Mortgage and Insurance

Dunning notice is the first CA contact by mail, correct?  I called (I know, I know) a CA about an item on my CR (a medical one) because I had no answer to a PFD (yes, I know I should have DVed first.)  The agent kept assuring me that they, as “standard procedure” “have to” delete the entry if I pay up, that it’s “automatic”.  I insisted on getting that in writing, either via email, fax, or hard copy.  He ended up giving me to his supervisor who looked at the account and said that I hadn’t been properly informed and that there was an entry for $100 and another for $10, and that if I paid when I received that letter that it would be deleted / not reported.  I received this, with an amount of $100:

“This account has been placed with our office for collection.  Please pay in full to our office or call for arrangements.

 

This is an attempt to collect a debt by UCB, Inc., a debt collector, and any information obtained will be used for that purpose.

 

Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid.  If you notify this office in writing within 30 days from receiving this notice that you dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification.  If you request this office in writing within 30 days after receiving this notice, this office will provide you with the name and address of the original creditor, if different from the current creditor.”

 

I am inclined to wait a few days to see if I get another for the $10.  I’m also in the process of contacting my insurance company to check into the claim to see why it isn’t already taken care of.  She said that if I did not pay it within the 30 days that I would be unable to get them to delete.  Yes, I know they’d say what they need to to get me to pay…but it also seems like the postings about UCB are positive here.  Thoughts?