Ambulance Co went out of biz 5 months ago.

by Marie
(Downingtown, PA)

Do I owe this debt collector anything? The ambulance bill was $3k and my insurance co only paid $350 towards it. I'm broke so I haven't paid the balance. I just found out the the ambulance company went out of biz in June and this debt collector called me yesterday stating I have 10 days to pay him otherwise further action will be taken.

I never received any notices from the Ambulance Company after the original invoice nor did anyone ever call me to offer payment terms. Zip, nada nothing...

Reply from

The fact that you weren't contacted about this debt doesn't mean that you aren't potentially still liable for it. (Maybe the ambulance's poor billing practices were what led to its bankruptcy!)

However, it is also possible that you have a legitimate dispute over the bill, or that it is too old to be collected (outside the statute of limitations). You don't state how old this debt is, so we can't make any suggestions there.

We would encourage you Marie to at least read the first chapter of Debt Collection Answers online for free so you have an understanding of your rights when dealing with this collector. You are entitled to request written verification of the debt, among other things.

In addition, the collector may have purchased this debt for pennies on the dollar and you may be able to negotiate a low settlement on the debt if you can come up with something to pay.

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