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I am suddenly receiving aggressive bills from my children's pediatrician's office for services in 2007. I have a history from my bank of the payments I made to that account in 2007, but I have no idea where they applied those monies. Also, we no longer have the same insurance that we had in 2007, so researching this is extremely difficult. They are threatening to send me to collections, and I do not want to just blindly sent them $497, which is what they say I owe. I can tell you also that I pay my bills when I receive them and have excellent credit. If they had sent me these bills in 2007, I surely would have paid them. What should I do? And, are they entitled to bill me for something from so long ago? Thank you.
State/Country relating to Question: North Carolina Already Tried: I have made several calls questioning the validity of the charges dating back so long. Twice they have told me to do nothing while they research it. Then I just get more threatening bills in the mail threatening collections and automated phone calls about my account as if I have never spoken to them.
You need to send them a letter under and tell them you are disputing the bill and send them proof you made the payments by sending copies of the bank records to show the payments. As far as the insurance, you need to call the old insurer and just ask for a printout from that year for that provider and they must provide that to you and send that copy along with your bank proof of payment to the doctor. At this point that is really all you can do as a first step, if they keep insisting then you need to tell them that you proved you paid, now under the Fair Debt Collection Practices Act they need to prove you did not pay and why they are claiming that.
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The money that I have record of sending in 2007 may very well have been applied to things other that what they are claiming I owe. I do not know, because they have yet to send me statements showing the money they may or may not have received from me and where they applied it. Are you saying that I should just sent to them the letter from my bank and then it falls on them to figure out where they applied all of that? Also, I guess it is okay for them to bill for something so long after the fact (2 Years). Thanks again.
Under the Fair Debt Collection Practices Act, you have a right to make them prove the debt and an itemized statement of the debt, so you need to send them a letter and inform them you are demanding this under the Act and their failure to comply will result in your suing them for a violation of the FDCPA including attorney's fees that are provided for under the Act.
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