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Collections Law/medical collection


QUESTION: Had a visit to hospital in 2005, insurance was supposed to take care of bill. 9 yes later I just received a collection notice from a collection company stating I owe 917 dollars. They want to settle for 321. Or the hit my credit report... is there any statute of limitations that expire this bill at this point? What options do I have? Should I settle for the 321? (Hard to do that on a budget)

ANSWER: The statutes should be over and gone on this account.  Please tell me what state you live in so I can research.

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QUESTION: I live in Utah

According to my research, the statute of limitations in Utah is eight years This debt should not be reported on your credit history.  Start a collection diary documenting every letter/conversation with the collection agency.  My advice would be to send a certified letter to the agency explaining your belief that they are attempting to collect on a time barred account and that any further attempts to collect this debt will lead to legal action.  Be prepared to get an attorney and file a lawsuit under the protection given under the Fair Debt Collections Practices Act.

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Ray A Miller


I am qualified to answer questions on the following subjects: FDCPA, FCRA and HIPAA as well as medical collections, general collections and collection agency related issues. I trained these subjects at a nationwide collection agency and customer service call center and audited around 150 representatives for compliance to the laws. I have been in the Collections Industry for over 30 years. I feel that everyone deserves to be treated fairly and with compassion and that is the way I trained collectors. Even though I worked for a Collection Agency, I get great satisfaction in helping those who have been mistreated or in need of help with these confusing issues.


I was the Compliance Administrator with a nationwide collection agency and customer service call center-I have trained hundreds of collectors on the above referenced topics. I have been in the medical collections industry for over twenty years and research these topics on a daily basis.

ACA International

Some college ACA Certified Collection Specialist

Past/Present Clients
I am retired due to medical conditions and spend a good deal of time keeping current on collection issues.

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