Being sued due to a denied dental claim that I did not know of

[ttic]

2 years ago, I received a dental service from a dentist. Back then they charged me for a portion of the service, and they made a claim to the dental insurance company for the rest ($900).

Since then I have not heard from either the dentist or the health insurance company about the outcome of the claim.
Three weeks ago, suddenly I received this court summon filed by the dentist's lawyer, suing me for not paying the due balance of $900, plus the cost of suits.
If I agree to pay these amounts before the court date, they will drop the case.

The reason why they're suing me is as follows:
It turns out that the claim the dentist submitted to the health insurance company was denied. However nobody told me and I was fully unaware of this.

Now I'm willing to pay this requested amount of $900. But I consider it unfair for me to have to pay the cost of suits. It was not my fault to not have paid them this amount. It was just that I was unware of this amount until recently.

My questions are:

- Whose responsibility is it the keep me informed about the outcome of the denied claim?
- Now If I agree to pay the $900 to the dentist, but deny to pay the cost of suits (Apparently the plaintiff's lawyer will not accept this), what can the consequence be? What are my chances if I go to court?

Thanks a bunch!!!

 

[army judge]

The reason why they're suing me is as follows:
It turns out that the claim the dentist submitted to the health insurance company was denied. However nobody told me and I was fully unaware of this.

Now I'm willing to pay this requested amount of $900. But I consider it unfair for me to have to pay the cost of suits. It was not my fault to not have paid them this amount. It was just that I was unware of this amount until recently.

My questions are:

- Whose responsibility is it the keep me informed about the outcome of the denied claim?
- Now If I agree to pay the $900 to the dentist, but deny to pay the cost of suits (Apparently the plaintiff's lawyer will not accept this), what can the consequence be? What are my chances if I go to court?

Thanks a bunch!!!

This isn't the dentist, and it isn't his lawyer.

This is a debt collecting, bottom feeder.

They bought the alleged debt for pennies on the dollar.
This is allegedly a $900 debt.
These sapsuckers probably paid about $90 for that paper.
You don't even owe them a dime.
They are speculators and intimidators.
They bully money from scared, unsuspecting, people.

You would be best advised to avoid ALL contact or communication with these people.
Read the quoted text below.
Go to the website and read everything you can about these types of debts.
The dentist has most likely written the debt off on his tax liability.

If you want to pay anyone, pay the dentist.
Do not give these creeps anything!

Are you being hounded by a debt collector for an old debt you thought was written off years ago? If so, it is likely you are being contacted by a scavenger debt collector, which is a company that purchases older, mostly uncollectible debt for a tiny fraction of its value. Scavenger debt collectors are notorious for using illegal and unethical methods to collect "time-barred" debt.

You do not have to pay debt that is considered too old by your state. Every state has laws governing the time in which a person or entity can file suit to collect a debt. Generally, a creditor or debt collector gives up his right to file suit to collect a debt after a period of six years from the time the debt was written off (or the date of last activity on your credit report), but various states allow anywhere from 2 to 15 years to collect delinquent debt (see statutes of limitation table below).

The purpose of these statutes of limitation is to bring some measure of fairness to the debtor so that he / she (1) will not have to worry about being sued for the rest of their lives; and (2) so that the debtor can properly defend himself with fresh evidence and witnesses, if any.

This doesn't mean that a creditor cannot file suit against you after the statute of limitations has expired; however, if a creditor or debt collector does file suit, you can ask the judge to dismiss the suit on the grounds that the statute of limitations has expired. In fact, if the statute of limitations is about to run on debt you owe, don't be surprised if you suddenly hear from a collection agency threatening to sue if you don't pay immediately.

If a debt collector contacts you regarding an old debt, do not admit that you owe the debt and do not agree to make any payments. Simply tell them that the "statute of limitations has run on this debt and do not contact me again". If they continue contacting you, send them a certified letter, return receipt requested, telling them not to contact you about the debt again. Remember -- DO NOT ADMIT THAT YOU OWE THE DEBT, DO NOT AGREE TO PAY THE DEBT, AND DO NOT AGREE TO SEND ANY MONEY TO THEM. If you do, then the statute of limitations might start running all over again, giving them the legal right to sue you.

http://www.bcsalliance.com/y_debt_sol.html

http://www.bcsalliance.com/debt1_illinois.html

http://www.ilga.gov/legislation/ilc...AND+OCCUPATIONS&ActName=Collection+Agency+Act.