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Question By
Rmariem

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Medical collection removed but I have not paid it
A medical collection suddenly disappeared from my credit report. Would now be a good time to call the hospital and settle before the account gets reported again? Or contact the collection agency? Thanks!!!

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Top Contributor
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You did not indicate the date of the debt or the date it was reported.   It may have disappeared as it was past the 7 years.   If the account was not resold to another colleciton agent, you may not have a legal obligation to pay the debt.   I applaud you for considering paying the debt.  I would start with the hospital, if they sold the debt, they will advise you they sold it and no longer have ownership and they can't legally collect from you.  Do not merely send them a check!   If the collection agent purchased the debt they own all rights to it.   If you are contacted by another collection agent, negotiate quickly and request a pay to delete so that it never gets reported.   They don't report the debt until they have contacted you and attempted to collect. 

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