Legal Question in Credit and Debt Law in Pennsylvania

my obgyn performed tests for an ablation that she refused to do because she said I was to heavy and had sleep apnea. She never consulted with the doctor of my sleep study. I ended up have the ablation from another dr. and then a hysterectomy. Now she is sending me a bill for 557.00 dollars


Asked on 2/26/16, 12:59 pm

1 Answer from Attorneys

Is there a question here? You don't feel you should pay the bill. Medicine does work that way. You had the tests performed. You should have discussed all this with the doctor before consenting to the tests.

Is your credit otherwise fine? If so, I would not allow it to be ruined over a $567 bill. There are things you can do to get this reduced. Do you have insurance? Have they already paid? Have you talked with the billing office and determined if you are entitled to any kind of a discount? Sometimes, if you pay the bill in a lump sum they will knock a percentage off the bill. Can't afford to do that? Then set up a payment plan. If you pay $50 to $100 a mnth then this should be paid off quickly.

I get that you are unhappy with the doctor. If so, don't go back to her ever again. If your credit is shot for other reasons, then one more debt is not going to hurt. The office will send this out for collection. Eventually, a collector will settle with you for 50%, although there are no guarantees. I have medical providers settle and some who will not. The statute of limitations is 4 years in PA for a debt like this. That means that the creditor has 4 years from the date of treatment or date of last payment of any kind in which to sue. If you aer not able to settle and do not want to pay, unlikely you would be sued for a debt like this. Once you have past the statute of limitations expiration date, it is unlikely that you would be sued. However, the unpaid debt will remain on your credit report for a period of about 7 years from the date on which the debt was charged off or sent for collection.

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Answered on 3/11/16, 2:57 pm


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