,I opened and envelope tonight, haven't opened any mail in about a month just haven't wanted to deal with any of it. Mostly the medical bills. From Tori almost dieing, my leg (took 3 months to get any notice I owed anything for those visits and yes in the "olden days with Maricopa County and BCBS I either paid $10/doctor and $5/prescriptions or I paid nothing just gave them my card.). I thought it was BMG that old company that would front you music and videos (another funny long story)
THEN I see it, it's addressed to me first line, Tori my 10 year old on the next line like its a joint account or something. Nothing about the letter is familiar at all just says, Tami Jo (uh yeah i used that name never)your creditor, __________has assigned your account to us for collections. None of the dates or reference numbers, addresses match anything familiar and no company I have heard of, Guess it could still be the music vendor but since Tori is on it I can assume it is related to her hospital stay. Says I have 30 days to of course pay them, dispute the validity of the debt or it is valid AND THEN THEY will get a valid copy of the debt and file a judgement.THEN in 30 days they will "PROVIDE ME WITH THE NAME OF THE ORIGINAL CREDITOR, IF IT IS A DIFFERENT CREDITOR THEY WILL TELL ME.. HMMMMMM,
So lets go back to the 4 day hospital stay when Tori almost died. We hit the urgent care, 2 hospitals, 1 ambulance ride we had no choice but to take, and 4 follow up doctor visits x 3 kids. which we had to take out a $350 loan for because it wasn't payday, that was for urgent care and 3 doctor visits.
So now i have to respond in some way (or not, 20 years cleaning up my credit and now this shit). All I foresee immediately is people getting these letters in 100x the capacity that we have know before. from companies that don't exist and that is just due to having health insurance. My minor child should not even be mentioned on this paper. Period. She is 10 and can't even work to earn a living or make her own medical decisions. back the fuck off. then no itemized billing with dates and proof I actually owe something?? really, and that is legal? If i actually owe you money by all means map it out for me. How the hell did we get ourselves in this mess? I can't call Experian and say "so and so has sent me a fraudulent bill, if they attempt to report negatively on anyone please alert everyone and don't allow them to report to you.....