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Medical Collections- Help!!! Nco Financial Is Eeeevil!

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C

cherubee

Guest
What is the name of your state?What is the name of your state? TENNESSEE

My husband took me to Stonecrest Medical Center Emergency Room in Nashville for extreme headache and neck pain, that had lasted over a period of days. We were without insurance. My insurance at work would become effective 7/04. Too little too late. Anyhow, after being there for several hours and being given several doses of narcotics which did not alleviate the pain in any way, they told us that we would probably be more comfortable at home. In other words, nothing was accomplished. They refused to give any pain relief prescriptions and told me to contact a neurosurgeon (they gave a specific one to contact) and sent us on our way to the checkout desk. They made us put down a sizable payment ($250.00) and agree to $125/mo payments which we told them would be very difficult for us to make those payments and that we would do the best we could. The check out process was already so lengthy and my husband didn't want to see me sitting in a chair in pain while he went through what we are now referring to as VEHICLE FINANCING with the check out clerk. We felt like we made this agreement under duress. I was always under the impression that in general with medical bills, as long as you are paying something, everything should be fine. I have forwarded my records of payment (these payments are $10-$25 - my husband is no longer employed) to the collection agency and they insist on telling me that the rules do not apply here. (I have been making timely but small payments to the hospital and they have been cashing them) They can cash my checks and still hold me to the original payment agreement and garnish my wages because they are a "privately held company". Is there anything we can do? Please advise. Another thing I would like to note, is that the next day after leaving the hospital, we called the neurosurgeon because my pain was unbearable and her office said she couldn’t see me until mid-June. They wouldn’t offer me any advice, or prescribe anything and refused to refer me to anyone except to say that I “could go back to the emergency room if I wanted”. During this illness, my hearing started to become impaired, and it has not improved… if anything, it may be worsening. Isn't that lovely? :( My point is, you can only afford what you can afford, and situations change DAILY. It just doesn't seem right. ALSO- I have been informed that since I had no insurance at the time they could have helped me apply for emergency Tenncare. They did not offer this to me. Does anybody know anything about that? Thanks for your help/advice in advance. :)
 


Ladynred

Senior Member
I was always under the impression that in general with medical bills, as long as you are paying something, everything should be fine.
Unfortunately, this is a myth. When it comes to hospitals ( and I work for a BIG local healthcare company), they will only wait 90 days before they send the account to collections and there's not a thing you can do about it. They will not wait on $10-25 a month to pay a bill.

to the collection agency and they insist on telling me that the rules do not apply here
Rules ?? WHAT 'rules' ??? They are a 3rd party debt collector and MUST abide by the FDCPA same as every other debt collector in the US !

They can cash my checks and still hold me to the original payment agreement and garnish my wages because they are a "privately held company".
HOGWASH ! - at least that bit about the privately held company and wage garnishment. What kind of company they are is completely irrelevant. NO ONE can garnish your wages until the sue you and win a judgment against you - NCO is NO exception.

If NCO is bullying you and being nasty, then I suggest you get real cozy with the Fair Debt Collections Practices Act (FDCPA) and remind NCO that they ARE bound by that law and cannot verbally abuse, harrass or make threats of actions that they cannot legally take or do not intend to take.

Not sure about being referred to Tenncare, but it does sound like something the finance people at the hospital should have covered with you. Try calling Tenncare and ask them.
 

cotterpin

Junior Member
Ladynred said:
Unfortunately, this is a myth. When it comes to hospitals ( and I work for a BIG local healthcare company), they will only wait 90 days before they send the account to collections and there's not a thing you can do about it.
The standard dunning process in the medical industry is 90 days, but if you've been in collections before, sometimes they will send it sooner. There is no "waiting" period required before a hospital or medical provider has to fulfill before sending your account to a collections or any other type of outside billing/collections agency.

In this day and age, most medical providers outsource their billing and collections, try contacting the manager of patient accounts to see if he/she can help you out.
 

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