Medical Collections and my credit

[PainDelux]

What is the name of your state? Illinois

Several years ago I was put into an inpatient psychiatric ward against my will because some people around me thought that I was acting strangely. I was on a manic end that could have been handled on an outpatient basis. The doctor there would not release me early on until I did 2 brain scans. I refused and then agreed because I felt trapped either way. He did not release me anyway and I was there for nearly 2 weeks. The many days going by and one person deciding whether I could leave made me REALLY .I don’t remember that much from the stay because of the drugs and I came out with a bill of nearly $3700 because my school’s insurance didn’t cover a dime, only clinic coverage. I have written a letter of explanation to the credit agency after getting a credit card denial stating that I was being held against my will and the collections from the hospital were dropped. But the collections for the radio MRI and other procedure remain.

1. Do I have anything to dispute with on my own and escalate it and get this collection removed without paying them a dime for taking me like a prisoner and forcing me to do tests?

2. If I can’t dispute this what can I do to deal with this the best way so that I get it off my report?

3. How long will the unpaid collection negatively affect me?

4. Can I possibly still get a mortgage if I write a letter of explanation to the lender with this showing on my credit?

Thanks.

 

[dtown7]

The first thing I would do is to get them to verify that this is your debt. If they can't verify it by law they have to remove it from your credit report. I believe this negative item can remain on your report for 7 years. If they are able to send you verification that this is your debt then you could call the collection company and try to negotiate a settlement, in your favor of course. You can negotiate things like removing it from your credit report if you pay. Whatever you do get it all in writing as proof. Any thing that you send them send it by certifed mail/return receipt.