Credit Report Mistakes
2010
What is the federal law concerning spouces medical bill being put on my credit report?
My spouse has alot of medical bills due to Dr. who made a mistake during surgey. Can not sue Dr. now the collection agency are putting the bills on my credit report. I know that the federal law over irdes state . I just need to know what the federal law is concerning this.
just because you are married you are not responsable for your spouces debts, as long as you did not sign anything for them . but if your spouse dies there estate is to go for paying there debts off. if you have anything that you both are co-owners the creditors can force the sell to get there money.you need to contact the collection agency and chew there butts out and inform them if they cant show you proof that you signed for the debt , they better get this off your credit report or you will sue there tails off.you will have to be firm with them or they will bullie you to get you to pay the bills. next you need to write the 3 madger credit reporting agencys tell them that these are mistakes and to remove them from your credit report . send it return recipt requested so you have proof of when they got it. they have 30 days to prove weather it is valed or not. if in 30 days they have not contacted you and cant prove it to be valed they have to remove it from the report. you need to write them again the same way and tell them to remove it form your report. (that is federal law) but you will have to stay on the collection agency and who ever turned this over to the collection agency untill you get the matter solved . because they can put it right back on your credit report again and you have to start it all back over again. if you run in to a brick wall with the collection agency and they wont budge you may have to have a talk with a lawyer they can be sued for fulse reporting to the credit buearo. i cant remember what the addy is but you need to search for the fare debt collection act it will give you more info………. why cant you sue the doctor if he made a mistake during surgey??? if this is what the docs or hospital is telling you go see a lawyer
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