In this case, someone has several medical debts, for separate procedures/office visits. Each of these debts is of an amount less than $100. It would seem that, since the visits are separate, these represent separate 'accounts' for the purposes of the debt collection / law.

However, given that there are several of them, could the creditor or debt collector decide to merge them into a single account, with a sum greater than $100?

I ask because my understanding is that accounts with debts less than $100 do not negatively affect the credit report. So in this case the individual would actually not want the parties to combine the accounts.

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    Assuming the $!00 threshold is a "thing" (I've no idea), then I would imagine that whether the bills come from the same, or different companies/practices may affect whether or not they can be combined. Also, although your use of "$" tends to imply USA, you should confirm this with a country-tag as these sorts of laws vary around the world. – TripeHound Dec 21 '18 at 9:03
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    You'd have one account, with multiple charges. If your theory was true, people could dodge credit card bills just by keeping every transaction under $100. This sort of "sovereign citizen" misunderstanding of laws/regulations rarely ends well. – ceejayoz Dec 21 '18 at 14:52
  • @ceejayoz Well, in my experience with these debts, it is common that there are separate visits or charges which are "separate enough" to be sent to debt collector individually, despite coming from the same provider, so that a debt collector sends separate notifications for each account. I suspect this degree of separation comes down to when particular visits/charges become delinquent. So I don't think your statement is definitive. It is not clear whether or under what circumstances a debt collector, having received charges/visits/'accounts' separately, can choose to combine them. – user414164 Dec 21 '18 at 20:44

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