Are you sure about that 4 year thing? Cause they put it on my credit report and I was told it would be on there for 7 - 10 years!!! They keep calling my work number and hanging up cause they know they aren't legally supposed to harrass you at your place of employment.
Similar situation - this was a bunch of medical bills through Creighton. I applied for financial assistance at the time and was approved, however, these bills had already been sent to collections and they said they could not get them back.
However, at this time time, I also received financial assistance at UNMC and they had also sent bills to collections, but they pulled them back out and applied them to my approval for assistance.
I have medical bills I can't afford to pay right now. I keep getting calls from this number, and I don't answer it. I owe 575 in medical bills. I can only pay when I can afford it. I am a single mother. My mom said I am what Dave Ramsey refers to as Judgement proof.
This number calls all the time and during a time nobody is able to answer the phone, it says cell number on Caller ID, but when answered nobody talks. I assume it has to be a collector doing their job. I would be more then willing to square up with my debts, however I need more then what they tell me off their screen and their word...remember they call and do not talk and when I call back they say to pay an amount and they can-not prove I owe, they can only say the computer says you owe.
Very Un-Professional and Ignorant; Collectors get your facts all together and ready to send out to me by the next businss day so I can get it within 7 days.
MR. JONES E SMITH . ARE A LAW PROF. IF SO, IS THIS TRUE ABOUT CONSUMER DEBT . ( ie Medical bills , credit card debt.) and this 4yr. thing. then someone else on this same site says 7 to 10 yrs.