2013년 11월 25일 월요일

About 'debt collection medical bills'|RX For Medical Collections







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
debt collection medical bills


debt collection medical bills Image 1


debt collection medical bills
debt collection medical bills


debt collection medical bills Image 2


debt collection medical bills
debt collection medical bills


debt collection medical bills Image 3


debt collection medical bills
debt collection medical bills


debt collection medical bills Image 4


debt collection medical bills
debt collection medical bills


debt collection medical bills Image 5


  • Related blog with debt collection medical bills





    1. ducknetweb.blogspot.com/   03/15/2012
      ... off or settled medical debt collections in assessing a consumer’s credit worthiness. In addition, the bill will require the creditor or credit...
    2. newsroom1.wordpress.com/   12/22/2008
      ...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 ...
    3. allexpertsblog.blogspot.com/   07/24/2008
      ...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...
    4. unsecureddebt123.wordpress.com/   06/02/2012
      ..., the hospital or collection agency will need that information too. If... that help out with medical bills. Try the Access Project, the CancerCare...
    5. myartsubmit.blogspot.com/   07/12/2012
      ...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...
    6. perfumesmellinthings.blogspot.com/   09/15/2007
      ...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...
    7. reclaimcreditconsultants.wordpress.com/   04/21/2011
      ...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...
    8. credit-report-i.blogspot.com/   05/26/2010
      ... 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 ...
    9. latimesblogs.latimes.com/entertainmentnewsbuzz/   08/01/2011
      ...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 ...
    10. prosperlending.blogspot.com/   06/17/2009
      ...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




    debt collection medical bills































    0 개의 댓글:

    댓글 쓰기