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amylynn76

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Can debt collector add multiple accounts to your credit?
A debt collector added 9 seperate accounts (each for 15.00 for medical office copays within a 2 month time span) to my credit. Is that legal or do they have to consolidate the amount?

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legal

Yes it is legal as they were all seperate "accounts" (they were not all one purchase so to speak). If they are in collections and are simply $15 each you should try negotiating them down. Collection agencies purchase these bad debts for pennies on the dollar. First send a debt validation letter, you can find a sample here http://www.creditinfocenter.com/forms/sampleletter9.shtml . If they respond in the mandated time, then start to negotiate. Do so by mail or email hit them with a low number say $5.00 per account listed (if you can manage to pay them that is) they will more than likely come back with a higher number. Try to get them to also agree to deleting them once they are paid and get this in writing as well. Any delinquent account looks bad and is a derogitory mark on your credit report.it is important to get these cleared up if at all possible.

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