Legal

Ask a lawyer and get answers to your legal questions

Ask a Lawyer,
Get an Answer ASAP!

This answer was rated:

Upon discovering debt collections in a recent credit report…

Upon discovering debt collections in...
Upon discovering debt collections in a recent credit report of mine from numerous collection agencies near $11,000.00 in collections and stretching back three years, I am working toward a solution. I was never informed and/or made aware of any outstanding or late bills let alone collections until viewing my credit report recently. In other words, this amount owing has never before been brought to my attention and to whom(s) it is due. Therefore, I find it essential to discover the validity of said collections. I am looking to be advised on the proper tactic in reference the recommended steps to take. I suspect the debts are past medical services received for which insurance was liable for instead of me. I look forward to your professional insight to handling this in the least expense and most effective way possible toward clearing my credit.
Show More
Show Less
Ask Your Own Legal Question
Answered in 36 minutes by:
3/22/2017
AttyHeather
AttyHeather, Lawyer
Category: Legal
Satisfied Customers: 677
Experience: 15 years law practice experience
Verified

Hi! I'm Heather. I've been a practicing attorney for the last 15 years, and I'd be happy to assist you for informational and educational purposes.

Ask Your Own Legal Question

There are many reasons why you might not have gotten notice of the debt. Most often, the customer moves and fails to update the address with the service provider. I'm not saying that is what happened to you. However, if the debt is a valid debt, meaning you did benefit from or receive the services, it won't invalidate the debt by you saying you did not get the bill.

I would suggest that you contact the creditor and tell them that you noticed the past due debt. I would suggest trying to settle the debt for a lump sum that is less than the actual amount of the debt. Many times, after a debt is in collections, the creditor will accept a much reduced amount. I'd probably start the negotiation at about $3,000 (knowing they will want more, but occasionally, the creditor will take almost anything.). You'll want to make sure that there is a contract stating that the amount you pay constitutes payment in full of all amounts you owe for or related to that debt. Also, you might mention that you are considering bankruptcy. Even if you are not, creditors usually get nervous when bankruptcy is mentioned, because if the debt is discharged in bankruptcy because you cannot afford to pay the amount they want, then they would get nothing. Certainly, $3,000 (or some amount less than $11,000) is better for the creditor, than getting nothing.

Let me know if this helps?e

Ask Your Own Legal Question
Customer reply replied 1 year ago
Dear AttyHeather,Thank you for your reply. I found the information useful. Regarding this case, I'd hoped to cover this in the first message. The debt is spread among six collection agencies as it probably pertains to various involuntary ER visits. I carried medical insurance at the time. It was liable for all of my medical expenses. Therefore, had I been made aware of these bills at the due time they would/could have been properly handled and covered by insurance. At this later stage, it seems reasonable to ask the collections agencies to validate the debts they have toward me. Hence, a few things can occur: one is clarity about which facilities originally provided service; while discovering the involved health organizations, it also provides opportunity to learn why the failure to bill insurance; Third, confirmation about the charges; Fourth, there is (please correct if wrong) that if the agencies can't, won't or fail in response to a request for validation of debts, then it (debts) has to be removed by the credit reporting agencies. This, of course would ultimately solve the problem at hand. Please advise. Thank you for you attention to this matter!
Jeffrey Stephens

Yes, you are always proper to ask the debt collector for verification that the debt is a valid debt - this would include any contracts that you signed and an itemization of charges. If the debt collector does not have any proof of the debt, then yes you can dispute the debt with the credit reporting agencies.

The debt collector may not know why the bills were not billed to insurance, and/or maybe they did bill to insurance, but insurance denied the claim. Ultimately, you are responsible whether or not the insurance pays, but definitely you should inquire if they know why the insurance either was not billed or did not pay. If I were you, I would also follow up with the insurance company, and I would also attempt to submit the claim myself to see if the claims might still be paid.

AttyHeather
AttyHeather, Lawyer
Category: Legal
Satisfied Customers: 677
Experience: 15 years law practice experience
Verified
AttyHeather and 87 other Legal Specialists are ready to help you
Ask your own question now
Was this answer helpful?

How JustAnswer works

step-image
Describe your issueThe assistant will guide you
step-image
Chat 1:1 with a lawyerLicensed Experts are available 24/7
step-image
100% satisfaction guaranteeGet all the answers you need
Ask AttyHeather Your Own Question
AttyHeather
AttyHeather
AttyHeather, Lawyer
Category: Legal
Satisfied Customers: 677
677 Satisfied Customers
Experience: 15 years law practice experience

AttyHeather is online now

A new question is answered every 9 seconds

How JustAnswer works:

  • Ask an ExpertExperts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional AnswerVia email, text message, or notification as you wait on our site. Ask follow up questions if you need to.
  • 100% Satisfaction GuaranteeRate the answer you receive.

JustAnswer in the News:

Ask-a-doc Web sites: If you've got a quick question, you can try to get an answer from sites that say they have various specialists on hand to give quick answers... Justanswer.com.
JustAnswer.com...has seen a spike since October in legal questions from readers about layoffs, unemployment and severance.
Web sites like justanswer.com/legal
...leave nothing to chance.
Traffic on JustAnswer rose 14 percent...and had nearly 400,000 page views in 30 days...inquiries related to stress, high blood pressure, drinking and heart pain jumped 33 percent.
Tory Johnson, GMA Workplace Contributor, discusses work-from-home jobs, such as JustAnswer in which verified Experts answer people’s questions.
I will tell you that...the things you have to go through to be an Expert are quite rigorous.

What Customers are Saying:

Mr. Kaplun clearly had an exceptional understanding of the issue and was able to explain it concisely. I would recommend JustAnswer to anyone. Great service that lives up to its promises!

Gary B.Edmond, OK

My Expert was fast and seemed to have the answer to my taser question at the tips of her fingers. Communication was excellent. I left feeling confident in her answer.

EricRedwood City, CA

I am very pleased with JustAnswer as a place to go for divorce or criminal law knowledge and insight.

MichaelWichita, KS

PaulMJD helped me with questions I had regarding an urgent legal matter. His answers were excellent.

Three H.Houston, TX

Anne was extremely helpful. Her information put me in the right direction for action that kept me legal, possible saving me a ton of money in the future. Thank you again, Anne!!

ElaineAtlanta, GA

It worked great. I had the facts and I presented them to my ex-landlord and she folded and returned my deposit. The 50 bucks I spent with you solved my problem.

TonyApopka, FL

Not only did he answer my Michigan divorce question but was also able to help me out with it, too. I have since won my legal case on this matter and thank you so much for it.

LeeMichigan

< Previous | Next >

Meet the Experts:

Ely

Ely

Counselor at Law

24,658 satisfied customers

Private practice with focus on family, criminal, PI, consumer protection, and business consultation.

INFOLAWYER

INFOLAWYER

Attorney

22,843 satisfied customers

Licensed attorney helping individuals and businesses

JPEsq

JPEsq

Attorney

2,132 satisfied customers

Experience as general attorney, in house counsel, SSDI, Family Law attorney, and law professor

Law Educator, Esq.

Law Educator, Esq.

Attorney

44,266 satisfied customers

JA Mentor -Attorney Labor/employment, corporate, sports law, admiralty/maritime and civil rights law

Ellen

Ellen

Lawyer, Consultant

8,238 satisfied customers

25 years of experience helping people like you.

Guillermo Senmartin

Guillermo Senmartin

Lawyer

301 satisfied customers

Principal Attorney at Guillermo J. Senmartin, P.A.

Dimitry K., Esq.

Dimitry K., Esq.

Attorney

17,183 satisfied customers

Multiple jurisdictions, specialize in business/contract disputes, estate creation and administration.

< Previous | Next >

Related Legal Questions
My mother recently passed away. We are being contacted by
My mother recently passed away. We are being contacted by her credit card companies for payment. She did not have a will. She sold her house last year and the proceeds were put into a bank account in … read more
Jessica B
Jessica B
Juris Doctor
1,658 satisfied customers
I have a Debt Collection Law Firm, claiming they will
I have a Debt Collection Law Firm, claiming they will garnish my wages for a debt that is not mine. … read more
Patrick, Esq.
Patrick, Esq.
Doctoral Degree
8,521 satisfied customers
I was recently sent a letter from Interstate Recovery
I was recently sent a letter from Interstate Recovery Service stating that I owe a company acknowledged only as Magazine Distributors a total of 759.05. To my knowledge, I have never even heard of Mag… read more
LegalKnowledge
LegalKnowledge
Juris Doctor
30,920 satisfied customers
My sister was just given what a first appeared to be a
Hello, my sister was just given what a first appeared to be a summons from Midland Funding LLC with my name on it. It resembles a summons, but there is no date on it, no court number, and at the botto… read more
Legalwriter
Legalwriter
Attorney
Juris Doctor
201 satisfied customers
My mother passed away 2 years ago. There was a Suntrust Visa
my mother passed away 2 years ago. There was a Suntrust Visa bank card which my mother was the primary card holder. My sister and I were authorized SIGNERS--not responsible parties... I made certain o… read more
LawGuy
LawGuy
Juris Doctor
123 satisfied customers
We/I had an S4 corp in KS from 1999 until July, 2008. We had
We/I had an S4 corp in KS from 1999 until July, 2008. We had one outstanding small business loan, non-SBA, which came from Capital One Bank for $11K, for which I had to sign a personal guarantee. The … read more
Dimitry K., Esq.
Dimitry K., Esq.
Attorney
Doctoral Degree
17,183 satisfied customers
I paid for a education package in 2007 i had a contract for
I paid for a education package in 2007 i had a contract for $2999 with a company named tactical learning. I paid for it in full about 4 months later. A company called lead recources of america called … read more
MShore Law
MShore Law
Doctoral Degree
1,233 satisfied customers
My mother is a nursing home on Medicaid since March 2008, she
My mother is a nursing home on Medicaid since March 2008, she has an outstanding balance on her Discover card which I have been paying on. I cannot afford to do this any longer. I tried to reason with… read more
Legalease
Legalease
Attorney At Law
Doctor of Law w/ highest honors
15,719 satisfied customers
I was recently informed that I may have an outstanding balance
I was recently informed that I may have an outstanding balance on a credit card account that was closed approximately 5-6 years ago. One of my recent credit reports (Agency 1) seems to support that. I… read more
MShore Law
MShore Law
Doctoral Degree
1,233 satisfied customers
We got in over our head with credits(my fault as I wasnt paying
We got in over our head with credits(my fault as I wasn't paying attention and couldn't remember all the bills)We got with a debt consolidation company that negotiates lump sum payments. They are in t… read more
MShore Law
MShore Law
Doctoral Degree
1,233 satisfied customers
What is the worst thing a bank can do to a consumer who defaults
What is the worst thing a bank can do to a consumer who defaults on a credit card in Arizona? I know in some cases the banks try to get summary judgements and garnish wages, but I have even heard of b… read more
xavierjd
xavierjd
Juris Doctor
3,361 satisfied customers
My ex-wife and I have been divorced since 2004. Yesterday
My ex-wife and I have been divorced since 2004. Yesterday a collection agency called to say I was responsible for a delinquent bill from a department store that she had been actively charging on-most … read more
Roger
Roger
Litigation Attorney
Doctoral Degree
26,939 satisfied customers
I keep getting phone call from debt collectors for the ...
I keep getting phone call from debt collectors for the debt that I do not owe. I''m not the right person that they are looking for. I have informed them not to contact me, but they keep passing my pho… read more
Ellen
Ellen
Lawyer, Consultant
Doctoral Degree
8,238 satisfied customers
I live in texas and have researched credit card ...
I live in texas and have researched credit card collections for outstanding debt. Can a CC company place a lien on your home or not? Can they seize your bank account or not? This is in Texas. I read o… read more
Help4Health
Help4Health
Attorney and Counselor at Law
Doctor of Jurisprudence
31 satisfied customers
My son is 20 years old and due to poor grades, was
My son is 20 years old and due to poor grades, was recently asked to leave SUNY Oswego (New York) in his 2nd year of college. As a result he has accrued a $7,000 tuition bill outstanding (his mother a… read more
Mr Lofton
Mr Lofton
Doctoral Degree
702 satisfied customers
i was a victim of identity theft and i was disputing now ...
i was a victim of identity theft and i was disputing now for several years this account with first premier bank. i send them copies of my driver''s license a signed and notorized affidavit and explain… read more
NO LEGAL ADVICE  WAS GIVEN BY ME
NO LEGAL ADVICE WAS GIVEN BY ME
N/A
134 satisfied customers
What would be some of the reasons a collection agency would ...
What would be some of the reasons a collection agency would not take me court to get a judgment on a auto that was reposses in 2002. I live in Massachusetts. I owe the differences from the aution sale… read more
Bill F.
Bill F.
Associate Degree
1,110 satisfied customers
Back in January I wrote a check for $317.00 and it bounced.
Back in January I wrote a check for $317.00 and it bounced. I since half paid half of it off. I owe 164.00. The place I wrote it too is threatening to have me arrested. I recently just went back to wo… read more
Kelly Spurlock
Kelly Spurlock
Bachelor's Degree
304 satisfied customers

DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

Show MoreShow Less

Ask Your Question

x