Medical Debt Credit Impact

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Summary

Medical debt can impact your credit score. A collections agency can be listed as the original creditor if the debt was sold to them. Communication methods can vary based on state laws. Alaskas statute of limitations on medical debt is 3 years. Arizona has a law that limits communication of debt collectors. You have the right to request an itemized bill under the Fair Debt Collection Practices Act. If the collection agency refuses, you can dispute the debt. Consult a lawyer in Alaska and Arizona for precise advice.

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Sure, here's a clear and concise paragraph describing your situation: I had an ER visit in Alaska and was insured by two different insurance companies at the time. Despite this, the hospital claimed they had no record of my insurance and charged me $*,*. As I did not read the mail regarding this charge, the debt was sold to a collections service and has now impacted my credit score. I understood that medical bills were not supposed to affect my credit, yet my credit report lists the collections agency as the original creditor, when it was actually the hospital. Now that I live in Arizona, the collections agency has stated that they cannot communicate with me in writing due to legal restrictions, making it impossible for me to get any payment plans sent to me. I am seeking assistance to resolve this predicament.
I see, ****. Your situation is related to medical debt, credit reporting, and collections law. Here are some general legal points:
- Medical debt can affect your credit score.
- A collections agency can be listed as the original creditor if the debt was sold to them.
- Communication methods can vary based on state laws.
However, laws vary between Alaska, Arizona, and Colorado. Did you have the insurance in Colorado?
No I had insurance from costco in alaska and my parents in arizona.
Thank you for clarifying, ****. Since your insurance was from Alaska and Arizona, it's important to consider laws from these states.
- Alaska's statute of limitations on medical debt is 3 years.
- Arizona has a law that limits communication of debt collectors.
Please consult with a lawyer in these states for more precise advice.
I cant get a itimized bill or get a payment plan. How am i supposed to pay the debt?
You have the right to request an itemized bill under the Fair Debt Collection Practices Act. If the collection agency refuses, you can dispute the debt. As for the payment plan, it's the agency's discretion to offer one or not. A legal advisor can provide more personalized advice on this.