
Quoting
jjlucky
I went in to the doctor on 05/08/07 for a neck problem I was referred to physical therapy by the dr I saw I specifically asked if that was covered by my ins. and the reply was yes I just needed to pay the co-pay. A month or so later I received a bill for $400 from the physical therapy place for the treatment. I was making small payments on the bill but they turned it over to a collection agency in Oct. and now I'm getting phone calls saying I have to pay it by the end of Nov or its going on my credit report. Isn't there a certain amount of time that the bill has to be outstanding to be able to send to collections or get reported to the credit bureau? Also is there anything that I could do b/c I was unemployed from 06/22/07 to 11/12/07? And is it true that if you are paying on a medical bill they can't legally send it to a collection agency? Thanks!