Skip to main content
No. of Recommendations: 0
Okay, not quite that clear cut. This is largely my fault for being stupid. While waiting for the MRI center and insurance to figure out and tell me my final responsibility, I let a bill for a whopping $12 languish. I was kinda waiting for a breakdown from my insurance company (they always send one) explaining why my patient responsibility exceeded what was calculated on the day of service (I'm on a high deductible plan, so I pay the negotiated rate, no more, no less). I went ahead and paid it only once I received a final notice from the MRI center.

Well, the MRI center cashed my check on May 6th. Today I received a letter from a collection agency dated May 4th, for the same $12. Oops. So it seems they "crossed" in the mail. I just called the MRI center, and they verified that they received and processed my payment, I'm paid in full, nothing due. They're sending me a statement verifying this.

So now I need to deal with the collection agency. I know I have 30 days from receipt of the collection notice to respond, in writing. Should I simply ask them to verify the debt? Does that inquiry actually trigger them to contact the creditor, or would they simply look at their own records and reply - "Yep, it's valid"? Or, should I wait until I get the final statement from the MRI center, and include a copy of that with my letter? Is there any point to contact them via phone, or is that opening up a can of worms I'm better off avoiding?

Any tips or suggestions welcome. Just trying to figure out the best way to make this go away.
Print the post  

Announcements

UGC Disclosure Notice Regarding Credit Card Posts
Community board discussions about credit cards are not provided or commissioned by banks who may have advertising relationships with The Motley Fool. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
TMF Credit Center
The Motley Fool Credit Center arms you with real tools and simple messages, that will help you in every credit situation.
What was Your Dumbest Investment?
Share it with us -- and learn from others' stories of flubs.
When Life Gives You Lemons
We all have had hardships and made poor decisions. The important thing is how we respond and grow. Read the story of a Fool who started from nothing, and looks to gain everything.
Contact Us
Contact Customer Service and other Fool departments here.
Work for Fools?
Winner of the Washingtonian great places to work, and Glassdoor #1 Company to Work For 2015! Have access to all of TMF's online and email products for FREE, and be paid for your contributions to TMF! Click the link and start your Fool career.