You are here:

Collections Law/Sent to Collections

Advertisement

Expert: Apex Credit Services, LLC - 5/12/2008


Question
I recieved a medical bill for 1,500.  I called to make payment arrangements with the hospital but we never came to an agreement.  They were supposed to give me a yes or no on the amount I told them I could pay monthly but never did.  I started sending them 40 dollars a month and three months later without any written warning or a voicemail I got a letter from a collections agency.  By law was the hospital at least supposed to send me a written letter, final notice?  All they have done thus far is send me updated statments subtracting the 40 dollar monthly payments I was making.  Thank you!

Answer
Jordan:

    No, they're not obligated to give you an accounting.  Most do as a courtesy.  That being said, send a request for verification to the medical provider under the FCRA.  Send a request for validation to the debt collector pursuant to the FDCPA.

          Apex Credit Services, LLC
          http://www.apexcreditservices.com

Collections Law

All Answers

Answers by Expert:

Ask Experts

Volunteer

Apex Credit Services, LLC

Expertise

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.

Experience

Our staff is comprised of CCPA experts. Apex Credit Services, LLC, which is a registered, licensed, and bonded credit services organization and certified by the Consumer Data Industry Association.

Organizations
Better Business Bureau

Publications


Education/Credentials


Education/Credentials


Past/Present Clients
Flagstar Bank Chase Bank

Past/Present Clients
Flagstar Bank Chase Bank

©2012 About.com, a part of The New York Times Company. All rights reserved.