Hello I'm Josh, Thank you for responding. Below is the letter that I just typed to the law firm that wrote me. Maybe this will help you some. Again this letter is from me to them.Bradley G. Dowler
Post Office Box 803
Benton, AR 72018RE: Mid-South Adjustment Co. v. Josh Casada
District Court of Jefferson County, AR, Case No. PBCV13-2141Dear Mr. Dowler,I am in receipt of your letter regarding a paid in full debt to JRMC / Mid South Adjustments Inc. dating back to 2012. Please note your letter to me states the following:“I am in receipt of your answer in this case claiming the debt was paid in full”.I want to be very clear, you have never contacted me nor have never had any type of correspondence with you or anyone from your staff.I also want to be clear this was not a claim, I provided the proper documentation in 2012 to JRMC to clear this matter up and given a record of $000 balance at that time. When Mid South pursued it I followed the proper procedures and disputed the matter with them as well and I believe they removed the balance from their records at that time. I ran a credit check
some time ago and noticed they had added the charges back on to my account. I disputed this with the credit bureau at that time and I believe it once again went uncontested.This issue has been disputed and resolved when I provided factual documented payment information. Due to this fact this is over 3.5 years old and settled I cannot locate these documents. Since this ordeal my company was sold, the name dissolved and the bank accounts at that time have been closed for over 2 yearsFor a brief summary: JRMC offers a roughly 20% plus discount to pay in full which I did and do whenever possible because I had a fully funded HSA. At the time I had a $3000 deductible with 100% paid once the deductible was met. Since this was in July I had partially met my deductible for the year. The $499 you mentioned was the discounted remaining portion of the deductible. I believe that was actually $501 (and some change) so I said charge my debt card $499 because I had a $500 per transaction security limit.This was done in December 2012 after the accounting was finished between my insurance company and JRMC. The liability in this case belongs completely with Jefferson Regional Medical Center for not properly handling my payment in full shortly after the billing statement was provided. Again 3.5 years later I do not have that documentation. Due to the time and this reoccurring paid in full debt. I am requesting you provide all of the original documentation from the original creditor with my signatures for prior authorizations or approvals for any charges incurred. Quite honesty the patient bill detail you have provided does not match the services performed. To answer your question of how I would like to proceed; I am in full dispute
of these charges as they were paid in full within the billing cycle and received a prompt paid in full discount 3.5 years ago. I respectfully ***** ***** stop any further attempts to collect this paid in full dept. If you continue I will seek damages from all parties involved for the continued harassment of a bill that was admittedly by JRMC paid in full in 2012.