Collections Law/Dental Bills

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Expert: Apex Credit Services, LLC - 12/20/2007


Question
My husband saw a dentist who performed agressive treatment, maxing out our insurance benefits, while still not fixing the problem. He contacted a mediator who advised him to refund the portion we had to pay another provider to fix the problem, which we received back. There is $48 we still owe to the first dentist for xrays related to the problem. They are now sending us to collections for this. We don't feel we should have to pay this, they are not willing to work with us. What would the effects of this be on our credit should we allow it to go to collections? Our credit scores are both mid-700's.

Answer
Brenda:

    Honestly, just pay it.  The negative effects upon your credit are not worth fighting over.  Particularly, when the underlying dispute is a mere $48.00.

    Just as with anything else, we all must pick and choose our battles.

           Apex Credit Services, LLC

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Apex Credit Services, LLC

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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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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.

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Flagstar Bank Chase Bank

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Flagstar Bank Chase Bank

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