Cusegirl770 10 Posted March 19, 2015 Report Share Posted March 19, 2015 Today I received a letter for the remainder of an unpaid medical bill from National Patient Account Services (NPAS, LLC). I just checked my credit reports and the collection has not yet reported to the CRAs, and of course, I don’t want it to. I have the thirty days to dispute, etc. Should I just contact the CA to ask for a pay for deletion (under $400) or can they not report anyway because I am paying right away before the thirty days? OR, should I send the payment to the hospital and hope they accept the payment and then if it does hit my CR, dispute as previously paid? OR, should I DV them to stall it out to buy time? OR, is there a better, faster, saner way to handle this situation? My son broke his thumb and the bill was $1000 after insurance paid their portion. So, the debt is valid. I have been successful in getting my credit in working order (fako is 700) and I'd like to keep it moving in the right direction. Advice, please? Quote Link to post Share on other sites
TomnTex 389 Posted March 19, 2015 Report Share Posted March 19, 2015 I would skip the CA and go straight to the hospital and see what you can workout. You would be better served that way. Do it quick. Quote Link to post Share on other sites
WhoCares1000 768 Posted March 20, 2015 Report Share Posted March 20, 2015 DV the CA to stop them from doing anything and then go to the hospital and see if you can work something out. Quote Link to post Share on other sites
