Legal Advice on Medical Debt

If a debt collector is harassing you over a medical bill, you may be able to get free or low cost legal advice on medical debt collection. Learn more.



If you have medical bills you are having trouble paying, or you believe are wrong, you probably are wondering, "What are my rights?"

If you are contacted by a debt collector, keep in mind that medical debts are treated like any other kind of debt under the federal Fair Debt Collection Practices Act. Your state may have its own law that applies to the collector, or the collection of medical debts, as well.

Under the FDCPA, the debt collector must send you written notice of the debt, verify the debt if you dispute it, and avoid unfair or deceptive collection tactics.

If the collection agency breaks the law, you may be entitled to damages and the collector may have to pay your attorney's fees as well. For this reason, and assuming you have a strong case, some consumer law attorneys will represent you at no cost to you. 

Success Story: Getting a Medical Collection Off Your Credit

Would you like to hear how one woman was able to fight back against a medical bill debt collection problem, and protect her credit?

Listen to this podcast now, or download it to listen on your iPod, iPad or smartphone:

How to Handle Medical Collection Problems

Our medical billing system is broken, and it creates huge problems for many Americans. Here are some resources if you are dealing with these issues:

  1. Start Here: Read about medical debt collection
  2. Learn how the federal Fair Debt Collection Practices Act protects you here
  3. Learn about state laws regarding medical debts

Is a debt collector harassing you about a medical debt?

If a collection agency is harassing you over a medical debt, contact a consumer law attorney for a free, confidential case evaluation with an attorney.


Do you have a question about medical debt collection?

Please read our page about medical debt collection and peruse the questions below for answers to your question.

If you still have a question about medical debt collection, we recommend you reach out to the following places for help:

  1. If a third-party debt collector (not the medical provider itself) is harassing you about a medical debt, contact a consumer law attorney for a free consultation.
  2. Reach out to state government agencies. Try your state attorney general's office and your state insurance department. Ask them for help understanding your rights with a medical billing problem.

Update: August 2012: We have closed this form to new questions We have received a flood of questions about medical bill disputes and we are simply unable to answer all of them. Please use the resources above to find answers. We apologize! It's clear the medical billing system is broken and needs fixing.

Medical Debt Collection Q&A

Click below to see questions from other visitors to this page...

Can bill be sent to father to complete payment 
Can a medical collection bill be changed to the fathers responsibility if I have already paid my portion

medical bill should be covered by charity care 
I wasa 20 year old female with a part time job and no health insurance when I needed emergency room care. In May of 2011, I sent to the emergency room …

medical debt 
I owe $145 on a doctor bill. I recently got a job and am paying $20 a week on it. They say this is not enough and if I don`t pay the $105 immediately they …

confused -- Debt in collection but I paid something every month 
why was I turned over to debt collection when I paid something every month

How can I negotiate a 9,000 medical bill  
I involuntary took a ambulance to the general hospital in San Francisco about a year ago and was only billed for the hospital stay and not the abulance …

Medical Bill was Sent to Collections While I was Making Monthly Payments 
I live in Dallas, Texas and I had a radiology bill sent to collections while I was making monthly payments. I told the representative I had other medical …

interest rate on medical bills in OR 
I am needing to know the interest rate a collection agency is allowed to charge me in the state of OR. Thanks

PAY OFF AMOUNT  
WHAT IF YOUR MEDICAL BILL IS IN COLLECTIONS AND YOU ARE ABLE TO PAY IT OFF BUT HAVE LIMITED FUNDS AND CAN ONLY AFFORD A SETTLED PAY OFF OFFER INSTEAD OF …

Debt from childhood? 
I Live in East Texas. My question is, i went to the doc. and was informed I had a debt of seven hundred and some change from 2002. In 2002 I was 11 years …

Medical bill processed inadequately by hospital 
Hello!! My father is a 70 year old man. Who had a pace maker put in on august 2009 prior to this procedure, he was sering by his cardiologist who had …

Spouses medical bills 
My husband had a knee surgery while we were married in the state of Montana. We divorced and he filed bankruptcy. Now I have pulled my credit report …

Payment made, but still sent to collection agency 
Have heart disease and went to Plainfield, New Jersey emergency room fearing heart attack on July 18, 2011(have 2 stents). Doctor's bill came to $779.16. …

Can the State hold your refund because of hospital bills? 
In 2006 my Husband had to be hospitalized. My husband is Cherokee and goes to the Indian hospital which medical care... is free. The Indian hospital wanted …

Hospital bill balance 
I live in South Bend, Indiana. I recently had major spine surgery. I have good insurance and they are paying 80% of the hospital bill, however that still …

Medical Bill 
My step daughter had some lab work done, and we just recieved the bill. On the bill it says: Patient Name: (her name) then under it it says Responsible …

Can a hospital bill me 4 years later for something? 
My daughter was admitted into a psych ward when she was 16. That was 4 years ago and they are just now sending me bill. Can they do that?

Medical debt collector 
I have been contacted by a collection agency that said they were not a collection agency & refused to send anything in writing. I was told amounts & dates …

Interest 
Can a collection agency charge me interest on bills that the insurance company paid in full? I never received the bills due to moving several times. When …

Crooked Chiropractor Referral, a Denied VA Claim and $1000 bill 
The VA referred me to a chiropractor while I was out of town on business. I didn't get the referral letter until I got back, a few months later. I called …

My sister lives with me and has no assets or money. 
My sister is totally dependent on me for her livelihood. I allow her to live in my house and I provide all expenses: groceries, utilities, etc. Therefore, …

Medical debts collections 
Can a medical debts be taken from from my state tax refund?

Are you resposible for a medical bill over 8 years old? 
I received a called from a collector regarding an 8 year-old medical bill, which I wasn't aware about to begin with, since my insurence should have covered …

smallest legal monthly amount 
What is the smallest legal amount I can pay and they have to accept it. I was recently sued, and they won concerning that I owe the debt. I am going to …

Collection 
Can a collection agency refuse to settle a bill? Or lower ur interest?

Do I respond to a debt collector? 
I received a bill from a debt collector for a medical expense my daughter incurred 8 to 10 years ago and which I thought was paid. Do I respond to the …

after how long bills go to collection in texas 
i had auto accident in texas and my insurance did not covered hospital bills,after how long will they send them to collection

medical bills from late husband 
My husband and I were married for 10 years. I divorced him in 10/2010. In March he was diagnosed with stage 4 terminal cancer. We remarried and was …

Do I have to pay for my Ex wife's dental bill? 
My ex (or soon to be) wife are going through a divorce. She filed for divorce on October. Now March, I received a bill from her dentist, addressed to me, …

Do I have to pay for a failed treatment ? 
In 2010, I received radiation treatments for prostate cancer. The treatments didn't work at all. My PSA kept on rising from 0.36 (prior to radiation) …

Medical Rsponsibility for 19 year old who lives at home 
We adopted our son at age 15. He is now out of high school, no job, no plans for the future. He had a medicare card until he got out of school. Now he …

Hospital billing for a service 4 years after the service 
I just received a collection letter from a 3rd party service for a bill from Rush Hospital for services in 2008. I was never billed for these services …

sending a cease communication letter 
Greetings: My mother spent 5 months in a hospital for terminally ill cancer patients in New York Nov 2008 to April 2009 I slept there and almost daily …

Legal Aid 
How would I be able to qualify for legal aid? I received a summons from my county stating I have a court date for a past due medical bill. Its a little …

Vacationing child 
Grandma took child to hospital now im in collections is this my bill if I did not sign

Mother passed away who pays medical bills 
My mom was under my insurance as a dependent. My insurance was covering 90% of her bills. So a 10% remains unpaid and she was planning to pay, but she …

Disputing medical bills 
I recently heard that medical bills can be removed by disputing them numerous times after the collection agency has purchased them from the original creditor. …

unpaid medical bills 
can my pension checks be garnished for unpaid medical bills in new york state

Medical payment accepted 
I went to the doctor on 09.26.2011 in the State of Texas. The total on the bill was $288.24. Since that date I have made a payment of $25.00 on 10.29.11, …

hospital bill 
can a hospital take your tax refund for a bill of when you went there when you were under the age of 18? can they really hold you responable for that bill? …

medical bill 
can a doctors office send you a bill that is over 5 years old

if im sued can the debt collectors take my car thats in my mothers and my name 
I have a car that i make payments on but my mother and i are both on the loan and title because i did not have the credit to buy the car. if i am sued …

medical collection 
I was never contacted about a collection from 2009. Now it has interest rates and they won't send me anything verifying the debt. They are very unwilling …

PPO contract with doctor and hospital. 
My son, a minor at the time had a hernia type surgery in Oct. 07. The bill to the doctor and surgery center were paid in full by myself and ins. A year …

Intrest on a hospital bill turned over to collections  
I was put in the ICU Dec.16th of 2010. When the hospital starting sending me bills I would send in payments. They kept me confused by sending several different …

Newborn's medical expenses in collection  
In all the stress and excitement my daughter forgot to inform their insurance carrier to add their newborn within 30 days. She is now almost 6 months …

13-year old hospital bill 
Can you be sued 13 years after a hospital bill you thought was payed off by your parents when you were 17

Medical Debt Collection cancel union insurance? 
My boyfriend is a working union member in Alaska. My question is can his health insurance be deiend if he has past over due bills from a hospital. I believe …

In California, how long before a medical bill you are paying on can go to collections? 
In California, after how long can a medical bill you are paying the monthly installments that you worked out with a facility be sent to collections. I …

Can i be responsible for my 24 year old daughters medical bill 
My daughter was 24 when she went to a doctor in a diffent city. She was technically on my medical insurance but was self supporting. I didn't sign anything …

HOPSITAL BILL 
CAN THE HOSPITAL TELL YOU YOU HAVE TO PAY OFF THE BILL IN A YEAR OR YOU WILL BE ON BAD TERMA WITH THE HOSPITAL AND THEY MAY DENIE SERVICE

late medical bill put in collections. 
I had gone to the hospital and my insurance information was not put thru. I pulled my credit report and 8 months later the bill has shown up on my credit …

Wifes medical bills 
My wife's medical is getting put on my credit report in Utah I never signed anything or filled out anything? Help

WADGE GARNISHMENT FOR UNPAIND HOSPITAL BILL 
IN MONTGOMERY AL CAN THEY GARNISH YOUR WADGES FOR UNPAID HOSPITAL BILL

Who is legally responsible  
If I was 18 at the time of the debt but my mother was listed as responsible party and fails to pay, can they collect from me?

responsiblity for mothers medical bills after she passed 
What are my responsibilities to pay my mothers medical bills when there is no life insurance money left?

Bill sent to collection without being sent to insurance or patient 
My husband visited the emergency room for a worker's comp visit in May 2011. He recieved notice to provide the workers comp insurance information and responded …

Statute of Limitations for sending medical bill 
I had a procedure done last year in July '11. We were told that all medical bills had been paid by us to medical facility and Dr.s offices. They just …

Balance billing? 
I was admitted to Sierra Medical Center in February 0f 2011 for a heart related issue after going into the Emergency room. I presented my Medical Insurance …

Spouse Dental Bill 
My spouse is the primary card holder on our insurance, I am listed as a dependent. Can an outstanding dental bill for my husband be put on my credit report? …

Taking me to court? 
I went to the hospital in June (2011) because I had fallen into a window and cut my arm open. They started sending me bills for hospital visit, but I just …

Calling my emergency contact? 
Today a medical debt collector called my mother in an attempt to collect my medical debt. She is listed as my emergency contact on medical forms but there …

child medical bills 
I was a minor at the time of this charge and the company is now saying that since I am an adult that it is my responsibility. Is this true?

Disputing Dental BIll 
I received a bill from the dentist that says I owe $729, I had never previously been billed or received an itemized list of services. I called the dentist …

Hospital Bills 
My father passed away 3 1/2 years ago. I just recently recieved a bill from the hospital for 4,000. Am I responsible for the bill. He had insurance at …

Am I responsible for this medical debt? 
When I was 16 I got hurt and my parents took me to the doctor. Now I have collections on my credit report. Am I responsible and can I sue them for it. …

Tax Interception 
I was recently intercepted by a collector for a bill that happened prior to me turning 18, getting married, and I've never seen a paper saying i owed. …

North Carolina limitations for paying medical bills 
Is there a limitation in North Carolina where you do not have to pay a medical Bill.

medical bills in Missouri be collected 
How long can medical bills in Missouri be collected?

I am being sued for my late husband's unpaid medical bills.  
I am being sued for my late husband's unpaid medical bills. My husband passed away three weeks ago and a debt collection agency filed a lawsuit against …

lein on my home 
I owe Yale hospital in connecticut for a transplant that my medical insurancw wouldnt pay because it took place in connecticut and I live in new york(crazy) …

19 year old's medical debt. 
I am a 19 year old full time college student. I still live at home with my parents and only have a part time job. I recieved a call while at work from …

Reporting my medical debt on my husband's credit report 
Can a collection agency report my medical debt on my husband's credit report? We live in SC and the debt collector said that in SC it is a "privlege" to …

Medical Bill 
Back in 2005, I received medical attention from a Chiropractor. The bill is 2000.00 which I learned from the coolectiopn agency pay 135.00 a month. She …

What a mess! 
I am in Va. I went to a local hospital for chest pains on Monday, Jan. 30,2012. I work part time with no benefits. I was asked for $250 deposit when I …

$1.00 payments 
Can I make $1.00 payments of my $50.00 medical debt to the debt collector? i want to do it in this way because i didnt like the way his rep is talking …

medical debt collectors reporting to credit bureau. 
I was told that there is a federal law protecting you from having your medical bills reported to the credit bureaus and that if they are on your credit …

Statute of limitations 
My doctor just sent me an invoice from 11/2010 in 02/2012. I am insolvent and don't see this doctor anymore. Do I have to pay this doctor as it's a ridiculous …

dead ex wife debt 
after a lengthy divorce battle my ex wife just two weeks after the divorce was final passed away, in the decree there was a medical bill she withheld …

Currently paying medical debt, now being required to pay more. 
I have been paying on a medical debt for app. 2 years now. The same amount has been paid on the first of the month without missing a payment. Now I am …

Medical debt of an 18 year old 
In Ne. are the parent liable for the medical bills of their 18 year old?

can debt collectors come after my mom if she claims me as a dependent 
can my debt collectors, pretty much hospital bills. come after my mom for these debts if she claims me as a dependent on her taxes?

dental bill 
I saw the dentist back in 08 & 09 and I recently in 2012 received a bill from them for $1300.00 saying I owe them because they never submitted the claim …

help 
If I have a bill for almost 900 and detd collectors agree that it was my husbands fault for abuse do i have to worry abt it or is it my husbands problem? …

daughters medical bills 
my daughter lived with me for 16 years, and i paid 100% of all her medical insurance, co-pays, and bills. when she was 16, she decided to live with her …

Shoulder Surgery Tangled Web 
I had shoulder surgery in 2008 and during the process of pre-op my job changed insurance carriers. The doctor was provided with both insurance cards at …

Can Collection Agency/Hospital turn bill on your credit report? 
Hi, I received a bill for 835.00. I have paid 100-150 each month. I was still turned in to collections and I was told that IU/Riley Hospital in Indpls, …

Interest Accrued on Bill Never Submitted to Insurance Co 
In July 2008 I received emergency medical services in the State of California after fainting and suffering a concussion. I was insured at the time, but …

Bill to a Minor 
If you were a minor at the time of a Medical Emergency and were adnmitted to a hospitol (nothing was over night just a couple of hours and nothing was …

Notice from debt collector 4 years after service 
I received a notice to pay a debt collector after 4 years of not receiving a bill. Do I have to pay this?

garnishment for a medical bill 
Can a medical bill judgement can take your federal income taxes?

Medical Debt Mounting 
I live in Florida and my husband just died from lung cancer and now the bills are piling up. The insurance only paid a portion of them what can I do and …

collection agencies for medical bills legal 
I was under the impression that as long as you are making monthly payments to a hospital or medical provider, the bill cannot go to a collection agency …

Interest on debt 
I recently found out that i owe $3808.00 from 2005 when my son was born at the time i didnt have insurance,i wasn't notified. however when i called to …

Paid medical bill 
I am on medicare I had a Dr bill that I paid then stared receiving a statement saying I owed more I have proof I paid original bill I contacted billing …

Bill sent to collections eventually paid by insurer 
ER visit was coded incorrectly by hospital and was denied by insurer. Appealed denial to insurer with correct diagnosis/treatment info and 15 months later …

Am I legally responsible for my minor childs medical bills if the other parent signed the consent for treatment and financial responibility? 
My ex wife took my daughter to an out of network emergency room for a non emergency visit in an attempt to acuse me and my wife of abuse against my daughter. …

Outstanding Medical Bill, Paying Incrementally 
In early 2011 I received home health care prescribed by my physician. I have Medicare part B as well as a private insurance. The actual medicine was …

Will it affect my credit? 
Hello! Early April 2011 I was hospitalized for liver problems. I have insurance and they covered most of the expenses. At that time I didn't have a …

Statute of limitations 
I was told that a medical bill can still be collected on from 10 years ago in oregon because the hospital is a municipal corperation. I had the Oregon …

paying a medicall bill 
I owe 2,784.00 on medical bill have been payin anywhere fro 100.00 to 60.00 a month but they want to turn it over to collecton agency

Can a medcial bill be charged to you after a time has passed? 
I was in the ER in Nov. 2003 and was recived a bill of almost 3,000 dollars. I was able to make small payments at frist. Then we ran into money trouble …

Step son's medical bills 
My step son is on my health insurance. My insurance has payed most of the bills. If the balances go to collection, how does that effect his credit and …

Without notification or due date 
Just received a letter for a collection agency because we didn't pay the bill. For the past few months we have been disputing the care, but have still …

Medical garnish? 
Can they garnish medical bill in nevada?

How does my son stop collection agencies and get medical debt forgiven? 
My son has no medical insurance. He has been a student off and on and his employment has been as a cook. He has education loans, no vehicle, and rents …

My ex-husband cash a significate size medical insurance check 
My ex and I divorced in late summer 2009.......I had surgery in the fall of 2008 but there was an open invoice for the OUT OF NETWORK PA.....in Dec 2009 …

credit & collection  
I got a bill from credit &collection for 52.25 that is where I seen a dermatologist. I have never got a bill from them at all &I have been back two times …

Am I Legally Responsible for My Spouse's Unpaid Medical Bill? 
I live in Colorado, and my husband has an unpaid medical bill for $1500 from June of 2010. We just received a summons for both of us to appear in court …

Limitation on Medical Bills that were not turned into Insurance at the time incured. 
My husband was in an automobile accident in January 2010. We just received a medical bill from the company that read the xray...it was NOT turned into …

Medical Bills Incurred by Minor IN 
I am currently being told by a collection agency that i owe over $900.00 in medical bills that occured before i was the age of 18. My mother passed away …

Paying medical bills 
After being hospitalized for 2 days I started receiving doctor, lab and hospital bills. I was discounted on my hospital bill due to no insurance. I have …

actively paying a hospital bill but have been sent to collctions, is this legal 
i have been actively paying on a hospital bill but have received a collection letter from a contracted source, is this legal since i am actively sending …

What steps must medical company take before suing you for non payment? 
Can a medical company sue you before they send your case to collections for non-payment? My last payment on my medical bill was August 2011. About a two …

debt garnishment 
Can a debtor garnish you pay check for past due medical bills in the state of Oklahoma?

medical bill 
Is it legal to throw someone in jail for failure to appear on a medical bill I thought this was a civil case can this happen in kansas

PAYMENTS FOREVER???? 
I am currently making $250.00/month payments to a hospital for a large bill I incurred after a double brain surgery for an aneurysm. I am fine and back …

Old Medical Bills 
I was injured and am now on disability. It is my only income. I own my home free and clear mortgage all paid off. But the medical bills have been …

Sued for an unpaid medical bill 
We have a medical bill that we never paid on. we were sent to collections then it was sent to a lawyer, then we were notified that we had a court hearing. …

Medical Debt Bill Not Received 
One year ago I received a call from a debt collector for an unpaid medical bill, under 200 dollars. The hospital that sold the debt had sent the bill …

In missouri, husband worked, died of cancer, wife did not sign any medical paperwork... Is wife liablke to repay medical debt? 
My best freidn recently lost her husband to cancer. He worked his entire life, up tp the last monthsbefore he passed away. He was approved for Medicaid …

Is a bill over a year later legal? 
I had to go to the emergency room because I was having trouble breathing. When I arrived I explained that I had no insurance and they offered an option …

Is a bill over a year later legal? 
I had to go to the emergency room because I was having trouble breathing. When I arrived I explained that I had no insurance and they offered an option …

Her Medical Bills 
I am being taken to court for bills that were deemed the responsibility of my ex-wife in our divorce settlement. These bills were incurred for care of …

Over charged 
I have medical insurance.It is suppose to pay 80% of medical cost. My husband was air lifted to another hospital.The bill for this was 26000.00.Insurance …

medical bills in collections. 
I have 2000.00 in medical bills now in collections, with a possible 5800.00 more, I only earn close to 5000.00 gross a yr. Bring home income about 250.00 …

medical bill original account form medical provider 
How do I retrieve original acount numbers from medical provider that has been put into collections

Currently Paying on Medical Bill 
I am currently paying on a medical bill from 2009. It used to be $2500 and now its down to $1000. For the past year, all I can afford to do is about $25-50 …

Hospital Debt 
Can a hospital sue a person in civil court for unpaid medical bills that will appear on a person credit report?

Dental debt for my full time student/son 
My son had is wisdom teeth removed a couple months back, he is 19 and full time college student. Well insurance did not cover what we thought it would …

Mom's Death 
My Mom lived with me until her death in a RI Nursing Home. The Department of Elderly Affairs is putting liens on my property to collect unpaid portions …

medical debt statute of limitiations 
What is the statute of limitations for medical debt in colorado?

Can they take the money from me for my mothers hospital bill 
If i signed my mother into the emergency room and she was admitted to the hospital can they take the money from me for her hospital stay.

Can they keep my taxes because of my medical debt? 
I have medical bills and it went to collections so I want to know when i do my taxes can they keep my taxes or not give them to me?

Am I co signing to pay an emergency room bill when I signed my mother into the hospital? 
I recently received a hospital bill for my deceased mother who passed seven years ago. I am being told I am responsible because I signed her into the …

multiple hospital bills are now in the hands of collection agencies 
i have almost 3 thousand dollars in medical bills from when i hurts my back and other things.. there all seperate bills that have accumulated when i got …

Judgement filed 
We live in Maryland. My wife got cancer and we had many medical bills. The hospital turned a bill over to a collection agency who in turn filed with the …

Responsibility for Son's Medical Bill 
I am the primary policy holder for my sons medical insurance. My son was seen by a doctor and insurance denied payment stating additional information is …

monthly payments 
can you be sent to collections if you are making a monthly payment on medical bill

Medical debt from 2007 
My wife was third party in an accident and went to the hospital in 2007. She was a month over 18 at the time and was still living with her mother who is …

hospital bill 
I have no insurance and Just had an operation and four day hospital stay .I cant afford to pay what could happen to me if i dont pay.

Hospital Bill Collection 
I live in a small town in Texas. I had knee surgery in Decemeber, 2010 and have had many bills to deal with. I received a bill from our local hospital …

5 year old account 
I live in Florida and I just got a collection on my credit report for $148. I was in a hospital in 2006 (5 years ago) and I now got a collection on my …

Unpaid Doctor Bill 
Is it legal to make $1.00 a month payments on a doctor bill? They have already excepted 3 months of payments ($3.00) and they are saying that I cant do …

Can't Pay Medical Bills. Will Our Income Be Garnished? 
My husband is on Disability Social Security and I have a State Pension and Social Security. We have numberous medical bills but do not have the money …

Collector Wants Us to Pay More On Medical Debt Than We Can Afford 
We have a medical debt that amounts to $1187.65 it was $1800.00. We have been making payments of $20 to $25 dollars monthly since 2/21/2009. The collection …

Year-Old Hospital Bill 
My mom recieved a hospital bill today 9-5-11. The bill says she has a balance from 5-24-10....this is over a year old. This is the FIRST time she has known …

Medical Bill May Be Sent to Collection 
Hi there, I have a medical bill which I will pay in full once I get my tax refund so now I'm paying what I can a month which is $20. They want at least …

Medical Debt and Statute of Limitations 
I have a medical debt that has been taken over by a collection agency and I don't know if the statute of limitations has run out because I can't get the …

Debt Collector Calling Me About a Medical bill 
A debt collector has called me in reference to a medical bill from 2009. Is it to late for me to pay the hospital or do I have to pay this bill directly …

Can Hospital Take My Home to Collect My Debt? 
I am on SSI and owe a hospital bill. Can my home be seized for this debt? I live in Alabama.

If I Owe a Hospital Bill Can My Home Be Seized? 
I am on ssi and owe a hospital bill. Can my home be seized by the hospital? I live in Alabama.

Paying off Medical Debt 
what is the lowest amount that I can pay my drs. bills I want to pay monthly but they are saying 200.00 miniumn. I cannot afford that amount.

Paying Off Medical Debt 
I had surgery in march of 2011 and my insurance paid all but $3205.00 and I have been making payments every month since of $25.00 due to also paying the …

can a doctors office cancel a appointment for a balance on account? 
I was called by my pain management doctors office and they said I owe them 60.00 and I told them I only get so much money a month and she told me they …

Just this mourning I was contacted by a collection agency!  
I live in Californian,the original bill $2952.00, now they are asking for $3900.00(?)because they turn it over to a collection agency? The test EEG was …

Statute of Limitations on a Judgement? 
Is there a statute of limitations on a judgement against me for a medical debt in the state of Montana?

9 year-old medical bill 
hi I just called to make a Dr app and they had to first connect me to the billing dept...they told me i have a debt from 2002 I need to pay before i can …

Zombie Debt 
A junk debt collector reported a medical debt which I paid (through another collection agency in 2007). The collection agency that I paid the debt to …

Ex wife and I Are Supposed to Split Children's Medical Bills 50/50 
Ex wife never sent me any medical bills she received on the kids, nor did she notify me of when she was taking them to the doctors, I recently ran a credit …

In NE, is Wife Responsible for Husband Medical Bills? 
In state of NE. is wife responsible for husbands medical bills

Being sued for a Debt I cannot pay 
Can a doctor's office sue you for paying a small amount of your bill every month in TX ?

Collection Agency Wants More Money Than We're Paying 
In the state of Montana I have a 10,000 dollar medical debt that was taken to court and they won a judgement against me even though I was never served …

Doctor Didn't Bill Insurance  
When a medical care provider failed to submit claim for reimbursement in time (about a year), and the claim is subsequently rejected by the insurance company …

Health Bill filed under wrong name two years ago 
My husband had a surgical procedure in March of 2009. Our Insurance paid all but $24.48 for which we were billed by the Doctor's office and paid. In …

Slow Paying Insurance 
Retiree insured by State of Illinois. State is taking 9 months to pay medical bills for covered services that have been already approved by Cigna. I have …

Moved to Texas left medical debt in Oklahoma 
I am 52 widowed, unemployed, currently living with my daughter in texas, left medical debt back in oklahoma, my only income is 255 dollars a month from …

Paying Off Old Medical Collections 
I have a goal to buy a house within the next year. Almost everything on my credit report is a medical collection. Is is smart to pay off these collections? …

Can I be sued for friend's medical bill 
A friend of my wife's listed her as an emergency contact in case something happened to him. He lives on the other side of the US. He is not related by …

Hospital Submitted Medical Bill to the Wrong Company 
I got radiology done in January 2007. I had an insurance and paid my co-payment then. I suddenly got a call from collection agency claiming I had a unpaid …

Deased husband's medical bills 
They have taken me to collections and I live in Missouri. What can they do do collect the money? I have nothing but my house, my car and a jet ski. …

Can My Wife's Medical Collection Appear On My Credit? 
Could a debt collector report to the credit bureau a medical bill in my wife's name as a joint account?

Wife's Medical Bill 
i have bought dental insurance for my wife and kids but not for me because i am active duty army. when she had dental work done it left us with a balance …

Being Sued for a Medical Debt 
I Am being Sued For A Medical Bill Of 2500.00 Should I Conact The Lawyer And Try To Settle before court date

Hospital Contacting Child About His Parents' Medical Debt 
My 16 year old son had physical therapy and we received a huge bill that we are in the process of disputing. Unfortunately we can't pay it right now so …

Medical Account Sent To Collections 
I live in MS. I had an xray done while in the hospital on Sept 23 2010. I received a statement for the bill sometime after that saying insurance was pending. …

Step Son Medical Bill 
My wife took my stepson to the hospital in South Carolina while we where on vacation in 2010. A few weeks later I get a medical bill in my name from that …

medical bills 
can my tax check be garnished due to unpaid medical bills?

medical bills 
i've lost my medical bills, i know they've gone to collection how to i get that information now so that i can pay it?

Do I owe this medical debt? 
My ex-girl friend and I have a six yr old daughter. We separated four years ago. I moved to NV for work. We have never went to court, there are no court …

Minors Medical Bills Sent to Collections 
Can a minor who has delivered a baby be responsible for medical bills for herself and her baby and be sent to collections in the State of Colorado?

Four year old medical bill still hasn't gone to collections-- now what? 
I have a chronic illness and have always had insurance, they just haven't always chosen to pay for my care. So I had a procedure done that they ultimately …

Can They Garnish Wages For Medical Debt? 
In Indiana if I don't pay a bill from my doctor's office in the amount of $800 can their attorney's garnish my wages?

Garnishing wages or other income for medical debt 
I just recei ved a call from a collection agency in reference to a bill from a hospital surgery i had 8 years ago I was not aware this debt was out there …

Deceased Mother's Medical Bills 
My recently deceased mother has medical bills that are unpaid, do I have to pay them from her estate?

Can a doctor's office give a self pay discount and then charge you for it? 
I went to my ob/gyn and paid in full, for my visit ($180.00) which included a self pay discount. I was later sent a bill for lab work, which i did not …

Collection from paid medical bill  
A collection account is an my credit reports. My insurance company paid them. How can I get the negative information of my credit reports?

Two Summons for Same Medical Bill 
Almost 2 years ago in 2008 my sister had a baby and she had insurance. Her percentage was sold to a collection agency after she couldn't pay the hospital. …

Our rights regarding medical debt we thought was paid 
In February 16, 2005 i was hospitalized after an accident. I had full coverage insurance and thought the hospital bill was completely paid for, because …

medical bill never did get a bill  
i have blue cross blue shield. they sent this to collection now i find out $101.54 i have never gotten a bill i called hospital told them this they …

Over 9 year old medical debt 
My husband has a hospital debt from 2001. We paid a reasonable amount faithfully every month up until March 2010 even though we don't have a written agreement …

Medical Dept 
Hello, I have bill from the hospital that was never paid on. I don't have insurance and really low income. The bill was sent to collection. I was informed …

ex-husband filed bankruptsy still owes medical for our daughter 
My ex-husband owes me huindreds of dollars for our daughters medical expenses. He filed bancruptsy and I don't know if I need to file claims to the bankruptsy …

My husband's unpaid medical bills. 
My husband has unpaid medical bills from a serious illness and i was wondering if those will negatively affect my credit report. we keep everything seperate …

Do I owe for my daughters medical bills if I didnt sign them? 
My daughter had a baby before she turned 18, she didnt list my name on her authorization anywhere. She was insured under her fathers insurance at the …

Statute of limitation in Colorado and medical debt 
What is the statute of limitation on medical debt in the state of Colorado? I have heard 3 years and I have also heard 6 years. The 3 years seems to depend …

Statue of Limitations on Medical Bills in Virginia 
What is the statue of limitations on collecting medical bills in Virginia?

Medical debt incurred while a minor 
Can a collection agency recover a medical debt incurred while a minor? My mother took me to hospital when age 17 and was unable to pay the bill. Now, at …

Medical Bill Question 
We have been making steady payments on two medical bills from January. The hospital had now decided that they don't like this and is threatening to send …

was not notified of a medical bill and turned into collections 
My bill was sent to another party after i was in the hospital. I didn't know it existed. I was turned into to collection. Is their any way I can make the …

Medical Bill in Collection for me going to my stepfather... 
I was working for a lady who was a dentist. She told me she could close up my gaps (in my front teeth) for me and we just charge the insurance and not …

Medical Bill Collection Pressure 
I have been turned into a collection agency been making $75.00 a month for the last 4 months (I owe around 4000.00) they called and they want me to make …

medical bill agreement 
I have arrangements for a 20,000 dollar medical bill, they took out the first payment of $100.00. they then sent me a letter a month later stating i defaulted …

Never received medical bills, attorney sends demand for over $8000 
I saw a chiropractor over two years ago for 4 months. He was a preferred provider and I was to only pay $20 copay for acceptable treatments. When he started …

Medical Collection Agency without Notification Reported to Credit Bureaus a debt of $20 
I did not receive any notification from a medical bill collection agency that a debt was owed; no letter or phone call; only found out the $20 debt was …

Medical Bill for Minor 
Can a debt collector call a minor child about a medical debt?

Dispute over medical bill 
Can a doctor continue to report that they have not been paid and in fact they have been paid in full through the court system? They have put this on my …

What are implications of getting a judgment for medical debts? 
Figure am about to be served, am wondering what are the implications (short & long term), to having this against me. I own nothing, (been without regular …

Medical Debt Dispute 
I disputed ER treatment received at a baytown, tx. area hospital almost immediately following the questionable treatment. I had several conversations with …

Medical bill - Am I liable for attorney's fees without notice? 
I received ONE medical bill dated December 17 for $850 balance due after insurance had made their payment, but I didn't received the bill until sometime …

Medical Bills 
In Indiana, can a bill collector keep you on their records over 7 yrs? My husband had a bill I just found out about today from 12/10/2000 and today is …

Medical Debt, doctors office never submitted to insurance, turned to collections 
I had a surgery with a local physician. I incurred three different bills with that office. They submitted two of the bills to my insurance automatically. …

Medical Debt that is not mine 
Hi there, a few years ago I noticed almost 10 medical accounts by the same collection agency on my credit report. I disputed them on my credit report and …

Medical Debt/Judgement 
Here is how it all happened. Tell me if any of this is legal. I had a very old medical bill that I didn't even know that i had. I got served court papers …

Medical Debt 
Does the debt collector have a right to put a judgment against you when you are making payments to them. Also, put it on your credit report and charge …

Medical debt in NC 
In 2004 I was involved in an auto accident and it was settled in 2006. I had an unpaid balance to an orthopedic doctor apparently, but also had health …

Can Debt Collector On Behalf Of Medical Offfice  
...Place their Name On My credit Report AS a Creditor as soon as it receives the bill, then start contacting Me??? I disagreed with the charge for services …

Adult son's medical costs 
My son is currently 21 years old. He spent 2.5 years after college working and is now a full time college student. He is now back on my health insurance. …

Medical Debt 
How long does a medical debt unpaid stay on my credit report in the state of NC. I have a medical debt that was turned over to a collection agency in 2005 …

Dental bill after insurance expired 
Dentist estimate shows wrong expiration date and accept the service after the actual expiration date. 1: Is that totally my fault? My parents' family …

Medical Debt Owed By A Person Who Has Medicaid Insurance 
I am working with a young lady who has Medicaid in the State of Michigan. She took her daughter to a emergency care clinic 2x within one year. We inquired …

being sued for a medical bill and can't pay 
I had a medical bill from 3/25/2012. i was recently served to go to court because of it. I went to court; I didn't even get to talk to the judge. The lawyer …

Adult child medical debt 
My 19-year old son has a medical debt with my dentist and the collection firm says I am still liable because I signed a "responsibility" form in 2008 when …

Dr. is referring mother to collection agency over child's father's portion of bill  
In MOU filed with the court, medical expenses for child was determined as 83% for the father, 17% for the mother. Father has not paid his portion of …

Hospital Bill Collection Out of Statute of Limitations? 
I received a collection letter from a hospital bill from 2/7/12. If I understand my SOL, this debt is too old for collections. What are my choices? …

Debt Collection Agency didn't accurately report payments  
In July of 2011 my medical debt (from April 1, 2011) was sent to a collection agency. I spoke with a representative who agreed to $100 monthly payments …

Medical bill from 2009 has just now shown up on my credit report. 
It was 12/2009 when I got very ill and racked up some pretty big bills. I saw different providers and was being billed from different places other than …

Medical collections reviewed by original creditor 
Does collection agency have to remove account from my credit report when original creditor has re-opened to review for finanacial aid? I had surgery …

Double coverage on Medical 
I have double coverage with Medical through my employer and through my husbands employer .... So when I go to the chiropractor they get paid from both …

Medical Records 
Can a medical practice hold my medical records because they sent me to collections for bad debit that has not been paid?

Indiana Spouse Medical Debt 
If i live in Indiana and my wife is sued for Medical Bills can they sue me or threaten to take property which only my name owns such as a house?

hospital bill from 6 years ago, on credit report- not my insurance 
I just received information from a debt collector that I owe money on my daughters hospital bill. I am confused as it's under my ex-husbands insurance …

medical bills 
my medical bills that i incurred in the state of wyoming are effecting my wifes credit rating. we were never residents. is this legal. I've talked with …

Do I have to pay for my Ex wife's dental bill? 
My ex (or soon to be) wife are going through a divorce. She filed for divorce on October. Now March, I received a bill from her dentist, addressed to me, …

Disputing medical bills 
I recently heard that medical bills can be removed by disputing them numerous times after the collection agency has purchased them from the original creditor. …

Hospital Bill for a visitor to the US 
I delievered 3 of my children in USA while visiting, one in a New York Hospital and 2 at Tampa FL in 2001, 2002 and 2004 respectively. I recently applied …

can a billing manager for a dr office cancel a surgery, and harass a patient for payment 
hi, i was supposed to have surgery on the ulnar nerve as the pressure has been bad, i was schedule in thurs and my dr office called me 2 days before hand …

sent to collections instead of insurance 
I'll try to make this long story short. October 2010 I had a baby. I was covered by my work insurance through atena. My new daughter was to be covered …

Can i be responsible for my 24 year old daughters medical bill 
My daughter was 24 when she went to a doctor in a diffent city. She was technically on my medical insurance but was self supporting. I didn't sign anything …

Hospital Bills 
My father passed away 3 1/2 years ago. I just recently recieved a bill from the hospital for 4,000. Am I responsible for the bill. He had insurance at …

What's fair 
I have a hospital bill that amounts over 10,000 dollars and I j they.just offered me 12,500 to settle my case..... How low will my lawyers be able to …

doc who? invisible doctor billing me 
I got a bill from a doctor who they (the billing company) wouldn't tell me who it was or what it was that he did. They also wouldn't give me a discount …

Must a debt collector try to resolve a disputed bill between a doctor and patient before making a negative report to Credit Report companies? 
I live in Texas. I am currently in a dispute with our doctor over a bill. Can my doctor go directly to a Credit Reporting service with a negative report …

Date of service for medical bills  
How can I find out the dates of the medical services I am in debt for that is in the hands of a collection agency? I tried calling the hospital but they …

20 yr. old daughters medical debt. 
My daughter a 20 yr. old college student, has a $1500.00 medical debt. She had insurance through the school, they didn't pay this portion of the bill. …

large Medical debt 
I live in Virginia. The last three years I have been paying off a debt of $17,000 for Physicians fees from the birth of my last child. It's now down …

Shoulder Surgery Tangled Web 
I had shoulder surgery in 2008 and during the process of pre-op my job changed insurance carriers. The doctor was provided with both insurance cards at …

Medical Debts 
Can my wages be garnished for non payment of a medical bill?

two hospital are saying they are going to turn my two bills over to a collection agency 
I have four kids, one of them has special needs, i have good insurance and i pay $50 per month to 2 hospitals and 2 clinics and also eye doctors and dentists. …

Not billed to my insurance 
My eye doctor billed my BCBS insurance and they payed $35.00 of a $240.00 bill. But I at the time had two policies with VSP one through my wife's company …

Can a medcial bill be charged to you after a time has passed? 
I was in the ER in Nov. 2003 and was recived a bill of almost 3,000 dollars. I was able to make small payments at frist. Then we ran into money trouble …

ex gave personal info out 
Ex wife was sent to collections for my son's doctor bill. She didn't provide them with my insurance information and when they continued to request she …

hospital didn't send bills before contacting collection agency 
My nineteen year old daughter went into the emergency room for chronic constipation. They performed a number of tests only to end up advising her to …

Medical bill for a foreigner 
My mom is a on visiting visa, she is not a US citizen or permanent resident, but she just got a surgery done here in usa, and I signed for all the medical …

Mom's ER visit bill 
Recently my Mom was visiting me (St Louis, MO) from overseas (She does not live in the US) and had to be hospitalized (Emergency room visit). She was …

Paid bill prior to court, still sued 
In Michigan i received a summons & complaint, in this there was no mention of a court date only that i had 21 days to answer in writing. within this time …

Chiropractor Bill Went Too Far 
Hi, in 2008, I injured my back with the company I was working for then. They sent me through different procedures and finally to this one chiropractor. …

Wife responsible for my debt? 
Is my wife responsible for my medical debt? Reply from DebtCollectionAnswers.com: Your wife may be responsible for your medical debt in any of …

Collector Wants Explanation of Benefits 
A debt collector called me regarding a bill that was not paid due to a mix up in coverage by health plan carrier. My health plan carrier has since resolved …

Received medical bill almost one year later 
I went to the hospital to get my older debts straightened out. The lady in billing told me I have one for almost $5,000 for an ER visit almost a year. …

Medical bill for wrong person 
I keep getting letters saying that a medical bill for ($537.26) that is received in my name but the account debt is for my mother and when i try to contact …

Hospital Collection Account - 18 years old 
I just recently received a notification from Jackson Memorial Hospital stating I have unpaid medical bills from 1993; They told me I need to pay or get …

monthly payments for medical payments 
I am in the middle of a chapter 13 BK and had surgery last february. I have been repaying my debt on the outstanding balance with faithful and diligent …

Holding wife's credit rating hostage for husbands medical debt 
My credit has been terrible since filing bankruptcy, and I have an outstanding medical bill at the hospital, it has gone into collections. My wife had …

Can I be sued for hospital bills? 
Can a creditor for a hospital sue me? Reply from DebtCollectionAnswers.com: Yes you can be sued for a hospital bill. We suggest you read our page …

Judgment 
Can a collection agency ask for a judgment if you are willing to pay but not in the time line they are asking for? Reply from DebtCollectionAnswers.com: …

Late filing and billing 
My 1 month old son received emergency treatment on the 10th of July 2010. He at the time had coverage under Texas CHIP perinatal,so I supplied his details …

18 years old but still in High School 
My neice was in High School but had turned 18. She got sick and they had no insurance. Her parents did not pay a medical bill for her and now she is getting …

Old medical bill account #s  
I am trying to find old account numbers for medical bills that have been put into collections. Is there a way I can get them? Reply from DebtCollectionAnswers.com: …

Excessive Fees on Collection Account 
I have a medical debt that was sent to a lawyers office in Colorado for collection 2 weeks ago, my surgery was in Jan 2001. The original debt was 137.00 …

Got call from NCO collection but never received bill from the hospital 
I got call from the collection agency friday evening saying that I hadn't pay 1100 something dollars to Texas orthopedic hospital where I had foot surgery …

Must a hospital accept payments I can afford?  
I owe a hospital about $90.00 and can not come up with the complete total at once. I called them to let them know I want to pay this bill but as of …

Grandparent's making medical decisions without parent's consent 
My ex mother-in-law gave an emergency room consent & an out-of-network surgeon consent to do emergency surgery on my 15 year old son's finger (cut-off …

Do I owe this dr. bill? 
My in-network surgeon requested an out-of-network surgical assistant. I knew nothing about this because I happened to be under anesthesia at the time. …

Does husband owe for wife's hospital bill? 
My wife and I were on Medicare and Social Security Disability. My wife went into the hospital and gave them her Medicare card which was her only insurance …

Payment Plans for Medical Bills 
I have been making $50.00 payments for one of many of my medical bills and they have been cashing the checks I send each month, but now they are asking …

Trying to Keep Up With Mom's Hospital Bills 
I am currently trying to keep up with my mom's hospital bill's. I just received notice from a collection agency demanding she pay this bill. She is currently …

Can I Be Liable for My Daughter's Medical Bill?  
I am divorced from my daughter's mom and we have joint custody. According the the divorce decree, I provide medical insurance for my daughter as a dependent …

Making Payments..Can I Be Sent To Collections? 
I have been making regular monthly payments. Can the doctor still send me to collections? Reply from DebtCollectionAnswers.com: It shouldn't happen, …

Broken Payment Arrangement 
I have a payment arrangement with a hospital for a medical bill. I pay monthly, and have not missed a payment. Can they send my account to a collection …

How Long Can A Debt Collection Agency Legally Come After Me? 
Is there a statute of limitations that a debt collector can come after me for a hospital bill in the state of Montana? Reply from DebtCollectionAnswers.com: …

Auto Insurance Still Didn't Pay Medical Bills, Credit Score? 
I was rear-ended over a year ago. At that time, I was borrowing my relative's vehicle as I did not own my own vehicle. The other party was determined …

Unaware 4 Year Old Emt Ride Never Submitted To Insurance Now In Collection In Wisconsin. 
I received a head injury almost 4 years ago and was transported to the local hospital via EMT ride. I do not remember arriving at the hospital or what …

Satisfied bill is still on my credit 
I have paid off my medical bill to the bill collection company that bought the debt from the hospital. The debt is still on my credit. How do I get it …

Is It Legal To Hold An 18 Year Responsible? 
Is it legal to hold an 18 year old responsible for a medical collection that occurred when she was 16 (We live in Florida.) Reply from DebtCollectionAnswers.com: …

Why Is The Insurance Company Sending Bills In My Sons Name 
I have insurance (Humana). Recently they joined in some sort of alliance with RightSource. Since the initial screw up and what have you have gotten sorted …

Medical Bill Arrives Three Years Later 
I just received a hospital bill and the services were provided 3 Years ago. I don't even know if I owe this? Is this legal in Colorado? Reply from …

Disputed Debt Reported to Credit Bureaus Without a Judgement! 
I live in Montana and am dealing with a difficult local debt collection business and an obstinate "creditor". I was seen by a dentist for a particular …

If You Are Making Monthly Payments Can They Still Report You? 
Contact Us Can medical providers report outstanding balances to credit bureaus if you are paying a monthly payment? Reply from DebtCollectionAnswers.com: …

How Soon Can A Medical Office Send An Account To Collections? 
I received a call that my account would be sent to collections that very day if payment was not received that day. This was on May 25. Debts were for a …

Can't afford to pay medical bills for our children 
I have stacks of medical bills that we simply can not afford. I have tried to speak with the collection company about our situation and they would not …


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