Legal Question in Credit and Debt Law in New York

Dealing with collection agencies

Hello.

Background:

I don't have med. insurance (can't afford one). I needed non-urgent medical attention (for gastritis), so I went to a emergency room (in New York), where after a bunch of unnecesary tests, I was given a prescription for a anti-acid med. I gave them my correct last name, address and phone (but not social) and also I refused to sign a form to agree to pay for it.

Now I'm recieving calls and letters from collection agencies with bills totaling over 1300.

Question: I don't want to pay and I don't want this getting to credit agencies. Is it possible? How far can they go to try to collect? What's the worst that can happen? What's your advice?


Asked on 8/16/06, 8:06 pm

2 Answers from Attorneys
Jason Stern Law Offices of Jason Stern

Re: Dealing with collection agencies

Well my advice is a bit different. While I do not agree with your actions, I must say that hospitals routinely overcharge for services and perform unnecessary tests that they can bill for. My advice is to dispute the amounts of the bills and offer to settle your bills for 30-50% of the face value.

The worst that can happen is that they say NO, file suit against you, and get a judgment that will remain on your credit report for 20 years, preventing you from obtaining financing to purchase a car or home.

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Answered on 8/17/06, 10:03 am
Debra Palazzo Law Offices of Debra Palazzo, LLC

Re: Dealing with collection agencies

What's my advice? Pay your bill!

You went to the ER with a "NON URGENT" problem and no intention of paying. What gives you that right?

You will prob wind up with a negative credit report and possibly a judgment.

Offer to pay them $50/mo (or more) til paid.

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Answered on 8/16/06, 10:18 pm


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