We recently discussed three surprising things you may not have been aware
of that can be turned over to collection services. Library fines, utility
bills, and even school lunch debt have been turned over to collection
agencies. Remember, a debt collection agency may be quick to send negative
information to the three major
credit reporting bureaus. That information
is very harmful to your credit rating. Here are three more things that
have been given to collection services.
There has been plenty of talk about the potential for parking fees to
increase here in Pittsburgh if the parking garages are privatized. The
increase in parking fees may tempt you to find more creative parking
spaces. However, be careful. Many cities, under pressure to meet budgets
and bring in revenue during tough economic times, will turn unpaid parking
fines over to a debt collection service.
Your gym membership is often created with a contract between you and
the facility you'll be working out at. The gym creates a contract
for you to sign that states you'll make regular monthly payments to
them for a specified period of time.
As with any contract that
involves you paying a specified amount each month you can be turned
over to a collection agency if you fail to meet that obligation. A
quick read of complaints online about gym membership fees being
turned over to collection services, shows that it's generally the
larger chain gyms that are more apt to take that action.
Other examples of companies that sell monthly memberships and have
turned customers over to collection agencies for nonpayment are
alarm monitoring companies, tanning salons, and gift giving clubs.
Your gym dues could end up on your credit
Your ambulance ride
When you're in need for an ambulance there is a charge that you will be
billed for that can vary by several hundred dollars, based on a number of
factors. For example, the type of care you need and the mileage be
traveling are part of what determines the final cost of your ambulance
While your health insurance, if you have insurance, will pay for the cost
of your ambulance ride, there has been controversy in the past over who
receive the payment for the ambulance ride.
In some cases a patient may not have been able to afford the cost of the
ambulance ride, as they had no insurance. In other cases insurance
companies would send payment directly to the insured (you), not the
ambulance service. If the insured didnít know what the money was for they
may not have given it to the ambulance service. Some people may not even
realize there is a charge for the ambulance ride; it is not a free public
Ambulance services who have not collected the fee they billed, either from
you or your insurance provider, can turn that charge over to a debt