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Posted in Paying Your Bills
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CreditNovice22

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Debt sent to collections - but paid debt
Latest medical bill said the defaulted bill was sent to a collection agency..Paid Original creditor in full (payment accepted) .. will I still be contacted by the collection agency (Original creditor bill said full payment will eliminate inquiries from the agency) How bad will my credit score drop be?

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often you can contact the orginal creditor and have them pull back the collection from the third party.  If however you are unsucessful in getting them to pull it back.  When you recieve notification from the collections company.  It is important to ask in writing to dispute this debt.  They are bound to investigate the legitimacy of the debt. In you letter to dispute attach a copy of receipt showing the debt as paid along with explaination that the debt has been paid in full.  They must respond to your dispute within 30 days.  Watch your credit reports for new collections to appear.  If you notice this debt showing up, you must and can dispute the claim with any and all reporting agencies which list this collection debt.  Additionally you must keep copies of all corespondence for the rest of your life as often old debts are just sold again and you may have to repeat this again in the future.  Good luck.

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