Sep 13, 2012
If you are annoyed by these because you do not owe anyone anything to your recollection (no pun intended) definitely take a look at your credit report for MEDICAL bills. usually these are the bills that sneak right by, right down to ER services. I did have a Hamilton bill collector call me and I argued w/these people til the cows came home and they ended up being right. The medical billing industry is sadistic - they do not care about anything except data input and the minute the day comes when it's out of their hands, these bill collectors will haunt you - and I WAS in that situation. I made a very very bad mistake, and hopefully those reading this will learn from my mistake. If you pay a bill through ANY service like this make CERTAIN you get 'the letter of full payment' because they do not always record the 'final pay off' to the debt center (hospital usually or those 'buy now pay in two years' credit opportunities (usually furniture stores) The letter of payment is the single most important and ONLY documentation that you paid. My husband and I were so badly damaged by the lack of this letter that we ended up paying a 3,000.00 bill TWICE - otherwise the credit was going to get whacked down, and no one in our nation can afford for that to happen especialy now - so anyone reading this, learn from our mistake so that you do not make it in the first place. If you are paying a collection agency for any reason, get the letter and haunt them until you do - have them email it WHILE you're making your last payment - speak to a supervisor - WHILE you're making that last payment otherwise you'll end up in the same mess we were in and broker down the line - Sorry for rambling. I care a great deal about my fellow citizens. So the best thing to do is pay our bills on time, but for those hard times when we end up in situations where these numbers are calling us - get the letter - GET THAT LETTER... ok... I'm done... God Bless all ~