Settle with numerous medical accounts to same collector

[Anonymous]

I am wondering how I should go about settling for a number of medical accounts that are very old. The real complication is that there are 18 accounts between 4 collection companies. Of those 18 accounts are past the Florida Statue of Limitations where I was living at the time and another 4 are past the limit if they use the South Carolina limits since I live here now.

Questions:

1. If I make payments on some of the accounts with a particular collector, will it cause any problems not paying off all of them with that collector?

2. Some of the collectors have items that are both past the Statue of Limitations and some that are not. The majority of what I owe is to just one collector and most of those accounts are not past the Statue of Limitations. Does anyone forsee problems with that?

3. What percentage of the balance should I offer for medical accounts. The total $5772 for all of them and $4527 for those not past the Statue of Limitations.

If anyone can answer these questions I would appreciate it.

Ron

[admin]

<blockquote>1. If I make payments on some of the accounts with a particular collector, will it cause any problems not paying off all of them with that collector?[/quote]
I'd do a debt validation with all of them at the same time to avoid that problem.
2. Some of the collectors have items that are both past the Statue of Limitations and some that are not. The majority of what I owe is to just one collector and most of those accounts are not past the Statue of Limitations. Does anyone forsee problems with that?
You should be fine if you do debt validation and they cannot validate. Until they validate, they can't take you to court.
3. What percentage of the balance should I offer for medical accounts. The total $5772 for all of them and $4527 for those not past the Statue of Limitations.
Do debt validation before you do anything.

[vonniegirl]

Also, if you make any payments it will start the time all over again and the CA's can reage them on your report even if the SOL is up :( .

Is this correct admin? or should ron not be worried about this yet?

[Anonymous]

<blockquote>Originally posted by vonniegirl
Also, if you make any payments it will start the time all over again and the CA's can reage them on your report even if the SOL is up :( .

Is this correct admin? or should ron not be worried about this yet?
</blockquote>

IS this correct? I thought once it went to the CA paying it off did not start the time over. Please let me know for sure.

[Anonymous]

Another question. Since I have a number of accounts per CA, can I send each CA all the validation letters in one envelope or do I need to send them seperately?

[admin]

Your question above: It depends on your state whether or not the Statue of Limitations is restarted.

<blockquote>Another question. Since I have a number of accounts per CA, can I send each CA all the validation letters in one envelope or do I need to send them seperately?
</blockquote>

I'm sure one envelope would work fine.

[Anonymous]

<blockquote>Originally posted by admin
Your question above: It depends on your state whether or not the Statue of Limitations is restarted.
</blockquote>

Where do I find out the specifics for each state? The information that I saw under your SOL listing for each state only shows the amount of time for each type of debt. I received the service in Florida but now live in South Carolina.

BTW, if I was in the hospital but not able to sign the form, would that be construed by a judge as a verbal contract?

Ron



[Edit by ronpurvis on Tuesday, October 1, 2002 @ 11:26 AM]