I got a call from a debt collection agency (ok, several, that I ignored for a month - but I finally called them back today), and they are attempting to collect a $235 medical bill for tests ordered by my doctor back when I was pregnant in late 2013.
I ran my credit report, and it's on there. Probably effing up my score but I didn't want to pay to see that. This wouldn't matter except that we have two major upcoming credit worthiness events: we are planning to move this year and we are also in the process of re-financing my husband's 150K student loan (down from 208K this time last yr, whoot!). He will need me to co-sign for the re-fi since he's in a commission job right now, so I kinda need good credit.
Now, my initial reaction is NO WAY am I paying this bullshit, as I did not okay these tests! Of course I wanted the HcG one to see how far along I was (tho I already knew, but it's standard medical procedure). But I did NOT agree to a bunch of unnecessary unrequired STD tests, which frankly were insulting. I am married. This is kid #2. Eff that noise. (I left that dr's care and went to another one, for an unrelated reason; he was back up to my midwife anyway.)
I wrote to the medical lab company back in 2013 that I had not agreed to these tests, send me a break out and I'll pay for the HcG, blah blah blah, but they never got back to me, and now this is happening. Per the debt collection agency, I need to call my doctor (I did and left a message), and if he agrees the tests were made in error he'd need to call the lab, and then the lab would need to call the agency, to get this removed from my credit history. So a bunch of other ppl have to do a bunch of stuff for this to get removed.
Or I just pay the damn thing. We have the funds. But this really pisses me off.
What would you do?