My D got a letter from a collection agency for a medical bill for the emergency room physician from a visit 2 yrs ago. We have no record of ever getting the original bill. Hospital bill was paid in full at the time.
The bill is for $65. The letter states she can settle for 40% of this amount. My natural instinct is to just pay the $65. Or should I pay 40%? I did some internet searching on debt collection and it is quite detailed. But it is targeted at people who owe lots of money. It talks about not sending a personal check and making sure it is taken off the credit report. Is it taken off the credit report differently if we pay 40%? Also does she have to contact the debt collection to make sure they remove it?
For such a small amount is it a mistake to just fill out the payment stub and send a personal check for the amount of the bill and forget about it? Otherwise she has no debt.