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Expert: Apex Credit Services, LLC - 12/15/2008


Question
My wife had dental work from 3/22/2004 to 6/30/2004 under her own Dental Insurance.  When we were married she went under my dental and we changed dentist in 7/2004.  We recently received a bill from her old dentist for a total of $250.00 for the services from 2004.  We asked for a detailed record on her history, all transactions are from 2004, four from 2005, no transactions in 2006, one in 2007.  I'm wondering why they still have this on their books, and haven't written it off.  After four years, would we be responsible for this payment?  The bill did lower to $226.00 when we received the Patient transcript.

Answer
Brad:

Yes, you would still be responsible for the debt.  Simply because a debt is old and perhaps, beyond the statute of limitations for judgment purposes, it doesn't expire generally.

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Our expertise encompasses the legal frameworks under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act amendments to the FCRA, and the FCRA. We are also well versed in Tennessee and West Virginia consumer law as well as Texas consumer law. DISCLAIMER: NO PART OF ANY COMMUNICATION FROM APEX CREDIT SERVICES, LLC IS TO BE CONSTRUED AS LEGAL ADVICE. APEX CREDIT SERVICES, LLC IS NOT A LAW FIRM. SHOULD YOU SEEK LEGAL ADVICE, CONSULT A LICENSED ATTORNEY IN YOUR JURISDICTION.

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