You Don't Know If You're Being Scammed, Or A Deadbeat!

Thursday's mail contained an envelope that looked like junk mail. It had other junky companions, yet also real mail, like our monthly statements from our financial investments. Of course I open all the mail to make sure I'm not missing anything important.

This one was in a plain window envelope. With a return address in Georgia. No stamp, just a printed "First Class Mail, Presorted, Postage Paid, Mailed From Zip Code 44711, Permit No. 1377." Nothing especially remarkable about the appearance.

Inside was a one-sided paper. Thin paper. Which stated it was from a DEBT COLLECTOR!

Well. That was disturbing. We pay all our bills. WHEN WE GET THEM. Supposedly, this was a debt from an anesthesia group. I've never heard of it, but Googling showed that it has offices in several states, and one in St. Louis. Farmer H has had several surgeries over the years. We've gotten bills from doctors and radiologists and anesthetists. It's not unreasonable to think that this bill might be legitimate.

However, there was no date. No location. No doctor. No type of surgery. Just a Reference Number. And a total debt of $40.91. 

Also, details that between June 1, 2026, and now, we were charged 0 interest and 0 fees. There were payments in the amount of 0. And adjustments in the amount of 0.

Also, this collection agency is giving us until August 27, 2026, to dispute all or part of the debt. If we write them, they must stop collection until they send us information that shows we owe the debt. We can include supporting documents. They also accept disputes electronically at a website.

At the bottom is a form that can be cut off (no perforation) to send back. 

Check all that apply:

*************************************************************

I want to dispute because...

This is not my debt. 

The amount is wrong.

Other (please describe on reverse or attach additional information)

I want you to send me the name and address of the original creditor.

I enclose this amount $ _____________.

Make checks payable to: [name of collection agency]

**************************************************************

It would be so easy to write a check for $40.91 and be done with it. HOWEVER... I don't know if we owe this amount or not. We never got any bills from any anesthesia group that we didn't pay. It would be odd that such a debt got turned over to collections without multiple attempts to notify us of the bill.

Also, we've had a couple notices this year that our medical information was breached. Maybe this is just a scammer trying to get money or personal information. A check would give them our bank account number. 

I looked up the collection agency. They are not registered with the Better Business Bureau. Which AI says can be a red flag for scams. 

Farmer H wants ME to call and try to find out more info. I say they probably won't talk to me, since his name is on the account. Then again, he would be more likely to give personal information than I would. So I guess I can give it a try. JUST to get the date, location, surgery, and doctor. Then we will know if it's actually something we might owe.