Sign in to follow this  
RockDaddy

Medical Debt vs Utilities Debt - pay which first?

Recommended Posts

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

 

Share this post


Link to post
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

Sign in to follow this