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Question I have... Quick question about Discover Card payment? Hoping for any comment. Another question on my mind: My wife got this letter today. I just want to see how some here view the letter, thats always interesting..

And, no centex, I am not trying to sue this CA because of this minor violation.

..

This debt is recent, guess DOFD is about 5 months ago..

This debt is medical..

This is the first letter I remember receiving from this CA..

Dear BobbyDebts Wife:.

Despite our previous communications to encourage you to pay your deliquent account with OC, you still have an outstanding balance. This is our.

FINAL NOTICE.

And you must take action to resolve this overdue account. Pay the amount due to discharge your debt owed to the hospital..

This letter is sent as final demand for payment in the amount of $3xx. CA NAME is a debt collector and a member of ACA International, the Association of Credit and Collection Professionals. Be advised that this is our.

LAST ATTEMPT.

To collect this debt and any information obtained will be used for that purpose..

We expect you to resolve your financial obligation..

(everything in the letter is as it appears, bolded words and all).

-What happens when I dont pay? This is the FINAL NOTICE..

-"FINAL NOTICE" and "LAST ATTEMPT" in CAPS and bolded, is that overshadowing?.

-I hope this is their "LAST ATTEMPT", but what if it is not?.

****** WWCBD*******..

asked Mar 11 at 09:29

Derek's gravatar image

Derek
38


I would like to know the answer too. Anyone here know what is the answer. I'll do some Googling and get back to you if I bump into an anything. You should email the people at Discover Card as they probably could answer your Discover Card question..

answered Mar 11 at 10:00

Rodney's gravatar image

Rodney
4363

Ok.... Overshadowing could not have happened.... Got ya..

What about the "final notice" and "last attempt." All the collection letters I ever received had the typical, "pay now to avoid further collection activity." Just found their wording strange, thats all..

My wife is looking into the debt, must be from when our child was born this past summer. We have excellent insurance and shouldnt get a bill for anything. This is the first letter we can remember getting regarding this debt. Ill handle getting the debt cleaned up..

The CA's wording just seemed to back them into a corner, no?..

answered Mar 11 at 10:42

Henry's gravatar image

Henry
2575

If it was from a pregnancy, then there is no telling HOW many professional entities had a piece of the financial pie. It is entirely probable that someone was not included in insurance distribution or even the filings. Anestheologists are one of the most commonly overlooked as near as I can tell and in some cases, it is even a separate entity of the hospital necessities section for the various meds given throughout a day. Could even be the OB-GYN who stuck their head in the door as they were on their way to play golf on the last day of the stay....

IMO, yeah...but not a corner I would want to see someone coming from, as the next option would likely be litigation (a common step being taken by many hospitals, especially county and state-funded facilities)...

answered Mar 11 at 11:08

Brayan's gravatar image

Brayan
2548

I was thinking this CA will either have to.

1. Go away forever.

Or.

2. Litigate.

I respect your professional opinion centex, thanks. What happens IF another letter comes from this CA demanding payment? What then? Could they label that letter their "FINAL ATTEMPT #2.".

One thing I learned from having a Consumer Rights attorney is that if a CA sets a deadline then they better follow through or the deadline becomes a unintended action (threat). This CA just set a deadline...

answered Mar 11 at 12:21

Braeden's gravatar image

Braeden
2317

I think you should send them a letter telling them that you appreciate the fact that they have made their FINAL ATTEMPT..

JUST KIDDING, people. Kidding...

answered Mar 11 at 13:33

Tiffany
's gravatar image

Tiffany
956

CF, I would love to send that letter.

This post has been edited by.

Bobbydebt.

: 09 December 2009 - 08:30 PM..

answered Mar 11 at 13:43

Ella
's gravatar image

Ella
416

All that tells you is that they don't file in federal...and I would not expect them to. Filing fees are typically lower at the State level, not to mention attorney hourly rates are often lower for State court as compared to federal.....

answered Mar 11 at 14:41

Keaton's gravatar image

Keaton
1513

I read your reply in my PACER thread and deleted over here before you posted..... Any place I can look up State level filings?..

answered Mar 11 at 16:13

Shaun's gravatar image

Shaun
4733

County clerk or District clerk's office. You might get lucky and they will be online, but if not, most will have terminal access in their respective offices.....

answered Mar 11 at 16:54

Alexandra
's gravatar image

Alexandra
2861

I looked up the CA name and put in dates from 1/01/09 to today and didnt find anything..

LINK..

answered Mar 11 at 17:15

Nancy
's gravatar image

Nancy
3307

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