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Cowboybot
Sep 27, 2007
On a steel horse I ride
Hi guys, great thread. Questions here.

I had some dental work done, insurance was taking care of it, went to Afghanistan for a year. During that time, I guess insurance didn't cover the full bill, and there was a balance of 4k. I was contacted by a creditor when I got back, informing me that they've been trying to reach me. I've already paid about 1500 on the debt itself, but I think I'm kinda screwed here, as I just found out about pay to delete and what have you. Is it too late to send a debt verification letter? Or can I get a charge back on the credit card, and try to do a do over?

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