Collection Calls before bill is due?

by David
(Timberlake, NC)

I have a medical bill, which I received a bill in the mail for, due date: October 26th. On the bottom it states that if bill is not paid within 10 days of due date it may be sent to collections. So today (Oct.20th) I received a call from a collections agency with a really pushy guy, telling me I was in collections; nice at first, then started demanding all this information from me. My phone #, then he asked for a relative or someone else's number in case he couldn't contact me, he got snippy when I refused. He started spouting off names, some of who just had the same last name, but not related, then a few that were. Getting all smart saying "We already have all your information". So I proceeded to tell him that I have a current bill and that I would contact them directly. All the while he's trying to talk over top of me telling me I can't do that. Then I hung up on him.

So my question is this: If I have a current bill that has a due date a week from now, can I already be sent to collections?; and if so, shouldn't I be able to deal with the original biller directly still and not these yahoos?

Comments for Collection Calls before bill is due?

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Oct 22, 2010
medical bill in collections before due
by: Gerri


First of all, you're well within your rights to refuse to give the debt collector your personal information and to insist upon written verification of the debt. In fact, the debt collector must send you a written notice of the debt within five business days of that initial phone call. And if you tell the debt collector you want validation of the debt they can't try to ignore you - they must provide it.

Have you called the medical provider? I would contact them and let them know that not only have they incorrectly turned your account over to collections, but the collection agency they have hired may be breaking the law. You may be able to straighten it out over the phone, but be sure to get a name of the person with whom you spoke and follow up in writing to confirm what was discussed.

Hopefully, this will take care of it. But I would encourage you to check your credit reports to make sure that the collection agency has not already reported the collection account, and I would encourage you to file a complaint about this debt collection agency with the Federal Trade Commission and your state Attorney General's office.

If the collection agency continues to pressure you to pay this debt and does not provide the required verification, contact a consumer law attorney for help. You can talk with a consumer law attorney locally who has experience in debt collection cases. Find out how to get FREE or low cost legal advice about debt collection from a consumer law attorney here.

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