Health Bill/Negotiating Power?

[xcuzeme]

What is the name of your state (only U.S. law)? IN

This is regarding a bill from a health group for treatment I received from a doctor...

Scenario:

-I had $2,000 in medical bills after insurance; the medical group allowed me to pay back interest-free over a 12 month period

-I missed a month mid-way through, so they sent me a bill for the remaining balance

-I called them and got them to let me back on the payment plan, however, I have not received any bill from them over the last 2-3 months, and have not paid anything

-I now have enough money to pay off the remaining balance in one payment

My questions are:

1) How can I find out if they've reported delinquency on payments to my credit history?

2) If I call back and tell them I will pay off the remaining balance today, do I have any negotiating power to have them retract any negative reporting?What is the name of your state (only U.S. law)?

[Antigone*of*Greece]

Originally Posted by xcuzeme

What is the name of your state (only U.S. law)? IN

This is regarding a bill from a health group for treatment I received from a doctor...

Scenario:

-I had $2,000 in medical bills after insurance; the medical group allowed me to pay back interest-free over a 12 month period

-I missed a month mid-way through, so they sent me a bill for the remaining balance

-I called them and got them to let me back on the payment plan, however, I have not received any bill from them over the last 2-3 months, and have not paid anything

-I now have enough money to pay off the remaining balance in one payment

My questions are:

1) How can I find out if they've reported delinquency on payments to my credit history?

2) If I call back and tell them I will pay off the remaining balance today, do I have any negotiating power to have them retract any negative reporting?What is the name of your state (only U.S. law)?

1 ~ Pull your credit report. You can do it free once a year for all three bureaus from [url]www.annualcreditreport.com[/url].

2 ~ The answer to this question is completely up to the creditor.

[ecmst12]

They don't need to send you a bill for you to pay them. You've made payments all this time so you should know where to send them.

[dfromnyli]

Originally Posted by ecmst12

They don't need to send you a bill for you to pay them. You've made payments all this time so you should know where to send them.

Yeah I was going to say this. They already sent you the bill for $2,000, they are not a credit lending organization so they are not required to send you a monthly bill with a statement of the account.

[cosine]

The last time I bought a car with a bank loan involved, I was not billed every month. I just got a little book of stubs for each month to send payment in with. It was up to me to remember to pay each month. Having the bank send a statement is just a waste of paper and postage. If I make an agreement to pay a fixed amount, why would I need a statement. It's for things that vary, like the electric bill, that needs a statement. Buy a calendar.