Question about collection agencies

Question:

We live in Indiana. My husband had surgery (covered by VA) in Louisville, Kentucky. A collection agency in Illinois sent us a letter in May about a bill for a Louisville doctor, a bill we never knew existed.

My question is, was it legal for the doctor's office to go to a collection agency without contacting us first? We were never notified about this debt by the doctor. Now our good credit is ruined.

I tried to take care of this in May, and thought I had. The VA will pay the bill. Evidentally the doctor's office never filed it properly.

Yesterday we received another call from the collection agency, and I contacted everyone involved and tried to straighten it out again.

I need to know if the doctor's office had the right to turn this over for collection without notifying us of the debt in the first place.

I appreciate any advice you can give me.

Answer:

Yes, the doctor does have the right to turn the bill over to a collection agency without informing you.

But you say that now your good credit is ruined? Obviously that is very important to you and I certainly commend you for that. Want to fix that problem the right way? Let me teach you how to fix your credit the creditwrench way.

Most people who want to fix their credit either do it themselves by sending disputes to the credit bureaus but huge numbers of people hire credit repair companies such as Lexington Law or any one of hundreds if not thousands of credit repair companies that exist today. But this is quite often a temporary solution that is obtained at considerable cost no matter who does it and all the time, effort and money is wasted as soon as someone files a lawsuit against the person.

Creditwrench is not a credit repair company but our methods can totally eliminate the listing no matter how valid it might be contrary to what the FTC and others might want you to believe. Creditwrench students use the federal court system to "fix" their credit and get paid for doing it. Sounds too good to be true? Trust me, it is very doable and not all that hard. It isn't rocket science and it isn't some dumb patriot trick.

It isn't free either because you have to pay a $350.00 filing fee unless you can qualify to file your cases in Forma Pauperous. But since your defendant has to pay your court costs and other miscellaneous expenses and maybe pay you attorney fees on top of the other terms and conditions of your final settlement the net effect is that it is not only free but you get paid too. Especially if you can prove your damages. That's not hard to do in most cases.

Most people who do their own credit repair or hire credit repair companies often end up spending years getting the job done. If someone has numerous derogatory listings it can take several years using creditwrench methods as well because there are few who can handle more than one federal case at a time.

It wouldn't take all that long for you because apparently this is the only issue you have. You might easily get it done in 6 months or less but most spend a year or more on each case.

You only have to catch the collection agency violating the law one way or another and sue them in federal court for their violations and that isn't the least bit difficult. Furthermore, as the economy worsens debt collectors are getting desperate to make collections because people don't have the money to pay with. Unemployment is rising rapidly making the situation even worse. Unemployment is said to have risen by 400,000 last month.

All you have to do is keep careful records of every phone call, every letter and keep up with your records and it won't be long before you can have several violations to go to court with. You don't need a lawyer. Federal courts are very lenient with Pro Se litigants and will bend over backwards to be considerate but you do have to know and follow the rules or at least most of them.

We help you learn the rules and the procedures and eliminate mistakes you might otherwise make. We smooth the path for you so you know what to expect and how to deal with any problems that might arise in the process. We help you understand the process so you don't make the mistakes you otherwise might make.

Once you and your defendant(s) reach a settlement agreement it is submitted to the court for approval and it then becomes a contract which can never be broken without severe consequences and one of the terms you would demand is that any and all derogatory listings be removed from your credit reports.

That's how you can fix your credit. They put it there, make them take it off and insure that it never gets reported again nor sent to any other collection agency. That's the right way to fix your credit as far as I am concerned.