. I told her I had two insurances then. And I have two now. She still can’t do anything

  20. I have been contacted by our family medical centers billing dept about past due funds. I was told that any upcoming appointments at the clinic for my child who is asthmatic and under a 5 year environmental allergy treatment. They stated that unless the $30.00 owed was paid in full he will not be seen by the physician. Is this legal? I have the 30 dollars and would have gladly paid it had they not presented this in a manner of a threat. I basically told them what they can do with themselves. I am furious and this has left not feeling well at all.

  21. quick rundown. supposedly failed to pay a debt from a medical infussion. The debt was sold to johnson Mark LLC. They have contacted us and asked for payment. We agreed to pay $50 per month on the account. They continued to contact us and tell us they want us to pay more. Our budget can’t handle that was our reply. They threatened lawsuit or legal action if we didn’t pay more. We told them we are willing to pay but it will take time as we have this amount that is available to do so. They have now filed a lawsuit. The plaintiff is a company we have never heard of (not the medical company) and the only date stated is the date in which this plaintiff obtained the debt from the medical company. This date is almost at the sol and I believe is well past it if based on time of service and last payment to original debtor. Summons is State of Utah, no case number, no judge, marked at the bottom is the note “This communication is from a debt collector. If you wish to resolve this matter please call Johnson Mark LLC at 801-285-5700. Ref# xxxxxxx.

    Any advice welcome. Interested in initial consult and possible representation.

  22. I reviewed a call and a bill from a doctors office dating from 2008-2009. No payments have been made to them. The last ipayments from me and the insurance company was in 2009. Am I still obligated to pay this bill? Can they sue me for this?

  23. I went to ER on FL Hospital on 4-26-2015 for a flu-like symptom. I end being hospitalized because the blood work came out so bad that the doctor let me in the hospital for a week looking for a “cancer”. I was submitted to more blood work, X-rays, MRI, and so on. Finally they never found the cancer and they never treat me for my original flu like symptom that was just a chronic bronchitis. Now I have a ton of debts because my insurance didn’t pay on time. My debts are on collection now and I am desperate and depress. I just need to know what to do next.

  24. We recently received a sizable bill from the hospital for the anesthesiologist for my wife’s thyroid surgery 15 months after the surgery. A small amount had been deducted for an insurance payment. We’ve been told by several friends that there is a deadline for providers to send bill to patients, after which the patient is not responsible for paying that bill. I’ve not been able to confirm this. Is there a such a deadline? We live in Wisconsin.

    • I am going through this currently in WI as well. Haven’t received a bill all year and now in October I receive a statement saying we owe over $6,000.00. this is from services rendered from the January on. I too am trying to find a deadline. I was told if it is over 6 months old that they have to write it off but I cannot find anything to support this. Please let me know if you have heard of anything.

    • A provider is required to bill insurance at patient request within 12 months of the date of service. They can choose to bill later, though. Since it was more than 12 months, I would recommend disputing the bill if they won’t send to insurance.

  25. I have a hospital bill over 13 years old. I live in Iowa. At the time I had Medicaid and was pregnant and had lost my baby. Now, fastforward to 2014 My paycheck gets garnished 25% from an attorney who works for the Collections Agency hired by the hospital. I go to court to get it Quashed but only get it reduced to 50% . Yes this helped and once it was expired they collected $1150. I have heard nothing from then until 2 months ago my check is surprisingly garnished again by the same company for the same debt and nothing notated that they recieved the 1,150.00 in 2014. i have proof of all deductions from paystubs. I go BACK to court again they only reduce it to 50% and I am again in this vicious cycle of paying for a debt that I know is already paid for. I NEED HELP GETTING THIS STOPPED ASAP. I AM A MOTHER OF 4 CHILDREN LIVING CHECK TO CHECK AND NOW FACE BEING HOMELESS. PLEASE IS THERE SOMETHING YOU CAN DO??

  26. I just received a call from a collection agency trying to collect a charge from 2012, they state my insurance paid there part and i havent paid mine…I have never recieved a bill stating i owed money and this is the first
    i have heard of this bill…to i have any rights to fight it this long ago?

  27. I had surgery at LVSC in Mar ’16 & when I arrived was told I had to pay their calculation of my out of pocket in-network cost (net of insurance), $582. Since then I’ve received in-network bills from two doctors that have corresponding Anthem EOBs. Their bills do NOT reflect my $582 pymnt and total to ~$350. I’ve contacted LVSC by phone & a letter to their CEO and they’ve still NOT sent me a bill that reflects my $582 pymnt but have left 2 voice mail messages stating I have a refund and that “I need to call”. This phone tag game has gone on for 3 months with no refund, no bill, and an escalation from the 2 doctors who state that I owe them money and they know nothing about my $582 pymnt. What can I do here that would be effective and make everyone happy?

  28. I had an ultrasound done on my gallbladder a few months ago. I actually got a bill from the medical facility showing I owed nothing. I assumed my deductible for the year must have been met. Well, something else came up in my life that necessitated me spending a large amount of money I couldn’t easily spare. THEN the medical center sent me a bill for several hundred dollars. I have been paying it off a little at a time, but today, I got a call from them saying I was not allowed to keep paying like that. I feel like they were in error for not billing me correctly to begin with. Years ago, I had to have a follow up test and we worked it out so I would pay $25 month, but despite that, they continuously sent a statement threatening to turn me over to the collection agency. This is why i rarely go to doctors.

  29. I received a medical bill in my 5 year olds name today, that would have been sent to collections had I thrown it out not realizing it was a bill. I’ve made arrangements, but they refuse to put it in my name even though he is clearly a minor. Is there anything I can do to protect his credit or to stop him from being billed in the future?

  30. I just received a bill that is 12 months old for an MRI. I have had several MRIs done at this facility and always paid the balance in full while I was there receiving the MRI. I just received this bill out of no where. There have been no previous attempts to contact me as the statement date was just a couple of weeks ago. It indicates on the bill that my insurance paid them with in 30 days of the treatment. Do I have to pay this bill?

  31. I had my wages garnished back in 2012 for unpaid hospital bills after surgery for cancer. I received so many different physician bills that I could not make payments to all at the same time as I was unemployed. I was just told by my HR department that the credit agency cannot charge monthly interest on medical bills in collection. I live in California, is this true? They are charging me 10% per annum on the unpaid principal. Thank you for any information you can give me.

  32. Recently we received a statement from one of my husbands doctors offices. It was showing debt owed for 2015 and 2016 totaling over $1,000.00. When I looked back at my insurance portal I showed payment for the 2015 bills. when I called the billing number they told me they applied those payments to other service dates??? Also, we have not received one bill from the doctors office for the year of 2016 stemming from his first visit in January to current. the statement balance was over $6,000.00. My husband had inquired about this earlier in the year as I thought it was strange that we had not seen a bill. Now, 10 months later I receive this. They told him our account was suspended and that is why we were not receiving any bills. Are we obligated to pay all of this considering they never sent us a bill until now?

  33. My son (26 yrs old at the time) was in an auto accident . He was the only one involved. He was driving his father’s car and it only had liability insurance. Son was on Father’s BCBS health insurance.

    Son was med flighted to hospital. BCBS paid to father a portion of the med flight Bill. They (med flight) will not settle for that amount. Father has held money because they won’t settle. They are calling son to eye to collect. Son due to the many medical bills is planning on file bankrupcy.

    Will his father be able to keep the.money he received from BCBS if son files bankruptcy ?

    • My son (26 yrs old at the time May 2015) was in an auto accident . He was the only one involved. He was driving his father’s car and it only had liability insurance. Son was on Father’s BCBS health insurance.

      Son was med flighted to hospital. BCBS paid to father a portion of the med flight Bill. They (med flight) will not settle for that amount. Father has held money because they won’t settle. They are calling son to eye to collect. Son due to the many medical bills is planning on file bankrupcy.

      Will his father be able to keep the.money he received from BCBS if son files bankruptcy ?

  34. 2 years ago I had a stroke, I have numerous medical bills in collections. I am 25 and had a different insurance (my moms) and now I am on medicaid bc of other bills. I havnt recieved a bill or phone call for about 1 year and a half, should I be concerned they’re not affecting my credit score but I recently got married and worry they’d seize our joint account

  35. I don’t understand a medical claim from 2 years ago being processed 2 years later. I am really confused. It doesn’t show that I owe anything but there are 24 pages of approx. 6 different medical claims from 2014 all processed in December of 2016. Does this make amy sense to any one else. At the time I was paying premiums and deductibles in an employee medical plan. Thru Humana.

  36. I jus receive a call saying im being sued for an ER visit for my son in 2008 …..i havent seen any paperwork & they said they will not send any paperwork until a final decision is made ….has anyone ever had this happen

  37. My son was in an accident in Maryland in 2000. We took him to Patient First in Bel Air, MD for a couple of follow-ups. The insurance was supposed to cover it. We moved that same year to Chesapeake, VA. They opened a Patient First in our area and we went to it in 2015. They denied me service because they said I owed them $1,100 from my son’s bill in MD from 2000. We never knew about the bill, thought the insurance covered it. I offered to pay the original amount and they said no, they wanted it all.

    • Statute of Limitations in Maryland is 3 years. So by 2003, that bill would no longer have existed. Print it out and take it to them. Do NOT under ANY circumstances, agree to pay or pay anything for that bill!! If you agree to pay or pay anything, it resets the statute of limitations back to year 0 and the 3 year limit begins again.

  38. My question involves collection proceedings in the State of: VIRGINIA

    My question concerns 2 medical/Hospital bills both of which are under my boyfriends name.

    It started with a recent bill for 2016 . He gave them permission to speak to me to discuss payment options. I made an agreement with them and each month i made the payments manually with my debit card online. For awhile at least until i started noticing the payments being automatically drafted. However i made no complaint because well the bill was getting paid one way or another. The other thing that got me was it was being drafted days before the due date on the statements they sent each month. However, i paid the bill in full ahead of time. Once it was paid in full they continued to draft my account. I called and told them to stop and they said it would be done. However, this is where the old 2008 bill comes in. I was told then that my payments were going to his 2008 bill. i told them we know nothing of a 2008 bill and i never authorized my account to be on auto draft and that the 2008 bill was never discussed with me from them. So heated i got off the phone not thinking to tell them to refund my money and eventually contacted my bank after seeking advice. At that time the hospital had drafted my account again after i told them to stop so i disputed both payments with my bank and was resolved. About 2 months go by so this is recent as of this month they drafted my account again. So called my bank again and then contacted the collections dept and they said i was at a zero balance and the problem falls with the hospital. So i called the hospital they tell me this time ( different from the first time) that his account still shows a balance i tell them that’s incorrect that collections has a zero balance so the rep confirms and agreed to have their end updated. The 2008 bill comes up again and i explained i have nothing to do with that and again my debit card needs to come off of auto draft. i told them this time i think its funny they have a 2008 record because when he went to their hospital to get records for short term disability they told him they had no records from visits in 2008.
    The rep offered to send the invoice just like the 1st rep several months back. i told them sure they can send it to me. He has not spoken to them at all about this bill he has only given them permission to speak to me about them stopping my auto draft and to discuss the 1st account. we have no prior statements about this 2008 bill until recently when they sent them to me after they offered to send it to me ( still addressed in his name). i told the last rep i cant guarantee any payments and that honestly i don’t think there is much they can do since its 8 years old and told her that its not even on his credit report and she tells me that it should be. ( i know its not because i checked a yr or 2 ago myself for other reasons). However my concern is that because of everything that has happened that they may have opened the S.O.L. again by taking those payments unauthorized. Oh, one thing i forgot, the 1st rep months ago told me because my debit card was on auto draft that’s why after the 2016 bill was paid off they were taking the payments for the 2008 bill. Again auto draft was never authorized and the 2008 bill was never discussed with me prior to them taking the payments.All though i got my 2 payments back after disputing with my bank and this one i’m sure i will get back once the dispute is finalized. My question do I or him have any grounds for legal action because honestly i am so tired of going through this? I feel like i made a few mistakes along the way by allowing them to send me the statements and also not putting a stop to the autodraft when i first noticed it. I just saw it as well they are still getting their money and it saves me time even though i never really wanted it on auto draft. The first payment they even took after it was paid off caused an overdraft on my account and during the disputes process the bank credit that fee back to me. i also feel by stating ill talk to him about it also hurts the situation. Any advice would be great.

  39. How much or what is the dollar $ amount before medical bills turns into collections? I’ve heard they don’t report it if it’s under $20 and I’ve heard they don’t report it if it’s under $50? Which one?

  40. My daughter just had a major knee injury, my son was just born, and we now owe about $10,000 in medical bills. The problem we are facing is paying them because the two situations described above have turned into about 6 different bills and six different people wanting us to setup automatic payments. My wife has told them we can not afford $200, $300, or even $400 per month and that we would like to have a payment plan. They all say that the only thing they can do is offer us automatic withdrawals from an account. So, my wife gave them the credit card number. Now, 2 months into it, the credit card is full and they obviously still want their money, and new bills are still arriving.
    So, this is the situation. I can either pay for the medical bills as they require or I can pay for my house and transportation to work. But, I can not pay what they want me to pay and keep the house and the car. So, what can I do when they reject our request for paper statements and a reduced monthly bill? I feel trapped inside of their game of squeezing the life of my family. What I could do is pay each one about $40 per month until the debt is settled. But, NONE of them will accept this. I have a wife, 3 kids, and 1 mother-in-law as dependents living in my house and I am the sole provider for the family.
    Can someone please inform me of the florida statutes protecting me? We really don’t want to file bankruptcy and I do want to pay the bills off since it is my responsibility. But, I just can’t pay what they demand.

    • We emailed you. Debt settlement could be the answer. Let’s evaluate your bills and finances, please call the office for a free no obligation consultation. 888-595-9111.

  41. I had just received a hospital bill from 2015 in my 8 year old daughters name. Is this legal to put medical bills in a minor child’s name? Shouldn’t it be sent to parent or legal guardian? I called and they refuse to switch it to her dads name who is responsible for all medical bills. I’m in state of New York. Thank you for all your help with this!!!

  42. I have been refused service by a medical provider due to an apparently outstanding medical bill that is in excess of 20 years old. Can they require me to pay this old balance prior to being treated by them now?

    • Exactly what my wife is going through @the moment., less the $20 copayment we did pay. An 11 year old Dept that insurance did not pay and we yay found out. Did you get a reply to your similar issue???

  43. I have a medical bill put in collections from 2008/2009. I continued to use the same provider in 2011/2012 with no knowledge of any previous balances. Now it shows as in collections on my credit report. I was fully insured and they were paid then, the collection agency won’t provide further information. Am I still responsible for this, seems suspicious? Florida

  44. Hello so I am currently rebuilding my credit and have two medical bills that are on there from 2011/2012 from hospitals. I had state medi-cal at the time state medo-cal paid a portion but them they apparently billed me what wasn’t paid. I have never received a bill I thought medi-cal covered total bill. How can I prove that they couldn’t bill me the balance? Thanks

    • Not sure, don’t know enough facts. Have you disputed the debts? Medical bills are notorious for being wrong so disputing is probably the start. We sent you an email, we’d be happy to explain the dispute process and then review your FCRA rights. Please reply or call.

  45. My son does not live with me and has not since he was 18. He lives with his father since he turned 18. I have had him on my insurance since he got the first custody agreement when he was 3. Also I was responsible for all medical bills in the custody agreement. Am I legally responsible for any medical bills he has now since he is over 18? My husband thinks I am since he is covered under my insurance.

  46. My 15 year old son is receiving medical bills for lab work he had done that is quite expensive, although my husband signed as “responsible party.” Is this legal? I do not want his credit ruined while he is still a child!

  47. Office visit for pediatric specialist in January 2016; insurance paid their portion March 2016. A full year later, I am getting a bill for the balance. Is there a SoL for them to bill me after they’ve been paid by insurance?

  48. I have two questions regarding the same issue.
    Last 3rd of November of 2016 I went to the hospital for a very serious stomach illness. I used my state insurance and did not hear back about it. It is now June of 2017 and I received a bill for what my insurance did not cover, this was received by post mail marked May 25th, but I did not receive it until June 3rd. It is $1,496.99 and is due June 8th. I cannot make this payment. So my two questions are:
    1. Wasn’t I suppose to be notified of this bill prior, and isn’t this outside of their billing window? (8 months later)
    2. If I am still liable within this window, I was also still under TriCare (Active Duty) at the time. I did not use it as my state insurance was easier to charge. I am not under TriCare (Reserve), is it possible for an insurance from them to assist with paying a debt this long after?

    • Lots of different rights under the SCRA, hard to tell from your comments what might apply. Billing doesn’t sound too late. Give us a call, free case review. 888 595 9111.

  49. Maybe someone can answer here:
    I go to a legal Pain Management Clinic in NC. On my last visit, I was informed that I owe about $85. I told them that I never received a bill. The reply was; check your Medicare eMSN and pay what Medicare says is the “you may be billed” amount. Is this legal? I had no idea that I owed a balance as I pay a co-pay with each visit.

  50. My problem is that I pay my Dr. at the time of service and yet every time I go to the doctor I receive a bill saying I owe and then I have to contact the billing department for the group and straighten things out. Most recently I received a bill saying I still owed $125 and was credited with making only $59.26 when I actually paid $206. What can be done and who can I contact about this. This has being going on ever since my doctor joined this group 2 years ago.is office doesn’t handle the billing the group has their own billing.

  51. They are requiring me to do auto draft. Can they do that?

    • Who’s they? A lender or other credit grantor likely cannot as a condition of credit, but we need more info to know. If “they” can’t, it could be a violation of TILA or EFTA entitling you to damages. We sent you an email, please call or reply.

  52. After a visit to an urgent care, what is the time length that I can expect a bill? I live in Texas and I just received a bill 3 years and a half after the visit.

    • Unfortunately, we are unable to meaningfully respond because the information you have provided is insufficient for us to form any legal opinion and/or because your query does not describe any legal violations.

      Having said that, we’ve got a lot of ways to provide you no cost consumer legal help, and we wonder we’d be able to recover you compensation for violations of your basic consumer rights (which often occurs without you even knowing it) that could help you with your current problem.

      Please review our Guide To Understanding Basic Consumer Rights explaining some of these laws which may entitle you to compensation. These laws often apply regardless of whether you have suffered any harm. If an entity does not comply with federal and state consumer protection laws, you may be entitled to recover compensation. These amounts commonly range from $100.00 to $2,000.00 dollars or more, depending on the particular statute. In addition, the other side may be required to pay your attorney’s fees, which could allow us to protect your rights at no cost to you.

      Our firm offers free case reviews at no cost to you to help protect your consumer rights anytime you:
      • Receive contact from a creditor or debt collector to collect a debt;
      • Receive unwanted computerized robocalls or texts to your cell phone (even after you’ve told them to stop);
      • Notice inaccurate information on your credit report (even after you disputed with the credit bureaus);
      • Obtain a loan, lease, or purchase an item on credit;
      • Enter into an autopay arrangement with a creditor (i.e., gym membership, car loan, etc.);
      • Purchase a lemon vehicle or other consumer product;
      • Need help settling debts for less than the full balance; or,
      • Have any other consumer issue you would like us to look into at no cost to you.

      We constantly review documents related to all these situations to determine if consumer rights have been violated under applicable consumer laws. Evidence such as collection letters, loan/lease agreements, documents which authorize automatic payments, credit reports, dispute letters, voicemail messages, and/or any other files related to consumer situations are all very ripe for violations of consumer laws that provide these “statutory damages” to consumers. Simply email us a short description of your issue and any related documents such as collection letters, loan/lease agreements, documents which authorize automatic payments, credit reports, dispute letters, voicemail messages, and/or any other relevant documents.

  53. I was just served today for a medical bill from the midwife who was supposed to deliver my child. I had already paid $1,100 before delivery. I had many issues with my midwife, being very inexperienced and constantly was unable to draw blood from me and had to poke me 7+ times, no one else ever had an issue like this with me before. One day I went into labor she refused to help me, and even stated she thought my child was too small and forced me to have an ultrasound to verify, once it came back everything looked fine, but she still refused to help me and stated i had to go and have a c section and she had already called the hospital to let them know i was coming. Multiple times stated my baby was going to be stillbirth or have complications. When i got there they told me everything was just fine, and waited for my contractions to get closer together before admitting me. My water broke that night, I had a natural birth, there were no complications, my son was not small or low birth weight for his age, even though it stated this as a diagnosis which was incorrect.. i am a OBGYN/Midwifery medical coder, and know that low is concidered about 5.5pounds, my son was 6.9 pounds. I was going to have an at home birth, but was forced to go to the hospital instead against my wishes and was unable to have the birth fir my son the way I wanted. She is charging me the full global amount even though they did not deliver my child, plus a home visit for when I was in labor when she came to check me, and a birth pool we borrowed that they recieved for free that we have tried returning and are never able to contact them to do so. When we last spoke to the receptionist she said they would only bill for the prenatal visits, which were about 7 total. I was also told my insurance would pay parcial what i owed, but when they were billed they stated my midwife was out of network and I was responsible for the entire cost. Please let me know if you tbink thos is justifiable, it is almost a year since my sons birth. Any help is appreciated.

  54. Can an emergency visit from 2011 be reported to credit agencies in 2017? Has not been reported to the agencies till 6 years after.

  55. I received, on Feb 18 2018, a bill for services rendered in October 2015. I suspect that the doctor’s office did not submit the claim to my insurance at all and are now trying to see if I will pay it. I just received a phone call from them to “see if I had any questions”, and she said that it had already been sent to collections. I suspect that this is not true, because if the bill had been sent to collections, there would be no reason for the doctor’s office to call me. I emailed them requesting a copy of the claim and the relevant portion of their contract that states the claim validity period. Ugh, what a waste of time.

  56. I took my daughter to an emergency visit because she had a very bad tooth ache. It was a holiday and our dentist did not work at that day. In the ER, the doctor prescribed some antibiotics and dischaged after only 30 minutes in the ER. This was in 12/31/2017. Three months later in 2018 I received a bill for the ER visit amounting to 695 dollars which I paid in full. A month later I received another 650 dollars bill for the Physician bill. I thought the ER visit bill that I got earlier included the Physician bill and also are they not supposed to give you details on the fees/costs before even setting in the ER.

  57. I received court papers to pay a medical bill from my daughter in 2011 when she was in college that was 7 yrs ago and we thought the college sports took care of it what is the statute of limitations

  58. I just got a bill from the hospital almost 1 and a half years later. Is there a time limit for sending out a bill? I was shocked when I received the bill. It’s over $900.00.. I am still paying on bills that I know about.

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