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4 Medical Collections from the same CA


creditsamurai
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I have 4 medical collections from the same CA, 3 come off in 2017, one in 2020.   I have disputed and sent validation requests for the older debts(always verified), but have done nothing with the recent collection.  The total amount is for less than $2000, but they have been resistant to doing a PFD.  How would you proceed? 
 

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You cannot force a creditor to do a PFD.  Some have a hard line stance and do not do it.  Capital One is one such creditor in the credit card sector that never does PFD.  If they will not do a PFD your options are to wait it out until it falls off or pay it and have a closed; paid account on your CR.  

 

Contrary to what you read on other sites there is no magic method that will remove medical debt from credit reports and it is NOT a HIPAA violation to report it as a trade line.  They have validated when you dispute it and declined a PFD so your options are limited as they clearly are going to validate and go the distance.

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If the debts are not yet sold, you might try calling the medical provider and give them the old "...oh, my god, I thought insurance paid you guys...and after you took such good care of me...can I send you a check?...and, oh, by the way call off the CA".

 

Once you pay the OC, the CA will have no reason to report...

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