I just received a statement from a medical facility stating I owe them a couple hundred bucks plus $100+ in interest. Date of service is supposedly 10/06. I am in California. This is the first bill I have received, and I have lived at this address for over 4 years.
My previous question
was a success! YAY!
But I now live in California and the creditor is a medical facility. It confuses me, because they have always had my address on file. That's how they found me for this "Account Balance Notification".
What is different, is that they have not reported derogatory info. to the Big 3 yet.
I know the statute of limitations, as I understand, is 4 years. Date of Service according to this form from a "collection service" is 10/18/2006. (I think this may be the "in-house" collections for this large hospital system)
Do I call the hospital and try to pay it, (minus the 30% interest) if they can prove it's mine? (bill without interest is only high $200, but interest is a little over $100!) If I go this route, do I want it in writing that they won't report? How do I make sure they wipe the interest off of a bill they never sent? FWIW, I had insurance at this time.
According to this "Account Balance Notification" they say if I pay they will not submit a negative to the credit reporting agencies. But I know from my previous question, not to trust.
How do you suggest I proceed? Call the hospital, the "collection agency" for this large systems of hospitals, or .. Of course, they want me to pay "the agency".
Sadly, ArtofCredit website doesn't seem to be "up" any more.
Recap--I have my credit reports, no derog. on them. I have not called the medical facility or "collection" company.
What to do?