Fighting a Medical Bill You Don’t Owe
Here are three key takeaways about fighting a medical bill you don’t owe:
- Don’t argue the bill on the phone first. Ask for validation of the debt in writing.
- Time matters. Send your validation request within 30 days of the collector’s first letter.
- Use what you already have: your EOBs are your receipts.
In this episode, I responded to a patient who received a $50 medical bill that she didn’t owe. Check out the video, and a few FAQs about what you can do if you find yourself in this situation.
Frequently Asked Questions
- What should I do first?
- What does validation of the debt mean?
- Is there a deadline to request validation
- What do I include with my validation request?
- What if they can’t validate it?
FAQ: What should I do first?
Call the collection company to tell them you’re going to mail documentation showing that you do not owe the money, then send a written request asking for validation of the debt. Include copies of your Explanation of Benefits showing that you owe $0.
FAQ: What does “validation of the debt” mean?
It’s your legal right to ask the collector to prove the debt is real and that you owe the amount claimed. You’re requesting details like the original creditor, the amount, and documentation supporting it.
FAQ: Is there a deadline to request validation?
Yes. The transcript references sending the written request within 30 days of the collector’s first contact. That window is important, so send it promptly.
FAQ: What do I include with my validation request?
Include a short letter requesting validation plus copies of the EOBs that show you owe nothing. If you have the returned mail envelope, include a copy of that too to show you tried to resolve it with the provider.
FAQ: What if they can’t validate it?
If they can’t provide proof, they’re not allowed to keep collecting that debt.
Disclaimer: The content on this blog is for informational and educational purposes only and does not constitute legal or financial advice. Watching our videos and reading our blogs does not create an attorney-client relationship. Always consult a licensed bankruptcy attorney or financial professional about your situation.
