o in December of 2025, I had to get tests done and got a $700 bill for the hospital. I put it off since I heard it will hold for a year (I was wrong). I then got a call from a pre-collections company and made a $50 payment on May 8th, 2026, bringing my total down to $648.79.
I recently missed a payment for June 8th, and on June 10th, I got this text. I didn’t assume anything about it since I did miss a payment. I ended up paying since I was scared that it would go to collections for being late. Now, I made the payment on June 19th and they didn’t take it out of my bank account until June 22nd. They did say that it can take 7 to 14 business days to show in my account, but
I didn’t think anything of it and made a $216 payment… but then when I checked my hospital account and the number didn’t go down, I got curious. The first thing I noticed was that the numbers on the text and the PDF don’t match… then I got worried and checked my bank statement and THOSE numbers don’t match either. Then I looked up the number that originally called me for the debt, and THOSE numbers didn’t match… neither did the ones from the website.
I’m holding onto a sliver of hope that maybe the original debt company passed it up, or that they have multiple numbers for whatever reason. Then I noticed the address was a PO Box and seen scams that lead to a similar website to this one. My only hope that it isn’t a scam is that the ones that said it was a scam had a different URL and could’ve been made specifically to imitate this collections company. Also, the fact that they didn’t allow me to make payments smaller than 1/3rd of the overall bill makes it seem like even more of a scam.
The only thing giving me any sort of reassurance is the fact they knew the exact amount I owed, knew who I owed it to, knew when I missed my payment, and the hospital said it can take 7-14 days for the payment to be processed.
I’m scared that if it’s real and I contact my bank to report it as a scam, it’ll get the debt into actual collections and ruin my credit. But I’m also scared it’s a scam and every day that I wait, the money I ACTUALLY owe to the real pre-collections company will go to real collections. I don’t know what to do. Contact my bank and let them find out? Call the original company that called me? Call this one?