Collector Wants Explanation of Benefits

(New Jersey)

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 the issue and has paid the bills. However the bill collector is calling me asking that if the bills are paid I need to send them an "Explanation of Benefits". Does the bill collector have the legal right to ask for my explanation of benefits?

Reply from

We aren't sure whether that's legal, but agree with you that it's not something we would want to send to a debt collector. They are no doubt requesting proof that the debt was paid. If we were you, we would call the medical provider who turned it over to collections and insist they send the collector proof of payment.

And don't forget to check your credit report to make sure this isn't on them.

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