so why should the hospital take the hit? They are the ones that actually helped you. Yes, at this point it is a moral issue and I have a hard time with people not paying their bills.If I had 18k laying around I would have paid it. At the time I was unemployed, uninsured, had credit debts, student loans, not to mention the legal fees and court collections I already paid for the accident itself.
that made no difference. They could report it anyway whether you called or not.I question it because I'd like to know if the debt was validated by me calling to talk about it, allowing them to post it to my report legally.
the bill is considered valid unless disputed. and verification of a debt is for a 3rd party collector or owner of the debt. All it amounts to is them contacting the original creditor (OC) and the OC providing a statement that yes, your name is correct and you own $XXXXXX.xx that really is it.so are you saying that since the hospital sent it to the collection agency, they would have had enough verification to assume validity?
technically it is from the date the debt accrued which is technically when service was provided. Given the very small window from that time to the actual creating the billing is so minimal that the date the bill was created is what is going to be used generally.just to clarify, this would be the date the hospital(original creditor) sent me the first bill, correct?
it could be and yes, it should be obvious. It will look pretty much the same as the collection agency's report only with the hospital info replacing the CA info.so even though it is listed once in my report under the collection agency is there another listing somewhere from the hospital not in the report? would it be obvious if the hospital reported it to my credit?
given the issue, I would not hold my breath on a pay for delete but you can always try. Just be cautious you do not take any action that resets the clock on the statute of limitations.

