Hi Everyone!
So our Chapter 13 is finally done and over with. Discharged, closed, hurray. We've been slowly getting used to the extra money back in our paycheck, and being very vigilant with our spending.
In today's mail, though, we received something I wasn't expecting...a collection letter. It is Revco Solutions claiming my husband owes nearly $800 to a local hospital. The debt is from September 2016 (we filed in August 2015). I remember the time in question, I had to rush my husband to the hospital due to a near stroke. We have a high deductible health plan through my employer, so we were dreading the medical bills. I even told my BK attorney about it, and that I was worried. He told me to wait until the bill came in, and if it was too much to handle separately (and the hospital wouldn't make payment arrangements) he'd work to get the debt included in our plan. We never got a bill, though. Any calls that came collecting debts, we'd direct to our attorney. So, I don't know if they messed up, the billing was delayed or someone collecting on behalf of the hospital did contact our attorney.
Do I just send a standard "validate the debt" letter or do I just work with them to lower the amount (the letter is one of those, "we'll lower the amount you owe to another amount if you work with us") and pay it off and be done with it?
So our Chapter 13 is finally done and over with. Discharged, closed, hurray. We've been slowly getting used to the extra money back in our paycheck, and being very vigilant with our spending.
In today's mail, though, we received something I wasn't expecting...a collection letter. It is Revco Solutions claiming my husband owes nearly $800 to a local hospital. The debt is from September 2016 (we filed in August 2015). I remember the time in question, I had to rush my husband to the hospital due to a near stroke. We have a high deductible health plan through my employer, so we were dreading the medical bills. I even told my BK attorney about it, and that I was worried. He told me to wait until the bill came in, and if it was too much to handle separately (and the hospital wouldn't make payment arrangements) he'd work to get the debt included in our plan. We never got a bill, though. Any calls that came collecting debts, we'd direct to our attorney. So, I don't know if they messed up, the billing was delayed or someone collecting on behalf of the hospital did contact our attorney.
Do I just send a standard "validate the debt" letter or do I just work with them to lower the amount (the letter is one of those, "we'll lower the amount you owe to another amount if you work with us") and pay it off and be done with it?
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