Thread: What are the rules and guidelines for collections?

I'd google "[your state] credit laws" to start.

But generally as a rule of thumb, after you are 90 days late you can begin to expect a collection.

What do I do if someone put me into collections way before 90 days? I have tried to work it out with them and also with the state board that governs their actions, only to be told the state board does not advocate in matters of billing. I was then told to consult a lawyer which I'm not going to do.

So let me get this straight... you want legal advice, have been told to consult a lawyer, but don't want to? Something doesn't compute...

Seriously though, it sounds like you need some professional advice.

Not sure what you mean "have been told to get legal advice". You're the only one who has mentioned it. I cannot afford to pay a lawyer for this, and the lawyer would cost much more than the bill. However, it is my son's credit rating I'm trying to protect because they've put him into collections.

Can someone just please answer my original question, where online can I read what the laws are about being put into collections? I have done many searches but don't find what I'm looking for.

Maybe this will help

State Debt Collection Laws and Publications

I would contact your local state government also look at the Federal Trade Commission web site they have a lot of useful information. With medical bills you usually just have to deal with them unless they are using predatory tactics, also if it is a workman's comp claim then they can't put it on your credit report! When buying a car and a house most underwriters do not include medical bills and will ignore it, so it could be worse. Good luck if you have any other questions let me know I have the info!

The law would need to be enforced somehow and unfortunately that involves an attorney unless you can do it yourself.

I would suggest you find a pre-paid legal service to help give you the accurate and exact answers you are seeking and guidance to do this on your own. Those services cost a small fee and often are available as an employee benefit if you work for a corporation.

You can tell them the law, stand behind it, but until you file something with a court it is a mute point.

A federal law and sometimes state as well called "HIPPA" would be a good read for you.

Magic that site was interesting. Thanks for the link.