Wrongful chargeoff by dentist. Help!

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irvine801
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Wrongful chargeoff by dentist. Help!

Postby irvine801 » Mon Jun 18, 2012 1:38 pm

So I had dental work done about 8 months ago. They told me because my fiance worked there they would discount me and only bill my insurance. 6 month later I found Im turned over to collections for a 650$ unpaid bal. So now they won't work with me or even settle. And if I don't arrange something they screw my credit with a change off. They haven't done it yet but I don't want to pay it because I feel I shouldn't have too. They didn't send me any statement or any .phone calls so I never new I had a balance. My fiance quit the job and I'm thinking that's why. But they keep saying we never said we would discount.u and all this crap. What should I do guys...
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FastSRT8
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Postby FastSRT8 » Mon Jun 18, 2012 1:43 pm

I'd pay the debt first to ensure your credit doesnt take a hit. Then I would go back to the dentist and try and settle there.
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irvine801
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Postby irvine801 » Mon Jun 18, 2012 4:46 pm

I tried to do some type of settlement or deal because I.never knew about the balance. I even paid it off with my Chase card and disputed it with Chase. I got my money back but now they are sending me a bill again. What a freakin headache...
-American Express Zync.
-Discover IT. 4.5k limit 7.99%
-MC Citi diamond preferred. 1500 limit
-Visa Chase freedom. 2k limit.(23.24%, NOT IN USE)
-Miles by discover 1.5k limit.7.99%
-Best buy store card. 1500 limit
-Mt. America visa 1k limit

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FastSRT8
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Postby FastSRT8 » Mon Jun 18, 2012 9:18 pm

Who is sending you the bill again??

irvine801 wrote:I tried to do some type of settlement or deal because I.never knew about the balance. I even paid it off with my Chase card and disputed it with Chase. I got my money back but now they are sending me a bill again. What a freakin headache...
Carpe diem quam minimum credula postero!

irvine801
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Postby irvine801 » Mon Jun 18, 2012 11:24 pm

Sorry its a confusing pain in the ass. First it was a dental office then it was sold to a collection company. I paid it once in full with my chase card. Then I disputed the charge. I won the dispute only to get yet another call from the collections company saying I owe them again.
-American Express Zync.
-Discover IT. 4.5k limit 7.99%
-MC Citi diamond preferred. 1500 limit
-Visa Chase freedom. 2k limit.(23.24%, NOT IN USE)
-Miles by discover 1.5k limit.7.99%
-Best buy store card. 1500 limit
-Mt. America visa 1k limit

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FastSRT8
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Postby FastSRT8 » Tue Jun 19, 2012 12:42 am

Show them proof you paid it with the Chase card. Whether you disputed to not is not the issue. The bill was paid.

If you can afford it, get a lawyer. Too had JCarter no longer posts here. He is a wealth of information and can surely give you good advice.
Carpe diem quam minimum credula postero!

irvine801
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Postby irvine801 » Tue Jun 19, 2012 5:06 am

Hmmm.. I should try that. Wait why doesn't jcarter post up anymore? He is a cool guy. I tried explaining that to the collections company, they said they had to refund the money so now I owe it. Idk I'm gonna call them tomorrow.
-American Express Zync.
-Discover IT. 4.5k limit 7.99%
-MC Citi diamond preferred. 1500 limit
-Visa Chase freedom. 2k limit.(23.24%, NOT IN USE)
-Miles by discover 1.5k limit.7.99%
-Best buy store card. 1500 limit
-Mt. America visa 1k limit

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FastSRT8
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Postby FastSRT8 » Tue Jun 19, 2012 10:55 am

I'm not a lawyer BUT the fact the collection agency had to refund the money means to me their case is not solid. PLUS, it's their decision to refund the cash so why is it your problem?
Carpe diem quam minimum credula postero!

thomaswhitehall
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Postby thomaswhitehall » Tue Jun 19, 2012 10:15 pm

-Is this already on your credit report?

-I'm assuming you have been in contact with the collection agency?

-Do you have a copy of your original invoice and do you have a receipt stating you paid?

irvine801
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Postby irvine801 » Wed Jun 20, 2012 12:02 am

Because I don't want it to eff my credit :/

But not it hasn't hit my credit. I have a letter from Chase saying that the dispute went in my favor and I also have a letter confirming the balance with the collection agency was paid as well.
-American Express Zync.
-Discover IT. 4.5k limit 7.99%
-MC Citi diamond preferred. 1500 limit
-Visa Chase freedom. 2k limit.(23.24%, NOT IN USE)
-Miles by discover 1.5k limit.7.99%
-Best buy store card. 1500 limit
-Mt. America visa 1k limit



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