Q: What can I do about a Chiropractor never sending me a bill until after he has hired a collection agency?
The Chiropractor told my father that our insurance covered the services but it turns out they weren't. I as 21 at the time and payed the copay but never personally received a bill. Usually bills go to the primary insurance account holder, my father. I have asked the collection agency to move the balance to the primary account holder my father but they won't do it because they said I am over 18 so I emailed the Chiropractor to ask on my behalf. After his conversation with his hired agency, he stated that he could make the request but won't because there has been no effort of my father to make payment. This is incorrect because my father sent a notice of settlement. Second notice was sent because he never heard back. I would like to dispute the collections account and Equifax is the only credit bureau that will not delete the account on the premises that it belongs to a relative. I believe it's unethical to make a collections account for me when I never received a bill.
A: How is sending a Notice of Settlement an attempt to make payment? If you were a minor and your father was responsible for receiving and paying bills, then the chiropractor sent the bills to the correct person. You apparently owe the money. Pay the collections agency.
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