I made some calls today and was able to get 2 more of our debts settled on. Here are the details:
- Hospital bill started at $1301.63. It was from a few years ago when my wife was having pacemaker problems and we had to bring her to the hospital. Our insurance coverage at the time was not very good and had a large deductible. I was able to settle with them for $700. I had an even older letter from another collection agency for the same hospital, which I called first. They had deemed it not collectible, so they returned it to the hospital and the hospital added another visit to the balance. In the end, I'm glad it's done with.
- Bank NSF bill started at $804.49. It was from when everything started tumbling down in 2006, job lost, electricity out, etc. Automatic items started bouncing left and right and I was hiding from it all. I was able to settle with them for $603.37. There is still some work to be done on this one, as they messed up in their computer systems and have a balance for the same bank NSF in two different departments. The other department was not in the office today, so I will have to call on Monday to get that resolved.
The lessons to be learned is always keep your paperwork, question who you really owe and how much you really owe. In addition, don't ignore your problems, otherwise you will have to pay for that mistake in the future. I'll be calling one more small creditor on Monday to settle with that is the cardiologist bills from the same time as the hospital bills.