Called 8:55pm on a weeknight... Said they were a hospital calling about a bill, could not give any details about what the bill was for. Finally admitted that they were a collection agency and wanted to help me?
Told to stop bothering me.
Debt collectors do purchase old debt for pennies on the dollar. DO NOT take the call! Every state has statue of limitations on debt, know yours. If you take the call you (in most states) start the clock all over again. If they leave a message write down the number and look it up on your computer "Google it"
NEVER CALL THEM BACK EVER!!!!
Remedy:
Be smart - Contact each of the three credit score agencies by letter and challenge any debt put on your account. 99% of the time debt collectors are unable to validate debts they purchase. By law debt collectors have 30 days to validate any debt. If they can't validate the debt you have the right to have debt collectors removed from your credit score immediately after the 30 days are up.
Tip: Are you aware that you DO NOT have to sign a personally guaranty of payment above what your healthcare provider will pay on claims? Sure medical facilities hand you that document (if your stupid) but on a voluntary basis. NEVER SIGN IT. Emergency room visits, surgery, blood tests etc. Anything that requires you to submit your healthcare insurance coverage, NEVER SIGN IT. You don't have to sign it and they know it! By not signing it these entire medical facilities can only collect what ever your health insurance will cover, that's it.. Not a penny more. Look over every document they hand you. Look for the words “personal guaranty of payment”. Often times you will find these sneaky little paragraphs mixed in something like a patients bill of rights form. You can also strike the paragraph and initial it should it be mixed in with a simple registration form. What I do is write the words “I Do Not Personally Guaranty Payment” over or above that paragraph, then sign my name with the days date. 1 out of 4 bankruptcies in the USA are caused my medical debt… because people sign the personally guaranty of payment. NEVER SIGN IT.
some man called .. 2 times in 5 mins.. demanded my mentally challend brother give him, my cell number.. my brother told him I wasnt home.. but the nurve of him demanding my other phone number.. when I don't know anything about this call to begin with..