I have a surgery bill (Original Balance: $2,757) that I have been paying off for the past 2 years with auto-drafted monthly payments. Every month on the 1st a payment was auto-drafted from my checking account. I had the bill almost paid off (Current Balance ~$600.) I made every payment on time (auto-draft), and have a receipt from the doctor's office for every month. I got a new debit card, and called to ensure the payments on the account would continue. I was informed the surgery center had been sold to a larger health system, and my account was sent to collection. I asked why if my payments were made on time, but was told there is nothing they can do because the company doesn't exist anymore. I was also informed that all existing accounts were either sent to collection, or to a 3rd party billing company to collect.

I was not sent any information that I need to pay a different company. I was given the collection agency phone number and case number. I called the collection agency, and they informed me I owe the full ORIGINAL BALANCE ($2,757). I asked when it went to collection and they said 08-03-2020. I explained I didn't understand because the payments have been auto-drafted for years, and the balance is almost paid off. They didn't care. They said I could either pay the original balance in full ($2,757), or dispute it.

I filed a dispute on Credit Karma, and called TransUnion. I told them I have bank statements of the auto-drafts, and months of receipts from the doctor's office. It is currently in review.

Is there anything else I can do?

Thank you in advance for any advice.

  • Maybe it goes without saying, but to clarify: you're in the US?
    – C8H10N4O2
    Oct 9 '20 at 17:25
  • 1
    If the situation is as you described, why would you pay any more than you owe. Dispute it. Oct 9 '20 at 17:38
  • I am in the US, and I have filed a dispute with TransUnion.
    – Jeremy
    Oct 9 '20 at 17:53
  • In the US would an "ambulance chaser" legal practice take this on as a case? You're being harassed for no reason.
    – Fattie
    Oct 9 '20 at 20:29
  • I’ve been researching to see if a company is bought out or dissolved. Can all outstanding accounts be sent to collection whether they are current or not.
    – Jeremy
    Oct 10 '20 at 22:12

File a complaint with the Consumer Financial Protection Bureau. Do not pay any more money on this bill until this collection company sends you verification of the debt. I think you are likely to be taken advantage of by this collection company because they are already telling you that you owe the full amount, which is not correct as you stated you have been paying on this bill for months. Aside from the fact that this debt collector has not followed correct procedures under the Federal Debt Collection Protection Act (FDCPA), like not sending you an initial contact letter within 5 days of their initial contact with you when you called them, they have also misrepresented the amount of the debt owed-RED FLAGS. They have already started taking advantage of you and my advice is to read up on your rights in the debt collection process before you do anything else.

Go to the CFPB website and head over to the Consumer Education tab. You will find beneficial information there as well as how to go about filing a complaint with them about this company and CFPB will assist you in this matter. Good luck.


Do not mess with old debts that are near the 7 year SOL and are getting ready to fall off. Even those that may be a year and a half from being removed from your report. You may start the clock all over again if you send any payment or if you even communicate about making a payment or payment arrangements. Your credit is going to drop at least 30 to 50 points when you pay a collections account and it will still be on your credit report. And depending on the situation, you may be setting yourself up to have the account continue to be reported after it would have originally been removed.

And you should always file disputes via certified mail, return receipt requested. You always want a paper trail to tell where you've been or where you might need to go should things get sticky. I mean, we are talking about debt collection and it's not like it's a conspiracy theory that this industry hasn't and isn't always on their best behavior.

  • 1
    The first paragraph is irrelevant to the question.
    – RonJohn
    Jan 26 '21 at 23:14
  • It also why the answer is getting downvoted.
    – RonJohn
    Jan 26 '21 at 23:28

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