Byron - The Facts

Byron went to the emergency room on January 11, 2018 and incurred a bill for $1,534.  Byron did not provide any insurance information at that first visit because he probably did not have it with him.  Byron went to the emergency room again on January 18, 2018 and provided insurance information for that visit.  It appears that these bills were sent to Byron’s residential address that he gave to the health care provider instead of his post office box where he receives his mail.  

After both bills were returned to the health care provider as undeliverable, they were forwarded to the collector who sent Byron collection notices.  On June 20, 2018, Byron called the billing company asking why he was in collections.  This means that as of June 20, 2018, Byron knew the collector was seeking payment from him.  

Byron learned that although his second bill was processed with insurance, the first bill had no insurance information and the bill remained unpaid.  Byron provided insurance information.  But Byron never called the collector to say he had just submitted insurance or to ask the collector how to proceed.  If Byron had contacted the collector, the collector would have suspended his account until insurance processed.

Although Byron says the collector called him two weeks before he was sued and promised him a bill, the collector’s records show that it did not speak to him.  Nor does the collector have any ability to send any bills.

Byron claims that the collector sued him for almost $5,000.  The actual dollar figure in the lawsuit was $2,306.15.  After the attorneys for the collector sued Byron, his insurance company paid leaving Byron with a $89.77 balance.

Byron said he paid $1,300 for a $59 bill when in fact he paid $954.50 which included the $89.77 for principal and the balance was for filings fee, service fee, attorney’s fee, and interest.  Again, if Byron had called the collector on June 20, 2018 after asking the billing company why he was in collections, no lawsuit would have been filed.

Byron claims when he got the itemized bill, he realized it was being sent to the wrong address.  However, it appears the bill was sent to Byron’s residence and not to his post office box where he gets mail.  It further appears that Byron provided this information to the health care provider.