It's life. Checking through my crappy insurance, then seeing a special note that I've been sent for collection somewhere for some charge that I have no idea where it came from except the hospital.
F*ck! Not again. I haven't even gotten a letter from whatever agency they used so it's time to call, find, and fight again. I guess it's good it's not my first rodeo. The first two times was from a hospital in MD. Twice. They removed me after the first time then sent it back to collection again while I was disputing the claims again since I had good insurance which should have covered what they weren't covering. After a year and a half it was resolved and removed from my credit history.
The third time was Verizon for a ridiculous amount of $70 or so dollars on my last NJ bill when the check was literally in the mail after I'd moved to NYC and closed the NJ account. I was a little harsher on the rep then, after post-move fatigue. Cleared again.
So here we are and the only reason I know is a small note at the bottom of another bill that I legit owe to them indicating there's a collection agency involved. I have great credit overall so this really pisses me off. Collection agencies are obligated by law to send an official notice if they become involved, so I should know about this already, conversely I'm glad I found out ahead of time so I can start to figure out what the hell happened.
I will start polite, but considering this is the fourth time in my life and getting older and crabbier when it comes to health insurance and knocking down my credit score, I will turn bitchy before I take a breath. If you're going to send me to collection please a) notify me ahead of time and b) make sure that the charges are accurate and not insurance rejection driven when not justified as per my policy.
When fighting collections, always bounce it back to the original biller. Figure out what the charge is for and if you have a case. Then call collections and make sure it's off their books. Finally check your credit score if possible to not lower it to ensure that all that should have happened actually did.
It's frustrating. It's draining. But it's necessary in this country and the collection companies can suck it. I will fight them.
F*ck! Not again. I haven't even gotten a letter from whatever agency they used so it's time to call, find, and fight again. I guess it's good it's not my first rodeo. The first two times was from a hospital in MD. Twice. They removed me after the first time then sent it back to collection again while I was disputing the claims again since I had good insurance which should have covered what they weren't covering. After a year and a half it was resolved and removed from my credit history.
The third time was Verizon for a ridiculous amount of $70 or so dollars on my last NJ bill when the check was literally in the mail after I'd moved to NYC and closed the NJ account. I was a little harsher on the rep then, after post-move fatigue. Cleared again.
So here we are and the only reason I know is a small note at the bottom of another bill that I legit owe to them indicating there's a collection agency involved. I have great credit overall so this really pisses me off. Collection agencies are obligated by law to send an official notice if they become involved, so I should know about this already, conversely I'm glad I found out ahead of time so I can start to figure out what the hell happened.
I will start polite, but considering this is the fourth time in my life and getting older and crabbier when it comes to health insurance and knocking down my credit score, I will turn bitchy before I take a breath. If you're going to send me to collection please a) notify me ahead of time and b) make sure that the charges are accurate and not insurance rejection driven when not justified as per my policy.
When fighting collections, always bounce it back to the original biller. Figure out what the charge is for and if you have a case. Then call collections and make sure it's off their books. Finally check your credit score if possible to not lower it to ensure that all that should have happened actually did.
It's frustrating. It's draining. But it's necessary in this country and the collection companies can suck it. I will fight them.
posted by AnonymousX at 11:40 PM
0 Comments:
Post a Comment
<< Home