Statute of Limitation On Medical Bills

medical

Question

A majority of my credit reporting issues are, unfortunately, alot of medical bills I’ve been unable to pay over time. Not sure how these are seen in terms of the statute of limitations, but I recently received a letter from the collection agency that owns all of my accounts, and that partial payments were no longer accepted. Strangely enough I had previously paid off two of the accounts, online, with receipts for each.

My Response

The statute of limitation is 6 years in most states. Also, a collector who says that “partial payments” are no longer accepted is lying. Collectors will tell you anything to get you to pay. They are simply trying to scare you and I bet would be more interested in cutting a deal with you if you were to say, “Well then I suppose you get nothing”. Keep on pushing them and they will eventually take an offer.

If you need help removing a medical collection from your credit report check out my article on how to do that.

In regards to the paid off accounts and the incorrect account balances. You need to print out the receipts you have and any other documentation that proves these accounts are paid off. Mail these documents to the collection agency and tell them that by federal law you have the right to request that they provide solid proof that the debts are yours. In many cases, they simply cannot do this –either because they were lying or because they don’t know how to do their books. Hang in there.

19 Comments

  1. Avatar Eric Parker June 23, 2009
    • Ryan Greeley Ryan March 12, 2013
  2. Avatar chris w March 5, 2010
  3. Avatar karen rodriquez October 6, 2011
  4. Avatar Natalie Castor March 27, 2012
    • Ryan Greeley Ryan February 21, 2013
  5. Avatar Ann March 24, 2015
    • Ryan Greeley Ryan Greeley April 6, 2015
      • Avatar Michael July 14, 2017
  6. Avatar Larissa February 7, 2016
    • Ryan Greeley Ryan Greeley February 20, 2016
  7. Avatar Tara September 22, 2016
  8. Avatar Michelle Lyons November 29, 2016
    • Ryan Greeley Ryan Greeley December 9, 2016
  9. Avatar Denise Holman February 8, 2017
    • Avatar Cathi N. December 2, 2018
  10. Avatar Jeff February 22, 2017
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  12. Avatar Samantha January 2, 2018

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