Debt collectors can absolutely come after you for medical bills. In fact, medical debt is one of the most common types of debt sent to collections. Here’s a breakdown of the situation:
- Unpaid Medical Bills: If you have unpaid medical bills, the original provider (hospital, doctor) may try to collect the debt themselves. If unsuccessful, they might sell the debt to a collection agency.
- Collection Agencies: Collection agencies specialize in recovering unpaid debts, including medical bills. They may contact you by phone, mail, or even in person to attempt collection.
- Your Rights: The Fair Debt Collection Practices Act (FDCPA) protects you from harassment and unfair collection tactics. You have the right to request debt validation (proof of the debt) and dispute any errors.
Here’s what you can do:
- Contact the Medical Provider: Try to negotiate a payment plan or explore financial assistance options directly with the provider before the debt goes to collections.
- Request Debt Validation: Once contacted by a collection agency, request written verification of the debt within 30 days. By law, they must stop collection efforts until validated.
- Review the Details: Scrutinize the validation for accuracy. Look for errors like wrong amounts or outdated debts exceeding the statute of limitations. Dispute any discrepancies.
- Develop a Communication Plan: Maintain written communication with collectors. Be polite but firm, asserting your rights without admitting guilt. Report any harassment to the FTC and your state Attorney General.
- Explore Debt Resolution Options: Consider full payment with a negotiated settlement, a manageable payment plan, or seeking help from a credit counselor (debt settlement companies can negatively impact your credit score).
Remember: You’re not alone. Medical debt is a common issue. By understanding your rights and taking action, you can manage the situation and work towards resolving the debt.