Unfortunately there are thousands of people that have medical accounts in collections that should have not been placed in collections. Let me give you some general tips that can help you. If you have medical bills, they can be placed into collections much quicker than accounts such as credit cards, auto accounts and utility bills.

If you owe a lot of money (generally over $500) on a medical bill, it is very important that you contact the creditor very quickly. If you have insurance that has not been billed, that is the first thing you need to do. If your bill is the final bill after insurance has been billed, you should know the following fact. Many medical offices whether they are connected to a hospital, clinic, doctor’s office or dental office do not employ bill collectors.

If you do not contact them immediately, they will automatically send your account to a collection firm. Depending upon how long they hold onto your account, which could be 15 to 45 days, they may or may not call you or write you about your outstanding balance. If you have a small outstanding balance such as up to a couple hundred dollars, you may get some kind of communication regarding your debt. If you set up a payment arrangement of at least $25 a month and pay each month, they will not send your account to collections.

If you owe $500 and above, they may quickly send your account to collections. What I have just described to you is generally what happens with medical bills. If you have some outstanding medical bills and you would like to discuss your situation in more detail, you can call me at 313-744-5977 or e-mail me at [email protected]