What should you do when a medical bill is sent to collection even though the payment was being in?
When medical bills are sent to collection even though payment is being made, it can be a frustrating and confusing situation. Here is a general outline of what you should do:
1. Gather Information:
- Collect the medical bill and any collection notice received indicating that the bill is sent to collections.
- Check your bank statements, receipts, or payment records to confirm that you have made payments toward the medical bill.
2. Contact the Billing Department:
- Reach out to the billing department of the medical facility or provider who issued the original medical bill.
- Explain to them that payments have been made and inquire about any discrepancies in their records. Request an updated statement of your account.
3. Contact the Collection Agency:
- If the bill has already been sent to a collection agency, get in touch with the collection agency directly.
- Provide them with the information you gathered, such as proof of payments made, and explain that the bill is being paid.
4. Validate the Debt:
- Ensure that the medical bill sent to collections is accurate and belongs to you. Verify the services received and the amount owed.
5. Check Your Credit Report:
- If the medical bill is reported to the credit bureaus as delinquent, review your credit report. You may need to dispute any incorrect or inaccurate information reported by the collection agency.
6. Seek Assistance:
- If you're struggling to manage medical bills, consider seeking assistance from a credit counselor, patient advocate, or financial advisor who can help negotiate with medical providers or collection agencies on your behalf.
7. Consider Payment Options:
- If you genuinely cannot pay the full amount immediately, inquire about potential payment plans, discounts, or arrangements that may be available to settle the debt.
8. Maintain Communication:
- Keep records of all conversations, emails, or documentation related to the medical bill and your communications with the billing department, medical provider, and collection agency.
9. Explore Legal Options:
- In certain situations, you may consider seeking legal advice if you believe your rights are being violated, or the collection agency is engaging in unfair practices.
Remember, it is crucial to act promptly to address medical bills sent to collections, as they can negatively impact your credit score and financial well-being. Addressing the situation promptly can help resolve any misunderstandings and protect your credit history.