Legal

Ask a Lawyer and Get Answers to Your Legal Questions

Ask a Lawyer,
Get an Answer ASAP!

Legal
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 11 months 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
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:

Tina

Tina

Lawyer

8,775 satisfied customers

JD, BBA Over 25 years legal and business experience.

Ely

Ely

Counselor at Law

24,353 satisfied customers

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

INFOLAWYER

INFOLAWYER

Attorney

20,727 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

42,358 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 J. Senmartin, Esq.

Guillermo J. Senmartin, Esq.

Attorney

292 satisfied customers

7+ years of experience handling various legal matters.

< Previous | Next >

Related Legal Questions
Credit report shows old credit debt. called the 800 number
Credit report shows old credit debt. called the 800 number on the report and they told me their legal department had tried to reach me... She said I did not need an attorney and now I don't know what … read more
KLAW
KLAW
Juris Doctorate
1,843 satisfied customers
While looking at credit report I noticed that the applicant
Hi, while looking at credit report I noticed that the applicant has 6 collections with total balance around $3500; for all of them it says: Loan type - open; status - 9B:collection account; remarks - … read more
DrakeLAW
DrakeLAW
Juris Doctorate
1,036 satisfied customers
I need someone to review a consultant contract for insurance
I need someone to review a consultant contract for insurance adjusting. … read more
Ray
Ray
Lawyer
Doctoral Degree
31,311 satisfied customers
In checking credit report, just found out I owed $75.00 and
In checking credit report, just found out I owed $75.00 and 13,692.80 interest has accrued since 1997..Help … read more
Legal Eagle
Legal Eagle
Attorney
Doctoral Degree
8,160 satisfied customers
How can I avoid eviction from showing on my credit report? I
How can I avoid eviction from showing on my credit report? I go to small claims court and I have all the fees.… read more
Olivia Kent
Olivia Kent
Managing Partner
Doctoral Degree
2,156 satisfied customers
I have a closed account on my credit report that has been on
i have a closed account on my credit report that has been on there for 20 years, its closed. was for credit card debt … read more
Gerald, Esq
Gerald, Esq
Juris Doctor
3,663 satisfied customers
On my credit report shows Midwest Recovery Systems VIP LOAN
on my credit report shows Midwest Recovery Systems VIP LOAN SHOP … read more
Phillips Esq.
Phillips Esq.
MBA
18,620 satisfied customers
Child support placed a negative on my credit report. My
Child support placed a negative mark on my credit report. My child support modification order was granted Feb 2017, deleting all arrears and changing the monthly child support in accordance to the Mic… read more
Michael Bradley
Michael Bradley
JD
1,195 satisfied customers
If I change my permanent life insurance contract with cash
If I change my permanent life insurance contract with cash value to either a paid up extended term contract or a reduced paid up contract using the cash value - would this contract be exempt from Medi… read more
Law Educator, Esq.
Law Educator, Esq.
Attorney
Doctoral Degree
42,358 satisfied customers
I'm from Guam, Insurance Underwriter of Century Insurance.
I'm from Guam, Insurance Underwriter of Century Insurance. Our Question is, Does Hawaii Insurance Statute mandates the carrier or the agent insuring the risk in Hawaii be licensed by the State of Hawa… read more
N Cal Atty
N Cal Atty
Doctoral Degree
59 satisfied customers
I freeze and unfreeze my credit report online is it
I freeze and unfreeze my credit report online is it immediate or does it actually take time after ?… read more
Ray
Ray
Lawyer
Doctoral Degree
31,311 satisfied customers
Maryland bankruptcy on credit report. Maryland, yes
Maryland bankruptcy on credit report JA: What state are you in? And has anything been officially filed? Customer: Maryland, yes JA: Has anything been filed in civil court? If so, what? Customer: No JA… read more
Michael Bradley
Michael Bradley
JD
1,195 satisfied customers
What information is on a credit report? If somebody always
What information is on a credit report? If somebody always pay their phone bill and health insurance bill on time each month, is that likely to be listed on their credit report? Or are only bills they… read more
Legal Eagle
Legal Eagle
Attorney
Doctoral Degree
8,160 satisfied customers
I recently discovered on a credit report that a previous
I recently discovered on a credit report that a previous judgement (default for credit card debt) was not handled properly by my attorney a few years ago. Now I am trying to buy a house and need to kn… read more
INFOLAWYER
INFOLAWYER
Attorney
Doctoral Degree
20,727 satisfied customers
I need help with contract dispute with an insurance company.
hello I need help with contract dispute with an insurance company. They also are not paying whats owed me from a claim filed in nov of 2016. they have not denied my claim but have not paid it either … read more
Dwayne B.
Dwayne B.
Juris Doctor
28,764 satisfied customers
Is it illegal to pull a credit report on an individual
Is it illegal to pull a credit report on an individual without their consent/permission/knowledge? … read more
Attyadvisor
Attyadvisor
Doctoral Degree
7,305 satisfied customers
I check my credit report on annual credit report .com. I
I check my credit report on annual credit report .com . I have several identiy breaches upon the report! I have some serious concerns. A address I donot recognize someaccounts that donot belong to me … read more
Attyadvisor
Attyadvisor
Doctoral Degree
7,305 satisfied customers
Is it legal to pull a customer's credit reports to have
Is it legal to pull a customer's credit reports to have their credit repaired by a credit restoration business ?… read more
Ely
Ely
Counselor at Law
Juris Doctor
24,353 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