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About rjnjr1019

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  1. ok so iam in ohio, have bills that are past the sol and did not pay the ca. so your saying that they can still come after me to pay them ? and do i have to pay them? they are way past the sol for our state and they are medical bills to a hospital.
  2. have not heard that one yet , do you have a link to the rules????
  3. can a ca put bills on your credit report if they are past the sol???
  4. no they are not aload to call your place of work.....
  5. well i listed them out in a letter and wrote the dates and the account balances and the accounts numbers down that i was paying. and also put account numbers on the check and wrote paid in full , and outlined the ones that i would not pay becasuse of the sol. they just sent me another bill with one account number of the ones that i would not pay and lumped the remaining bills onto a account number that had a ballance of 192.00 and now they show the balance for that account number is 2000.00 so they lumped the remaining balances into one account. i am guessing if i make a payment against that number since they listed as one it would open the sol on the remaining balance i have a copy of the letter i sent i could put on here if ya want to see it
  6. none of this is on my cr report i paid the bills that are not out of sol i refuse to pay the accounts that are past sol
  7. I had been sent to collections and i had 10 seperate account numbers from 10 different hospital visits from 4 different people in my household. there are 10 seperate accounts with different balances.and different dates. can a ca lump them all togather onto one account number? i asked them why they did this and they said that it was easy for them and the customer when they make payments or call in to just give one number and they all come up togather is this legal???
  8. what does dofd mean sorry but i do not know that one
  9. and actually i never stoped making payments and they still sent me to collections
  10. sorry what dofd thats one i dont know
  11. I read on here that a medical bill sol starts at the time of service. anyone know the true to this?
  12. yes i did write the account numbers on the check of the accounts i was paying, not one of these has ever shown up on my credit report, iam assuming since they are out of the sol they can not put the on my cr, iIhave a freind that works for a different ca and she was the one that told me to pay the ones that are not out of sol and do not pay the ones past 6 yrs old she said it did not matter if they lumped them togather or not sol is sol and they where uncollectable she said just return the bills to them and write sol on them and i would not hear from them again ill post the letter i sent to the ca on here HMC 837 Crocker Rd. Westlake, Ohio, 44145 Date Account # Amount 04-17-2006 4366208 $129. 70 02-28-2006 4370252 $248.71 05-14-2004 4353763 $120.57 01-25-2001 4352009 $192.00 06-24-2000 4365609 $297.31 11-17-1999 4352001 $930.00 03-20-1998 4351993 $420.00 01-28-1998 4362208 $350.00 04-06-1994 4361370 $500.00 03-30-1993 4360521 $720.00 Total Of 10 Seperate Bills. $3908.36 Dear H M C, This letter is in response to your bills, statements dated 12-17-2006 concerning the collection of the above referenced accounts. A copy of your bills attached. I will not be taking the offer you made to me of $2750.00 to settle. These are 10 seperate bills with 10 seperate account numbers. I do not believe that I owe this debt, and therefore I am disputing this debt. I have verified the state statute of limitations for debts of this type through Ohio courts as six years. Therefore, the statute of limitations for the collection of some of these dates has expired. However I am sending you payments for the bills that this rule does not apply. Date Account# Amount 04-17-2006 4366208 $129.77 02-28-2006 4370252 $248.71 05-14-2004 4353763 $120.57 01-25-2001 4352009 $192.00 Total of 4 seperate bills $691.05 I hereby require that you take the following actions: 1. Accept this payment in full as the bills older then 6 years are out of the statue of limitations for the state of Ohio (the FDCPA rules apply) 2. Forward a copy of this letter to the creditor who alleges that I owe the debt, inform them that I am disputing the debt and paying the above accounts 3. Any negative reference made by your company on my credit reports to any credit reporting agencies will result in swift legal action against your company. Except as specified outlined herein, I am requesting that you cease all contact with me about the alleged debts. Any further contact should be strictly in conformity with the FDCPA: It should be limited to providing me with the documentation requested in this letter, informing me that you have ceased collection efforts on the alleged debt, or stating that you are taking a specific action in relation to the debt such as commencing a collection lawsuit. Obviously, I would raise the statute of limitations as an absolute bar to any lawsuit. Any further contact should be made in writing, and should be submitted to my home address by mail. By Ohio laws you are not permitted to call my place of employment as you did, or make any harrasing calls and/or false statements, since this is what in fact you have been doing (phone records at work). You need to stop this illegal practice of false or misleading statements immediately.