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Home > Ask The Get Out of Debt Experts > Continuing to dispute old medical debt insurance was supposed to pay. – Leilani

Continuing to dispute old medical debt insurance was supposed to pay. – Leilani

Back in 2003 a family member had a sleep study and the clinic staff assured him it would be covered by our insurance.

They requested a second study and we once again were assured by billing staff that it would be covered. He stated that he would not have it unless it was covered.

When all was said and done the staff member was gone and we were being billed for several hundred dollars and it was eventually turned over to collections.

He disputed the charges with the collections firm to no avail so we have been paying $10/month since then. We receive no paperwork, no accounting, etc. so I called to find out about the account and was told it is more now than back in 2004 since it accrues interest.

At no time did anyone ever say there would be interest and I voiced again that the initial charges were disputed. How can we continue to dispute the initial charges and get out from under this?

Leilani

Continuing to dispute old medical debt insurance was supposed to pay. - Leilani by

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  • http://www.consumerrecoverynetwork.com/ Michael

    Hi Leilani,

    Who is the collector you are paying?
    When did you start paying?
    What amount of time was there between the service being delivered and the first payment made?
    Was your dispute documented? If so, do you still have copies?
    Do you have a copy of the original paperwork from the sleep clinic?
    Was there any reference to interest being charged in the sleep clinic paperwork?

    I do have some feedback for you and perhaps some direction to look at taking. If you can answer the questions in a comment reply, the additional detail would be helpful.

    • LeiTodd

      Payments are made directly to the health clinic who provided the services and they started in 3/2004 when the services were provided in 2002. I will have to dig to see if copies are available. The clinic could not provide me any details and it was the collections agency who notified me there was interest rate yet there is no comment in their initial letter that there was interest rate.

    • LeiTodd

      Payments are made directly to the health clinic who provided the services and they started in 3/2004 when the services were provided in 2002. I will have to dig to see if copies are available. The clinic could not provide me any details and it was the collections agency who notified me there was interest rate yet there is no comment in their initial letter that there was interest rate.

      • http://www.consumerrecoverynetwork.com/ Michael

        Thanks for the additional detail.
        I have doubts about whether the interest is being legally applied – as in there should be none.
        It would be a good idea to speak with an attorney who focuses on consumer abuse.
        Please post a comment reply with the state you live in and I will try to locate a couple of experienced attorneys for you in my next reply. What you learn from the attorney you consult with would likely lead to your next step.

        Also, what is the total balance on the account today?
        If you are not going to connect with an attorney you at least deserve to know what you are being charged is consistent with what you originally agreed to and that the payments you have made for nearly 8 years are being applied consistent with that agreement. 
        If it were me, I would not make another payment and request in writing a copy of the original contract and a complete and accurate accounting of all payments made before determining what I would do next.
        I would send any written request certified mail return receipt requested.

      • LeiTodd

        The services were provided by a clinic in Topeka, Kansas. The clinic could not provide me information other than the account had been turned over to collections in 2004. I mentioned to her that I wanted an accounting and that we had disputed the charges she stated she was not there in 2004. When I contacted the collections agency I was told the balance was now over $1500, more than their 2004 letter and the clinic’s last statement I had received. This was when I was informed of the interest rate being charged. They stated they would fax me an accounting of the account; however, we have received nothing yet.

        What should we state in our letter?

      • http://www.consumerrecoverynetwork.com/ Michael

        Your letter would demand a copy of the original contract and thorough accounting of all payments.

        Here are some experienced consumer attorneys in KS you could reach out to in order to discuss options you may have:

        Charles Kugler in Kansas City – 913-371-1930 ext. 104
        Noah Wood in Kansas City –

        816-256-3582

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