FAQ’s

                You Have Questions? We Have Answers…

 

Visit our FAQ section below, and if you don’t find what you’re looking for, try Ask Doctor Debt – it’s a great, free, consumer resource for all your credit and debt related questions!

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                              Frequently Asked Questions

 

Stay calm. If you have been contacted by our company regarding a past due debt, be assured that we both have the same goal in mind. Your account came to Grimm Collections from someone who values your business. However, just as you depend on an income to pay rent, groceries and other necessities, those who extend credit must have payment for their goods and services in order to pay their bills and stay in business. Instead of being asked to pay cash, you were given credit, and your account has been unpaid for quite some time. Now it’s time to find a solution. First, contact our office. If you believe you don’t owe the bill, tell us. If you do owe it, tell us when we can expect your payment. If you cannot pay it, tell us why. Remember that our collector’s can work with you to resolve your problem. Failure to contact us may imply that you’re evading a just debt. Whatever your reason was for nonpayment in the past, the matter can’t be resolved if you don’t contact us now.

While collecting past-due accounts is our business, we also have a commitment to help people solve their financial problems. Our collectors are experienced in credit and collections, and are able to assist people who are willing to work with them. They often receive cards and letters of thanks from people they have helped. We do want to make this process as simple and inexpensive as possible for all parties involved. However, most of our actions are determined by how serious you are about resolving your outstanding debt.

The notice outlines the amount of the debt and to whom it is owed. Please contact our office if you would like to discuss this with one of our customer service representatives.

The address we used to send the notice you received is the same one that your credit provider has. Our clients routinely send several letters before a debt is sent to us for collections.

Your creditor entered into a contract with Grimm Collections in order to help them recover their past due accounts. The collection notice you received follows several unsuccessful attempts by your creditor to obtain your payment for services that are delinquent.

The filing of insurance is typically a service and courtesy to the patient and not a requirement. In nearly every case, it is the guarantor’s (or patient’s) responsibility to follow up to ensure that insurance was filed. Even if it was filed, it is still the individual’s responsibility to ensure payment of the debt.

Yes, the contract with Grimm Collections and your creditor stipulates that any information provided by them on delinquent accounts will be used solely for the purpose of collections. This information will be held in the strictest of confidence and used for no other purpose. Grimm Collections operates within applicable guidelines set forth by federal and state regulations regarding fair debt collection practices.

Please contact Grimm Collections directly as we are responsible for the collection of your account.

Your account is seriously delinquent by the time you received the collection notice. You should contact Grimm Collections immediately to arrange payment.

You should pay Grimm Collections directly. Payment to your creditor will not expedite the resolution of your account as your account has already been transferred to Grimm Collections.

When you create a debt, it is your moral and legal responsibility to honor your obligation. Even if your credit was damaged by previous inability to pay, Grimm Collections will report your repayment to the major credit bureaus. Besides rebuilding your credit, Grimm will help you take control of your finances.

Grimm Collections efforts will continue and your account may accrue additional charges and interest. Grimm Collections may report your delinquency to the major credit bureaus, which may affect your credit report. Your creditor may also elect to file legal action to reclaim the past due balance.

Grimm Collections cannot provide you legal advice. As part of the collection process, we may utilize a nationwide network of attorneys to litigate those accounts who have the ability but not the intent to pay. Please contact us before we consider initiating legal activity so that we may be as flexible as possible in arranging for resolution of your account.

Yes. Grimm Collections may offer and negotiate various payment plan options in order to facilitate payment. The decision to grant payment plans will be made on a case-by-case basis.

The quickest way to verify that payment has been received is by contacting Grimm Collections directly.

Please be advised that cash, money order, cashier’s check, and credit card payments will be credited to your account upon receipt by Grimm Collections. If your account is paid in full, our collection activities will cease.

Possibly. If your original contract with your creditor contains a collection fee clause, and/or the fee is permissible as expressly authorized under state and federal law, you will have to pay the costs of collection. Otherwise, the collection agency fee is paid by your creditor. You can check if a collection fee has been added to your account by reviewing your collection notice or by calling an account representative at Grimm Collections.

No. Do not disregard the collection notice even if you have recently submitted payment. Please be advised that once your account has been placed with Grimm Collections, it is your responsibility to inform Grimm Collections that you have remitted payment. Grimm Collections will only stop its collection activity upon payment verification by your creditor.

Grimm Collections provides a dispute resolution process. Once an account has been placed with us for collection, you should contact us directly to initiate the process.

It is customary for our company to report unpaid debt to the three major credit-reporting agencies if your account remains unpaid for 60 days from the date we receive it from your creditor.

Your credit rating may be affected, which could impact your ability to receive future credit. To avoid this, please contact Grimm Collections immediately to arrange payment on your account.

Our staff is trained to work with you and find a solution to help get you out of debt. However, if you absolutely refuse to contact us directly, perhaps you will choose to contact a debt management company, such as Consumer Credit Counseling Services. CCCS is a non-profit organization whose sole purpose is to help you get on track with your finances.