I was lucky these guys got ahold of me. I visited a Hospital and had some tests done. I found out oftentimes Dr.'s have separate bills from hospitals. I called the hospital and found out my insurance only covered the hospital bill and yes the Dr. had a separate bill i thought it was all taken care of. These guys got ahold of me and informed me if it would have been another week this would have gone on my credit report. So I was able to pay it off before i was affected, the address they had on file gotten from the hospital was my old address, so I didn't get the letter. JUST IN TIME!
Pros: phone payment, no Credit Bureau harm if paid within 30days
Cons: I hate bills, even if I know i'm responsible lol!
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