Search the Community

Hey Friends, Long time board member here with a few questions about paying back Medical Debt vs paying Utilities Debt, both are in Collections. Which is preferable? My Goal: To get this stuff off my CR or best case scenario possible. In short, last year I was in a very bad auto accident (only me, no other cars were involved), and I didn't work for a long time due to bodily and brain injuries and have moved several times since last May. All of this happened while living in Florida, though I am not currently there. Mind you, my Auto Insurance covered 80% of things, leaving me with these. (plus a few more NOT currently in collections, question about that afterwards) I have 2 medical bills in Collections (one for $118 and one for $691) and 2 Utility bills ($157 ATT and $221 Duke Energy). Who should I pay first? I have spoken to both CAs at the Utilities - best I can get is 'Closed, Paid in Full as Agreed' but will not Delete. The CA for ATT ($157) has sent me 2 separate 'pay less' offers, but would likely rather pay the full amount so it is reflected on my CR. I have spoken with the $118 Medical CA and they said that once paid in full, they will delete within 30 - 45 days. Should I get this in writing? I've been hesitant to call the larger of the medical ones for $691 because it's a big one. SEPARATE ISSUE- I have a couple other Medical Bills ($406 AND $1920) that are currently very past due but haven't received bills in months, nor are they currently on my CR. Should I call the Original Creditors in this case to try and work things out, or let them lie for now. I would rather send the OC's $20 a month rather than them hit my CR via a CA. I have had one OC accept this arrangement over a $2200 medical bill. Please friends, I'd like some advice. I'm not as sharp as I used to be here and need a hand. I appreciate comments and thank you for your attention! -RockDaddy