Validating hospital bills

[Your name] [Your address] [Address of collection agency] [Date] Amount of debt: [ ] Date of Service: [ ] Provider of Service: [ ] Dear collection agent, I received a bill from you on [date] and as allowed under the Fair Debt Collection Practices Act (FDCPA), I am requesting that you allow me to validate the alleged debt.I am aware that there is a debt from [name of hospital/doctor], but I am unaware of the amount due and your bill does not include a breakdown of any fees.The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are key federal laws regarding these issues.Many states have consumer protection laws that overlap with both acts, and have stricter rules protecting consumers.

See Chapter Three for information about medical debt.State laws set the interest and fee rules collection agents can tack onto a debt.Consumers with old delinquent debt often ask how their state statutes of limitation may impact their rights. Duplicate billing, code errors and charges for unrequested items are mistakes that occur far too often.Why pay hundreds or even thousands of dollars more than you have to?

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