About 'debt collection medical bills'|RX For Medical Collections
The Fair Debt Collection Practices Act (FDCPA) was passed in 1978 as part of the Consumer Credit Protection Act. The FDCPA puts restrictions on how debt collectors may seek to collect on debts, and it gives consumers certain rights in relation to debt collectors. The FDCPA is a federal law, enforced by the Federal Trade Commission (FTC), and thus it establishes a minimum standard that all states must honor. But states are free to-and some have-institute more stringent regulations. The FDCPA applies to personal, not business, debts, including debts associated with mortgages, automobiles, medical bills, credit cards, and more. An important distinction is that the FDCPA only applies to debt collector businesses, including attorneys. That is, if Sears is after you for not paying your bill, and they use only their own in-house debt collectors or attorneys, the FDCPA does not apply (though of course there are other laws that do). But if they hire a third part collection agency to go after you, then the FDCPA comes into play. If you notify the collection agency in writing that you dispute the charge, then they may not contact you again unless and until they can produce proof of the charge. If you notify them in writing that you do not want them to contact you again (without necessarily disputing the charge), they may contact you only once more, to inform you what action they or the creditor intend to take. If you notify them in writing to deal exclusively with your attorney, they may not contact you again but must from that point contact your attorney only. Within five days of their first contacting you, a collection agency must send you a written notice that includes the name of the creditor and the amount of money it is claimed you owe. It must also include that you have thirty days to dispute the charge, that if you do so they must obtain proof of the debt and provide it to you, and that if you request it within that thirty day period they must provide you with the name and address of the original creditor if it differs from the current creditor. In addition, on that and every subsequent written communication, they must provide a Miranda-like warning that they are acting as a debt collector and that anything you communicate to them may be used to facilitate their collecting from you. The FDCPA prohibits a collection agency from doing any of the following: * Threatening that you will be arrested if you don't pay them. * Threatening you with actions they do not intend to take. So they can warn you they are going to sue you, warn you they are going to report the debt to credit bureaus and harm your credit, etc., but only if they really are going to. They can't bluff. * Lying to obtain information or influence you to pay. (A popular tactic in the old days was to call to let you know a loved one had been rushed to the emergency room, and when you arrive there distraught, they meet you to inform you there was no accident but that they will continue to do such things to stop you from avoiding them, until you pay up.) * Calling you frequently enough to be harassing, or calling you before 8:00 AM or after 9:00 PM. * Calling you at an inconvenient time and place. For instance calling you on your cell phone when you're at your child's school for a PTA meeting, or calling you at work when they know you're not allowed to receive non-work-related calls. * Contacting a third party about your debt, such as an employer, friend, neighbor, relative, etc. * Using stationery or envelopes designed to mislead that they are coming from a court or official government source, or that makes it appear they are attorneys (if they are not). * Using obscenity, racial slurs or insults in their communication with you. * Telling you to send post-dated checks with the intention of prosecuting you if they bounce. * Suing you in a court inconveniently far from your place of residence. * Adding collection fees or interest charges not permitted by your contract or by the law. Unfortunately, the number of people who even know the FDCPA exists is tiny, so people continue to be harassed by collection agencies, even though they could quickly put a stop to it if they knew how. |
Image of debt collection medical bills
debt collection medical bills Image 1
debt collection medical bills Image 2
debt collection medical bills Image 3
debt collection medical bills Image 4
debt collection medical bills Image 5
Related blog with debt collection medical bills
- ducknetweb.blogspot.com/... off or settled medical debt collections in assessing a consumer’s credit worthiness. In addition, the bill will require the creditor or credit...
- newsroom1.wordpress.com/...Baltimore Sun series on bad hospital debt collection practices included... by the University of Maryland Medical Center for a hospital bill that should have been ...
- allexpertsblog.blogspot.com/...teach them to demand validation of the debt. Teach them that although everybody has a moral obligation to pay their bills it is not a crime to refuse to pay...
- unsecureddebt123.wordpress.com/..., the hospital or collection agency will need that information too. If... that help out with medical bills. Try the Access Project, the CancerCare...
- myartsubmit.blogspot.com/...your credit cards occur. Medical Debt Negotiation: What You Can Do: First...The US Government passed a bill called the Fair Debt Collection Practices Act which...
- perfumesmellinthings.blogspot.com/...Radio Head (Thom Yorke is a god), Tori Amos, and Mindy Smith. I also have a huge collection of Latin masses on my Ipod. Favorite Artists? D onald Roller Wilson. (Yes...
- reclaimcreditconsultants.wordpress.com/...usually be corrected. Still, the idea of having a medical bill sent to collections by default is a terrible practice, in my opinion. If you’re...
- credit-report-i.blogspot.com/
I have medical bills on my credit report in collection. Can I get them to settle and delete from cre
... so try that.. I have medical bills on my credit report in collection. Can I get them to settle...need to do before you settle this debt, talk to the company have ... - latimesblogs.latimes.com/entertainmentnewsbuzz/...truthout.org) Right now, any medical debt that gets sent to a collections agency can remain on your... at a bill that would erase some ...
- prosperlending.blogspot.com/...way to pay medical bills, especially the big...or have serious medical conditions...and doesn't have a "collections" feel at all. It... the bad debt and then tries...
Related Video with debt collection medical bills
debt collection medical bills Video 1
debt collection medical bills Video 2
debt collection medical bills Video 3
0 개의 댓글:
댓글 쓰기