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Ladyrose102

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Pay removed Collection?
I have a medical bill showing up as a "removed collection" but am currently still receiving calls for this particular bill. Should I pay it or will it affect my credit score again?

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Was the debt removed from your report because it was older than 7 years? If so, there is nothing the collection agency can do and you can tell them not to ever call you again and by law, they must stop calling you. But having a legitimately owed debt removed from your credit report, that has not reached the 7 year mark, does not mean that the debt is no longer owed and could potentially be added back on your report by the collection agency until the full 7 years (from the date of first delinquency) has expired.

Top Contributor
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Is that bill/account actually still showing on your report or it just say "removed collection"?

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You need to find out what's the Statute Of Limitations to be sued in your State, depends on types of debt? there are at least 10 States have longer SOL than 7 years and three of which their SOL can go up to 15 years. So even if it's no longer on your report for whatever reason(s), you still might be legally responsible for that debt. However, if it's passed the SOL? Then you are no longer 'legally" liable for that debt, and to pay it or not would be entirely up to you. You would want to verify what I said independently, I am not in anyway qualified to dish out "legal" advice. The starting clock on SOL can be bit tricky, it might upto individual jurisdiction's interpretation, it  might start on DOFD, or don't start until your creditor send you the "notice of default" demand the payment in full, which could be many months later from DOFD, or some other date.

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You can be contacted by collection agency after its no longer on your report, as long they didn't violates any collection laws. As stated above, if it's passed the SOL? They have no teeth in ther attempts, most they can do is reinserting the debt back on your report that's if it's still with-in 7 1/2 year reportable date. Be very careful when and if you ever try to contact collection agencies, taking ownership of debt or worse, entering a firm payment arrangement and stop paying it later? can potentially suspend or restart the SOL clock, as it can be perceived as brand new contract.

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The Credit Bureaus aren't arbitrators, they don't decide if you owes, how much you owe or liable for the debt or not, all they can decide is whether a account can or can not be included on your report with-in guidelines set forth by FCRA, under certain rules of FDCPA and or your State's collection laws. So if you ever being sued and you using defense/excuse of "it's not on my report" "it was removed from my report" "it's longer than 7 year reportable date" ... etc? won't work out in your favor.

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