august82006 Posted January 5, 2008 Report Share Posted January 5, 2008 I am 36 y/o and had a nice credit until I had an accident a year ago. I was not at fault but the accident had resulted in broken elbow and numerous medical bills. I hired an attorney to handle the bills and transaction but hospital sent the bills to collection already.I have recieved some documents from the lawyer that the settlement has aleady been made and that the bills has already been paid. I told the attorney about my damaged credit but she said she couldnt help. I am now scrumbbling to get it fixed as I felt its not fair to have it appearing in my credit.Any help or any information can help...Thank you very much.august82006:-( Link to comment Share on other sites More sharing options...
rmuse00 Posted January 5, 2008 Report Share Posted January 5, 2008 Welcome! Sorry to hear about your accident but glad you are doing ok. The first step would be to get a copy of your credit reports. By law every consumer has the right obtain a free copy of their credit reports from every reporting agency every 12 months. You can go here to get one:https://www.annualcreditreport.com/cra/index.jspOnce you have had a chance to look over your reports you can then devise a plan on what and how you would like to start on. In the meantime you can start by reading here:http://www.creditinfocenter.com/repair/Repair.shtmlContinue to read the "sticky posts" at the beginning of each section that might pertain to your situation. Remember you can use the search option for a specific question that might have already been addressed. Some added reading:Fair Debt Collection Practices Act (Guidelines on what collection agencies can or cannot legally do when collecting debts)http://www.creditinfocenter.com/legal/FDCPA.shtmlFair Credit Reporting Act(Govern how your credit history should be reported and for how long) http://www.creditinfocenter.com/legal/FCRA.shtml Link to comment Share on other sites More sharing options...
Amerikaner83 Posted January 5, 2008 Report Share Posted January 5, 2008 everything she said, Yes. Link to comment Share on other sites More sharing options...
rmuse00 Posted January 5, 2008 Report Share Posted January 5, 2008 Also August, you might want to do a search for "medical". You will find tons of info regarding medical collections if that's where you want to begin. Link to comment Share on other sites More sharing options...
august82006 Posted January 6, 2008 Author Report Share Posted January 6, 2008 this community sure is a big blessing for me. Thank you very much and I will most probably consult every bit of the way I will take on this venture. If you have other info that will be helpful, please... thanks again. Link to comment Share on other sites More sharing options...
hasas13 Posted January 6, 2008 Report Share Posted January 6, 2008 This takes time. Keep on going. Link to comment Share on other sites More sharing options...
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