How do I figure out if this debt collector is legitimate?
Topic: Case scenario for social work
July 17, 2019 / By Capucine Question:
Alright, so I have United Healthcare health insurance through my job. I've been through about $12K worth of medical bills this years (something like 24 doctor visits/bills total) and my insurance is not very good at actually working with the various doctors. There have been various scenarios. Sometimes the insurance paid and then the doctor's office never sent the bill. Case in point, I got a "statement" a while back for $240. That's from early January when I went to a doctor. Nobody can tell me why it took that long to send me a bill and then the bill is wrong and they got the deductibles and such all mixed up for multiple visits that should have all been the same deductible. But anyway, there are two bills remaining. One from a doctor visit in December (yes, December) and the other is the aforementioned from January. The one from December, I actually paid that bill in the middle of March (saw it online through my insurance company) and the company that took the payment (Instamed) sent it to the doctor's office and they refused the payment. It was for $195. I called that doctor's office and the reception lady says she only shows me owing $135. So now I'm freaking confused.
Meanwhile, while I'm figuring out these two doctor bills...I've got a "Capital Management Group" or something like that calling me claiming to be a debt collector. They leave a voice mail and a phone number. Their only voicemail message is "this is a debt collector call" and leave no details. I looked them up online and some people are saying they're a scam and others say they're a debt collector. Some say that they ask for their social security number by phone.
So my question is...how do I determine which (if any) of these doctor's offices has turned this over to a collection agency? If I pay the two doctor bills directly, will I still be hounded by the debt collector? Should I pay the debt collector and not pay one of the direct doctor bills? Just trying to figure out what to do with this. There's so much going on with it and the insurance company is just worthless. I have to watch everything or they'll bill me for something that they should pay.
I haven't received anything from a debt collection company by mail. Just phone calls so far.
Best Answers: How do I figure out if this debt collector is legitimate?
Amey | 4 days ago
my suggestions - (1) have your insurance company send you ALL paperwork regarding your Dr visits, exams, etc and be sure they show what you paid and what they paid.........I would do that ASAP (2) there is a capital management services, that is a collection agency.....(3) have you received any notices from any coll.agency or just phone calls ?? if it's only phone calls, then ignore them and better yet, block the #'s [ easy to do, ask your phone company ] (4) after you look at the paperwork from the ins company, you can see what if anything you owe, and go from there
whenever I contact a company to ask questions, I will do so via email or their chat service, that way I have a record of what was said.............a phone call does no good
also - do not respond to any coll agency unless you get a court summons, which would be way down the line
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We found more questions related to the topic: Case scenario for social work
Originally Answered: Is the debt collection agency Asset Acceptance LLC a scam debt collector?
Yes, they are one of the worst collection agencies around. The BBB will do nothing except keep records for calculations.
You need to do the following:
Send then a written request for validation (see sources), once this is done, it stops them from contacting you by phone. They have 30 days to validate the debt and do so properly and legally.
File a complaint with the FTC at the following web site
File a complaint with your state attorney generals office.
Keep copies of any and all communications you send or receive.
Read and understand your rights under the FDCPA (you can download a copy at the link in the source area).
And one last thing, you can read more about them at the following:
And one more thing which I must and can not stress enough: DO NOT PROVIDE THEM WITH ANY BANKING INFORMATION!
If they leave a voicemail claiming to be a debt collector, they ARE NOT legitimate.
It is a CRIMINAL offense in the US to tell anyone other than the debtor you are attempting to collect a debt. Leaving a voicemail violates that law because they have NO WAY of ensuring who listens to the voicemail.
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When you call the doctor's office, speak to someone in the Billing Dept, which may not even be in the same place. And call your insurance and ask why they didnt cover the charge. Dont go by what's on line since that may not be up to date. Speak to people on the phone. Speak to the administrator at your employer who sends the bills in.
👍 37 | 👎 -8
Make copies of the paid statements and take them down with you to the doctor office and clear it up.
👍 34 | 👎 -14
If you don't return the debt collectors call, you have no idea what they are calling about. It's possible that they are calling about something completely different than the medical bills. Or even if they are calling the correct person.
Regarding your medical bills:
1. Ask for a complete record of your medical bills and payments from the doctor(s).
2. Review your online claims with your insurance company.
Remember that your deductible will reset on January 1.
You can create an extra spreadsheet of what was paid and what needs to be be paid.
If you have questions, you can then call the insurance company and ask about specific transactions:
Such as: "On Dec 13, I had a doctors appointment and you paid $143 but for the same procedure in November you paid $192. Why the difference?"
"I have to watch everything or they'll bill me for something that they should pay."
-yes, it's not unusual for this to happen. In fact, some people with lots of different medical bills actually hire people to handle the claims and payment process.
👍 31 | 👎 -20
Originally Answered: Can I sue att for for an identity theft debt from 6 years ago that was sold to a debt collector?
Lots of poor advise here. Lets start all over.
1) The debt is will beyond the statute of limitations, and even if they had a case they can't collect on this debt. They have the legal right to post this to your credit report. And it can only be reported for 7 years, so if it's already been 6 it will drop off in another year. Not much to worry about.
2) You do have a good case if you have notified them IN WRITING that you are the victim of identity theft.
Here is some information about the FACTA law that apply here....click on the bottom link for the entire file, and do a Yahoo search for the FACTS law and read what it actually says, and how it protects you.
To answer your question though, if you still have proof you sent ATT and/or the previous collection agency a notice your ID was stolen, PLUS a copy of the police report, you can sue them. Look for a lawyer in your area that specializes in consumer debt and you will most likely find one that will take your case without any up-front fees (except the filing fee). This is a slam-dunk case and they will collect their money once they win.
D. Information Available to Victims
For victims, obtaining copies of the imposter's account application and transactions is an important step toward regaining financial health. A business that provides credit or products and services to someone who fraudulently uses your identity must give you copies of documents such as applications for credit or transaction records. The business must also provide copies of documents to any federal, state, or local law enforcement agency you specify.
To obtain account documentation, you must supply proof of your identity. The business may also ask you to provide a police report and an identity theft affidavit. For a copy of the FTC's fraud affidavit, see www.ftc.gov/bcp/edu/resources/forms/affi... You must also:
* Make your request in writing.
* Mail the request to the business at an address it specifies.
* If the business asks, include relevant information about dates and account numbers.
Are there reasons a business would not have to give me this information?
Yes, there are some exceptions. A business does not have to provide this information if:
* There is not a "high degree of confidence" in your true identity.
* The request contains a misrepresentation of fact.
* The information is Internet navigational data or similar information about a person's visit to a web site or online service.
Can I sue a business for not turning information over to me?
The business can be sued only by a government agency. And the business cannot be held civilly liable if it makes a “good faith” effort to comply.
E. Collection Agencies
A call from a collection agency is often the first sign of trouble for an identity theft victim. Under FACTA, if you are contacted by a collection agency about a debt that resulted from the theft of your identity, the collector must so inform the creditor. You are entitled to receive all information about this debt -- such as applications, account statements, late notices from the creditor -- that you would be entitled to see if the debt were actually yours. In addition, FACTA says that a creditor, once notified that the debt is the work of an identity thief, cannot sell the debt or place it for collection.
For more on collection agencies, see the PRC guide Debt Collection Practices: When Hardball Tactics Go Too Far, www.privacyrights.org/fs/fs27-debtcoll.h... The FTC's guide for identity theft victims also includes information on how to deal with collection agencies. Read Take Charge: Fighting Back Against Identity Theft, www.ftc.gov/bcp/edu/pubs/consumer/idthef...
Yahoo notice...I am not associated with any of the links or companies in this message. I offer them only as a source to the questioner. So lay off me!