Jay (Caller)

Hi.

Thank you for accepting my call.

So my question is, I was wondering if it is too late to negotiate a medical collection that I already started paying for.

So it started at like $3,200 and now it's down to $2,300.

So the thing is I first got that medical bill when I was like around 19 or 20 and I'm 25 now.

So the memory of like how that all got set up is pretty faint now.

And I haven't, like, paid the debt in about two years.

Yeah, I was paying a little bit at a time on it, yes.

Maybe not more than how many times I could count on one hand.

I suppose.

Oh, so I have a story about this.

So I did send an email about it, which they have a response, so I had to call them.

And they did acknowledge that they did receive the email, but they said because of who the creditor was, they weren't allowed to negotiate due to the fact of who the creditor is.

I've never heard that.

I've never heard it either, but when I called the creditor, it was true.

So I was in college at the time when I had to go to the hospital for this problem.

It was some bowel issues and, you know, crazy.

It costed, you know, $3,200 to get that resolved.

Yeah, that's all I had done.

I just went to go get that checked out.