Court Date for Medical Debt from 2014

[Moofies]

11. Take care of yourself. Meltdowns might happen. If you need mental health support and don't have it, search online for resources in your area.

Resources for the United States
- 911 - Emergencies
- 211 - For Canada and the United States, a useful referall system for health, human, and social services. (Also useful for help gathering resources for attorneys, advocates, and advocates.)
- The National Suicide Hotline: 800-273-TALK (8255)
- Text HELLO to 741741

If you're able, consider confiding in a trusted friend of family member.

 

[quincy]

11. Take care of yourself. Meltdowns might happen. If you need mental health support and don't have it, search online for resources in your area.

Resources for the United States
- 911 - Emergencies
- 211 - For Canada and the United States, a useful referall system for health, human, and social services. (Also useful for help gathering resources for attorneys, advocates, and advocates.)
- The National Suicide Hotline: 800-273-TALK (8255)
- Text HELLO to 741741

If you're able, consider confiding in a trusted friend of family member.

Nice information - but this is straying from the topic of your thread.

 

[Moofies]

@quincy, apologies, it was a moment of anxiety seeping through.

Information/input I'm still seeking regarding responding to the appearance or elaborating/updating my answer, or if I mention any of this to the judge. I'm trying to decide what to include (or not) with the the following, as I haven't been able to ahold of any legal advisors directly:

- The incorrect summary of judgement papers CRLJ 15 at the end of the paperwork informing me of time frames/etc. (Someone said I could include this, but I'm wondering if it's worth pointing out.)

- The wrong information for court times in the legal documents sent to me.

- A hail Mary request for more time for legal consultation. (Do I mention the NJP is swamped and I can't get ahold of them? Does it matter they mailed this to my in-laws and I only got my hands on it mid last week?)

- Any information regarding Charity Care for the hospital visit. Do I state that I feel the hospital should have made it more clear the physicians seeing me don't participate in the hospital's Charity Care/financial assistant program? Do I have any legal defense for this, as most people assume when you walk into an emergency room that it's their policies you're dealing with when you go in?

- Any mention of my insurance, and how they were willing to cover full costs after it was initially denied, and the hospital's billing department refused to confirm the information in order for it to go through. (I believe, if memory serves, they might have sent it to their collection department at this point, but I no longer have this paper trail unfortunately.)

- Mentioning that I've never been approved or denied financial assistance in any way with either the hospital, the emergency physician group, or collectors. Do I respond to the collector's recent phone call about 'likely being denied either way for charity care/financial assistance since the physicians group already wrote it off' and since I've never been informed of any denial of charity care, am I still allowed to pause these proceedings while I try anyways?

- Any information regarding the distressed state I've been in. I was homeless and separated in 2019 and my husband could not legally contact me. The collection agency knew this information, filed for a voluntary dismissal, and immediately re-filed, never so much calling me again to inform me they were proceeding again. (I had my cell phone and only an emergency bag with me for around 10 months.) This is the only phone conversation I've had with the collection agency that I can recall before my most recent call with them the other day. The only thing I can recollect from the conversation in 2019 is explaining my situation at that time. (For what it might or might not be worth, I've seen a psychiatrist twice a week since the beginning of 2016 and do have documentation with him regarding my mental health including a separate major incident leading to being homeless where I was a victim of a serious assault during all of this. I still see my therapist.)

- Am I still writing that I deny this debt at this point?

 

[aldaron]

Anyone notice this debt is 7 years old? Wouldn't the statutory time to legally collect have expired?

 

[Moofies]

Anyone notice this debt is 7 years old? Wouldn't the statutory time to legally collect have expired?

I'm unsure, but I have copies of the medical billing from the hospital and date of services rendered. (It's for two bills, but I've never made a payment on either of the two.)

I wasn't even aware of the second one until recently, but it's from the same group of emergency physicians. It's around $350 and from 2015. (Heh, I just noticed it's from March 8, 2015. Irony.)

What am I looking for?

 

[aldaron]

States have different SOL laws and provisions concerning contact about debts. Attorneys here will chime in hopefully to help you about YOUR states laws and [?] concerning your situation. A lot of states have a 6yr SOL.

 

[Moofies]

The breakdown from the medical bill:

05/30/14 Insurance Denied Claim
06/02/14 Statement Sent
07/28/14 Final Notice Sent
09/08/14 Forwarding to Collections

 

[Moofies]

States have different SOL laws and provisions concerning contact about debts. Attorneys here will chime in hopefully to help you about YOUR states laws and [?] concerning your situation. A lot of states have a 6yr SOL.

That's true, but I need to first know the date of when they start the timer, and whether or not it matters when they started the process of suing me. I was served papers in February of 2020. (After they Voluntarily Dismissed it in 2019.)

Edit: I probably reset the timer anyhow when I called the collection agency on Tuesday. I didn't agree to anything, but I'm sure even calling somehow implies something legally.

 

[Moofies]

Okay, I read a bit of what I could. It starts from the first time it shows up on your credit report, if I'm not mistaken . I looked mine up.

(Collection Agency)
Date Reported: February 12, 2021
Original Lender: (The emergency physicians I mentioned.)
Account Type: Not reported
Responsibility: Joint
Age of Account: 6 years, 3 months
Amount Past Due/Date of Last Payment/Monthly Payment/Payment Frequency: Not reported

As for the $350, it's also there separately and its Age of Account is 5 years, 5 months with the same information as the first one and date of report.

 

[quincy]

The statute of limitations is 6 years and the complaint was filed within that time. There was a reaffirmation of the debt in 2019, too, apparently.

 

[Zigner]

Okay, I read a bit of what I could. It starts from the first time it shows up on your credit report, if I'm not mistaken . I looked mine up.

You are mistaken. The statute of limitations for a debt starts running from the date that you first failed to make a payment that was due. In the case of a medical debt, that would likely be the date it was incurred, since (generally), such debts become due at the time they arise. There are, however, certain various actions that can extend that date...

 

[quincy]

You are mistaken. The statute of limitations for a debt starts running from the date that you first failed to make a payment that was due. In the case of a medical debt, that would likely be the date it was incurred, since (generally), such debts become due at the time they arise. There are, however, certain various actions that can extend that date...

Making even a small payment resets the clock.

 

[Zigner]

Making even a small payment resets the clock.

Right - and there are also other actions that can "extend" the time. That's what I was trying to say in my last sentence.

 

[quincy]

Right - and there are also other actions that can "extend" the time. That's what I was trying to say in my last sentence.

I know. I was acknowledging your post and added an example.

 

[Moofies]

You are mistaken. The statute of limitations for a debt starts running from the date that you first failed to make a payment that was due. In the case of a medical debt, that would likely be the date it was incurred, since (generally), such debts become due at the time they arise. There are, however, certain various actions that can extend that date...

Gotcha. What's reaffirmation of debt?

Making even a small payment resets the clock.

Neither of us did. Just the copay at time of service if that.