http://debt-relief-review.com/1533 Debt Relief Options Reviewed And Rated By You! Tue, 20 Mar 2012 18:16:07 +0000 hourly 1 http://wordpress.org/?v=3.1.3 http://debt-relief-review.com/1533#comment-1429 MISS-MARY Thu, 18 Feb 2010 15:16:44 +0000 http://debt-relief-review.com/1533#comment-1429 They have 7 yrs. They sold the account in most liklihood and the new owners are trying to get anything they can. you must decide if you want it reported or if you have the money to pay them at least a portion to get rid of them? I would do this and I did do this. Write them a certified letter, typed and state that you have received no information on these bills and have nothing showing the debt. Since you aren't aware of it you have spoken to your lawyer and he told you to ask for the original itemized bill for the debt before you pay it. Now, most likely they don't have it and the hospital or Dr. has written it off yrs. ago and did not keep records. if they can't come up with proof then they may give it up. If they do it's a different story. They have the next yr. until the seven yrs. to report it and then it will have to be removed, by law. It's a tough call. If you have no plans to buy anything big in the next two yrs. ride it out.... if you are buying a home it may cause you problems. you can always settle for a fourth of the debt if they start up again after the letter. Also put at the botton cc: and a lawyer's name to make it look good, and file and copy it. Mail it and do not call unless you have decided to pay less than the full amount to keep it off your record. I would ride it out unless I were really buying something and a lot of times car dealerships don't look too much at old medical bills, just depends. They have 7 yrs. They sold the account in most liklihood and the new owners are trying to get anything they can. you must decide if you want it reported or if you have the money to pay them at least a portion to get rid of them? I would do this and I did do this. Write them a certified letter, typed and state that you have received no information on these bills and have nothing showing the debt. Since you aren’t aware of it you have spoken to your lawyer and he told you to ask for the original itemized bill for the debt before you pay it. Now, most likely they don’t have it and the hospital or Dr. has written it off yrs. ago and did not keep records. if they can’t come up with proof then they may give it up. If they do it’s a different story. They have the next yr. until the seven yrs. to report it and then it will have to be removed, by law. It’s a tough call. If you have no plans to buy anything big in the next two yrs. ride it out…. if you are buying a home it may cause you problems. you can always settle for a fourth of the debt if they start up again after the letter. Also put at the botton cc: and a lawyer’s name to make it look good, and file and copy it. Mail it and do not call unless you have decided to pay less than the full amount to keep it off your record. I would ride it out unless I were really buying something and a lot of times car dealerships don’t look too much at old medical bills, just depends.

]]> http://debt-relief-review.com/1533#comment-1428 clawedlemew Wed, 17 Feb 2010 20:38:02 +0000 http://debt-relief-review.com/1533#comment-1428 It has to come off seven years from date of first delinquency (last payment or date of service if no payment was made) so even if they put it on your report it can't stay there long. It has to come off seven years from date of first delinquency (last payment or date of service if no payment was made) so even if they put it on your report it can’t stay there long.

]]> http://debt-relief-review.com/1533#comment-1427 Brian G Mon, 15 Feb 2010 05:25:22 +0000 http://debt-relief-review.com/1533#comment-1427 Most collection agencies are not reporting members of the credit bureaus because they are not issuers of credit. They just buy old debt for pennies on the dollar and make an attempt to collect it. If they are not a reporting member, they cannot add anything to your credit record. So most of them are bluffing when they say they will report it on your credit record. Most collection agencies are not reporting members of the credit bureaus because they are not issuers of credit. They just buy old debt for pennies on the dollar and make an attempt to collect it. If they are not a reporting member, they cannot add anything to your credit record. So most of them are bluffing when they say they will report it on your credit record.

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