Should I pay, and if so, who?
December 1, 2006 10:26 AM Subscribe
Should I pay the credit agency that has hounded me? It sounds silly that way, but there's always a story...
posted by RikiTikiTavi to work & money (16 answers total)
We've got this medical bill from an ambulance company that requires proof that an amublance transfer was "medically necessary" for our insurance to pay it. It was, without question, but for a variety of reasons (mostly due to the massive inconvenience of getting everything together) I haven't been able to get the signed statement out of the provider yet.
It's been over a year now, and the bill has been transfered to a credit agency for some time now, and they kept hounding us for some time, and now they've stopped. But we still haven't paid.
This isn't a huge amount for me (a few hundred) at the moment, though it's not trivial. We're of course accruing heinous interest on the balance right now.
1. I'm assuming I should pay, right? If so, do I pay the credit agency? Or have they somehow "written it off"? I haven't really dealt with this kind of thing before. I'm not under the impression that I should *not* pay, but there's all sorts of odd advice out there.
2. Should I bother getting this paid by insurance after I pay it? If I manage to get proof to the insurance company, will they then send payment to the ambulance company (and not the credit agency), and I'll never see it? If they still manage to send it to the credit agency after I pay them, would I see it?
3. What is the likely effect on my credit? We have had ultra-super amazing credit rating, so it'll be sad to see that get tarnished. If there is negative effect, can I mitigate or eliminate it?