Backstory: I’m an undergrad faculty pupil with no dad and mom and no the place to show for recommendation. I went to the ER final 12 months and racked up a $1,600 medical invoice. I utilized for forgiveness by the hospital and was granted full debt forgiveness (nonetheless have forgiveness letter, saved it for my data).
Someday between when the debt was issued and when forgiveness was utilized to my account, it was despatched to collections. I figured since I had the debt forgiven from the place that issued it initially, all was good. Nevertheless, these debt collectors wouldn’t cease calling. I acquired calls from many numbers, positioned all by the U.S., to the purpose I simply started ignoring them since I additionally get frequent rip-off calls.
At present, the debt was utilized to my credit score report and my rating has dropped 61 factors. I by no means obtained something within the mail or something by way of e-mail, simply a great deal of calls from folks with international accents claiming I owed them 1000’s, despite the fact that I already knew the debt was forgiven.
The place did I mess up, and the place ought to I am going from right here?
