Avoiding medical debt collection insurance scam:
Debt Collector: Hi we are debt collectors, we need your phone number and address to verify.
You: No.
DC: You have a medical debt of $7k, you need to pay or we are going to ruin your credit score.
Y: I’m requesting an itemized bill with every single charge, and a copy of my original invoice or receipt with my signature. Otherwise you are illegally trying to collect this debt and legally, I don’t have to pay it.
If they don’t have it, you can hang up.
If they do have it:
You can wait 5 years for the debt to die or we can settle this b/c I know the hospital sold you this debt for pennies and you are just trying to make some profit back. Let’s settle this for $500 for a pay to delete where you agree to remove this off my credit report.
Request a written confirmation before you make a payment.
@ajla_talks Reply to @ajla_talks Don’t let debt collectors scare you!! You have all the leverage #money #hospital #finance