c*********9 发帖数: 263 | 1 帮朋友问:她来这边旅游生病住院,现在医院账单已转到collection company。那边打
电话来催过两次,一开始说不打折,后来又说可以打6.5到7折,但必须月底付清,又威
胁不付就怎样怎样。问题是就算打了折账单还是很高朋友也负担不起。想问问怎么跟他
们打交道可以有更多折扣?她是游客身份没有SSN,如果不付走人的话,下次过来或是
以后可能转身份会不会有麻烦?能少一点的话还是想付了不想惹麻烦。多谢! |
c*********9 发帖数: 263 | |
j****7 发帖数: 667 | 3 可以侃价到二折。就说没保险付不起。 take it or leave it.
【在 c*********9 的大作中提到】 : 帮朋友问:她来这边旅游生病住院,现在医院账单已转到collection company。那边打 : 电话来催过两次,一开始说不打折,后来又说可以打6.5到7折,但必须月底付清,又威 : 胁不付就怎样怎样。问题是就算打了折账单还是很高朋友也负担不起。想问问怎么跟他 : 们打交道可以有更多折扣?她是游客身份没有SSN,如果不付走人的话,下次过来或是 : 以后可能转身份会不会有麻烦?能少一点的话还是想付了不想惹麻烦。多谢!
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c*********9 发帖数: 263 | 4 砍了,但对方说只能到7折.如果还是不符接下来会发生什么?
【在 j****7 的大作中提到】 : 可以侃价到二折。就说没保险付不起。 take it or leave it.
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c**d 发帖数: 3888 | 5 能砍下来多少,每个公司不一样,每个account也不一样。他们当然不会告诉你底线。
如果最后谈不拢,讨债公司有可能把欠债的人告上法庭,要求赔偿全部金额,外加利息
,律师费用等。
【在 c*********9 的大作中提到】 : 砍了,但对方说只能到7折.如果还是不符接下来会发生什么?
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c******n 发帖数: 4965 | 6 if she's just a visitor, of course forget it
if u worry about next entry, or future GC, think about this? how is us
government know that she owes money? u think the hospital is going to be
able to jam that info into that huge bureaucratic machine? or the
government cares about private business dealing?
【在 c*********9 的大作中提到】 : 帮朋友问:她来这边旅游生病住院,现在医院账单已转到collection company。那边打 : 电话来催过两次,一开始说不打折,后来又说可以打6.5到7折,但必须月底付清,又威 : 胁不付就怎样怎样。问题是就算打了折账单还是很高朋友也负担不起。想问问怎么跟他 : 们打交道可以有更多折扣?她是游客身份没有SSN,如果不付走人的话,下次过来或是 : 以后可能转身份会不会有麻烦?能少一点的话还是想付了不想惹麻烦。多谢!
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c*********9 发帖数: 263 | 7 那现在该怎么跟他们谈呢?两次都是同一个人,反正他的意思是7折是底线了。如果不
付好像只能还给医院了
【在 c**d 的大作中提到】 : 能砍下来多少,每个公司不一样,每个account也不一样。他们当然不会告诉你底线。 : 如果最后谈不拢,讨债公司有可能把欠债的人告上法庭,要求赔偿全部金额,外加利息 : ,律师费用等。
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c*********9 发帖数: 263 | 8 就是不确定,也不想惹麻烦,少点能付就付了。只是对方也不松口
【在 c******n 的大作中提到】 : if she's just a visitor, of course forget it : if u worry about next entry, or future GC, think about this? how is us : government know that she owes money? u think the hospital is going to be : able to jam that info into that huge bureaucratic machine? or the : government cares about private business dealing?
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t***s 发帖数: 4666 | 9 早就应该和医院直接谈的,跟collection agency很难谈。d告诉他们不和他们
negotiate, 要求直接和医院negotiate.
【在 c*********9 的大作中提到】 : 那现在该怎么跟他们谈呢?两次都是同一个人,反正他的意思是7折是底线了。如果不 : 付好像只能还给医院了
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c*********9 发帖数: 263 | 10 是。疏忽了,现在医院说账单已转到collection company了,他们这边没有due了。
【在 t***s 的大作中提到】 : 早就应该和医院直接谈的,跟collection agency很难谈。d告诉他们不和他们 : negotiate, 要求直接和医院negotiate.
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c**d 发帖数: 3888 | 11 7折到底是不是底线很难讲。也许你不接受,他们就再打折。也许你不接受,他们就把
visitor告上法庭。告上法庭,对于一个visotor,有什么后果,也难讲。
帐不会转回到医院那里的。医院已经把这笔债贱卖给collection agency了。
【在 c*********9 的大作中提到】 : 那现在该怎么跟他们谈呢?两次都是同一个人,反正他的意思是7折是底线了。如果不 : 付好像只能还给医院了
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k**********4 发帖数: 16092 | 12 what if the collection agency sues her and win,
so there is a legal record?
I m just wondering if this is an issue or not.
【在 c******n 的大作中提到】 : if she's just a visitor, of course forget it : if u worry about next entry, or future GC, think about this? how is us : government know that she owes money? u think the hospital is going to be : able to jam that info into that huge bureaucratic machine? or the : government cares about private business dealing?
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c******n 发帖数: 4965 | 13 that's called civil court
if u go back and check ur 485 or 797 papers, it asks u if u have been
convicted or charged or arrested, does it ever ask u whether u have been in
a law suit? think about this: there are tenant-landlord arguments on this
bbs everyday, many go to court, should they worry about their GC?
【在 k**********4 的大作中提到】 : what if the collection agency sues her and win, : so there is a legal record? : I m just wondering if this is an issue or not.
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p**m 发帖数: 3876 | 14 Sue的话要summon,人不在美国没法summon。我记得中国没有签署海牙公约“Service
Abroad of Judicial and Extrajudicial Documents in Civil or Commercial
Matters”里面的相关条例。所以回国以后就不怕了。
加州关于坏账的Statue of Limitation只有四年。所以四年之后就什么都不用怕了。
【在 k**********4 的大作中提到】 : what if the collection agency sues her and win, : so there is a legal record? : I m just wondering if this is an issue or not.
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l*********m 发帖数: 16971 | 15 不要猜测。如果怕以后再来会有麻烦,还是要付帐的好。
【在 c******n 的大作中提到】 : if she's just a visitor, of course forget it : if u worry about next entry, or future GC, think about this? how is us : government know that she owes money? u think the hospital is going to be : able to jam that info into that huge bureaucratic machine? or the : government cares about private business dealing?
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s**x 发帖数: 7506 | 16 好像美国只有 irs 的钱不能欠,别的都是小事一桩。损失的只是信用。别的不说,次
贷风暴里欠债的多了去了。
丶 |
t******n 发帖数: 6861 | 17 If the debt is assigned to a collection agency, but still owned by the
creditor, generally, the collection agency can’t sue you without the
original creditor’s authorization. If the original creditor insists that
the agency collect 100% of the debt, the agency cannot accept less from you
without getting the original creditor’s okay.
【在 c*********9 的大作中提到】 : 是。疏忽了,现在医院说账单已转到collection company了,他们这边没有due了。
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c*********9 发帖数: 263 | 18 Yes, you are right. The debt is still owned by the creditor. The collection
agency said they need to obtain authorization from the creditor for anything
less than 70%. They also mentioned vagulely that if she can't pay this time
, maybe she can pay next time when she visits the U.S. again. Not sure what
they suggested though.
you
【在 t******n 的大作中提到】 : If the debt is assigned to a collection agency, but still owned by the : creditor, generally, the collection agency can’t sue you without the : original creditor’s authorization. If the original creditor insists that : the agency collect 100% of the debt, the agency cannot accept less from you : without getting the original creditor’s okay.
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t******n 发帖数: 6861 | 19 看来他们对收你朋友的帐已经不抱幻想了,继续讨价还价应该有戏
collection
anything
time
what
【在 c*********9 的大作中提到】 : Yes, you are right. The debt is still owned by the creditor. The collection : agency said they need to obtain authorization from the creditor for anything : less than 70%. They also mentioned vagulely that if she can't pay this time : , maybe she can pay next time when she visits the U.S. again. Not sure what : they suggested though. : : you
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c*********9 发帖数: 263 | 20 但是似乎他们也不想进一步讨价还价,只是说太低against their company policy.我曾
建议70% discount.
【在 t******n 的大作中提到】 : 看来他们对收你朋友的帐已经不抱幻想了,继续讨价还价应该有戏 : : collection : anything : time : what
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l*********s 发帖数: 1183 | 21 70%肯定不是他们的底线,往50%砍,达成协议了,别忘了来通报一声。
【在 c*********9 的大作中提到】 : 但是似乎他们也不想进一步讨价还价,只是说太低against their company policy.我曾 : 建议70% discount.
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p**m 发帖数: 3876 | 22 别相信他们的,医院一旦把坏帐卖给讨债公司,就把欠的钱write-off了。给多少钱跟
医院一点关系都没有。
collection
anything
time
what
【在 c*********9 的大作中提到】 : Yes, you are right. The debt is still owned by the creditor. The collection : agency said they need to obtain authorization from the creditor for anything : less than 70%. They also mentioned vagulely that if she can't pay this time : , maybe she can pay next time when she visits the U.S. again. Not sure what : they suggested though. : : you
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t******n 发帖数: 6861 | 23 因为债主仍然是医院,收债的没法擅自给你很低的折扣,但从他们的反应看应该是知道
你朋友不在美国,所以也没抱太大希望,不然早就恐吓威胁了
【在 c*********9 的大作中提到】 : 但是似乎他们也不想进一步讨价还价,只是说太低against their company policy.我曾 : 建议70% discount.
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c*********9 发帖数: 263 | 24 第一次打电话的时候恐吓威胁了,后面几次都没有,可能得知她是游客,很快就要回去了.
如果他们不能作进一步让步,可能只能先不管它了.
【在 t******n 的大作中提到】 : 因为债主仍然是医院,收债的没法擅自给你很低的折扣,但从他们的反应看应该是知道 : 你朋友不在美国,所以也没抱太大希望,不然早就恐吓威胁了
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c*********9 发帖数: 263 | 25 是70% off. 他们不接受,说30% off是最大折扣了.
【在 l*********s 的大作中提到】 : 70%肯定不是他们的底线,往50%砍,达成协议了,别忘了来通报一声。
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c*********9 发帖数: 263 | 26 医院的account上是write off了,但讨债公司说能给多少折扣他们没法作主,要问医院.
And this request normally takes about 2 weeks.
【在 p**m 的大作中提到】 : 别相信他们的,医院一旦把坏帐卖给讨债公司,就把欠的钱write-off了。给多少钱跟 : 医院一点关系都没有。 : : collection : anything : time : what
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