• The TUGBBS forums are completely free and open to the public and exist as the absolute best place for owners to get help and advice about their timeshares for more than 30 years!

    Join Tens of Thousands of other Owners just like you here to get any and all Timeshare questions answered 24 hours a day!
  • TUG started 30 years ago in October 1993 as a group of regular Timeshare owners just like you!

    Read about our 30th anniversary: Happy 30th Birthday TUG!
  • TUG has a YouTube Channel to produce weekly short informative videos on popular Timeshare topics!

    Free memberships for every 50 subscribers!

    Visit TUG on Youtube!
  • TUG has now saved timeshare owners more than $21,000,000 dollars just by finding us in time to rescind a new Timeshare purchase! A truly incredible milestone!

    Read more here: TUG saves owners more than $21 Million dollars
  • Sign up to get the TUG Newsletter for free!

    60,000+ subscribing owners! A weekly recap of the best Timeshare resort reviews and the most popular topics discussed by owners!
  • Our official "end my sales presentation early" T-shirts are available again! Also come with the option for a free membership extension with purchase to offset the cost!

    All T-shirt options here!
  • A few of the most common links here on the forums for newbies and guests!

Collection Woes!

tchr54

TUG Member
Joined
Jun 9, 2009
Messages
85
Reaction score
0
Points
0
Location
Clinton, Mo
Hi All,
I recently had shoulder surgery at a hospital in a neighboring state. The hospital had an excellent reputation for surgical services. My problem is this-my insurance company paid several thousand dollars to the hospital, but left me with about a $1500 bill. I have been paying $100 per month on the bill, but got a letter from the hospital saying they want all the balance or they would turn me over to a collection agency. I thought that as long as you were making good faith payments, they couldn't turn you over to collection. Please help!!
 

DeniseM

Moderator
Joined
Jun 6, 2005
Messages
57,603
Reaction score
8,992
Points
1,849
Resorts Owned
WKORV, WKV, 2-SDO, 4-Kauai Beach Villas, Island Park Village (Yellowstone), Hyatt High Sierra, Dolphin's Cove (Anaheim)
Hi All,
I recently had shoulder surgery at a hospital in a neighboring state. The hospital had an excellent reputation for surgical services. My problem is this-my insurance company paid several thousand dollars to the hospital, but left me with about a $1500 bill. I have been paying $100 per month on the bill, but got a letter from the hospital saying they want all the balance or they would turn me over to a collection agency. I thought that as long as you were making good faith payments, they couldn't turn you over to collection. Please help!!

What was your written payment agreement with the hospital - that's what counts.
 
L

laurac260

Hi All,
I recently had shoulder surgery at a hospital in a neighboring state. The hospital had an excellent reputation for surgical services. My problem is this-my insurance company paid several thousand dollars to the hospital, but left me with about a $1500 bill. I have been paying $100 per month on the bill, but got a letter from the hospital saying they want all the balance or they would turn me over to a collection agency. I thought that as long as you were making good faith payments, they couldn't turn you over to collection. Please help!!

Did you set up a payment plan with them? Yes, it is my understanding that so long as you have a payment plan that you are meeting in good faith, they cannot turn you over to collections. And if they are cashing your check, they are accepting your terms (I saw that on Judge Judy once).
 

persia

newbie
Joined
Nov 18, 2007
Messages
1,179
Reaction score
6
Points
36
Location
Carlingford, NSW
As with any creditor you need to talk to them. They need to know that you want a payment plan. In this day and age of computers whatever is in the computer dictates their actions.
 

JeffW

TUG Member
Joined
Jun 6, 2005
Messages
1,699
Reaction score
11
Points
398
Location
Philadelphia
Did the hospital get bought by a different company? Maybe they have different rules.

Is it possible they think you had a year or so to pay it off, whereas at your rate ($100/month for 15 months), your bill won't be paid?

I'd like to think it's a simple confusion somewhere. I agree with others, you need to research what you signed (hopefully something, and it wasn't just verbal) when you started making your payments.

Jeff
 

stmartinfan

TUG Member
Joined
Jun 11, 2005
Messages
1,807
Reaction score
1,047
Points
523
Location
Minneapolis, MN
Resorts Owned
Divi Little Bay, St. Maarten
I'd echo the sentiments above to call and talk with someone asap, so you avoid having this go to a collection agency. I expect the hotel will be much more flexible than an agency.

And I'd suggest that if you don't get the answer you need from the first person you talk with, ask to talk with their superior. Too often the first person won't have the authority to make "exceptions" if that's what's needed. You might need to continue to escalate this to even higher levels at the hospital.

You'll want to have your facts ready, i.e., what the agreement was, what you've paid so far, and how diligent you've been, etc., You may also want to send this to someone in writing or by e-mail, so you've got a documented "trail," if you need to take your case to someone else who could help.

If it looks like you aren't going to get anywhere with the hospital yourself, you could try r calling any local ombudsman in your area - sometimes a local TV station or newspaper will have someone who handles issues like this or somewhere in your state government there may someone who regulates the medical industry who would be willing to support you. Having your "paper trail" will then allow them to better advocate on your behalf, because you can prove you tried yourself, and the hospital wasn't being reasonable.
 

Passepartout

TUG Review Crew: Veteran
TUG Member
Joined
Feb 10, 2007
Messages
28,385
Reaction score
17,073
Points
1,299
Location
Twin Falls, Eye-Duh-Hoe
Without a payment agreement, they would expect payment of the balance within a reasonable time (after your insurance has paid their part). You cannot unilaterally decide to just make 'good faith' payments. Call the health care provider and speak with their financing office. They may either make a payment schedule offer or provide you with an application with a 3rd party financing company if you can't pay the balance.

Jim
 

persia

newbie
Joined
Nov 18, 2007
Messages
1,179
Reaction score
6
Points
36
Location
Carlingford, NSW
The key here is to try to work it out with the hospital, the further down the creditor food chain you get, the nastier they get. They are likely used to people paying them off on payments, they likely have a payment plan, but an ordinary bill likely comes with a 30 day due date. You can't just assume that they will put you on a payment plan if you start sending them money....

TALK to them.
 

geekette

Guest
Joined
Jun 6, 2005
Messages
10,777
Reaction score
5,531
Points
848
yep, you need an Actual Payment Plan. Your status is likely "guarantor responsibility" with no pmt plan on record.
 

jlr10

TUG Member
Joined
Jun 7, 2005
Messages
1,230
Reaction score
4
Points
398
You might also check to see if Care Credit will work with you. (google them for info.) I have used them for expensive dental work. They issue a credit card for health related issues and then offer a reasonable payment plan. In our case they offerred 12 months at 0% interest. They may not be offerring the same terms now but if the hospital won't work with you this might be an option.
 

persia

newbie
Joined
Nov 18, 2007
Messages
1,179
Reaction score
6
Points
36
Location
Carlingford, NSW
Used care credit for dental work, got a 12 month interest free deal and of course paid it off in 12 months....

This year got a Discover Card to pay off Dentist bill, 12 months interest free. I like these interest free deals, they allow time to pay and maybe kick your credit rating up a point or two.
 
Top