It is important that you’re prepared to talk to a biller when he or she calls. If someone calls and you are not prepared, tell them the truth and say you need time to get organized and understand your bills frst. The billers defnitely take time to know your account before they call (although some now use automated dialing). Before you talk, you need to fll out the template in the previous chapter and know the total amount owed from all providers as well as what is expected in the foreseeable future.
The difference between billers and collection agencies
A “biller” is an employee of the provider that you saw for treatment. This person works for the physician or hospital to process their bills and post payments as they come in. A “collector” is from a collection agency and is not an employee of the provider. Collectors get involved after your account is 90-120 delinquent. Billers will mark your account as “bad debt” to get it off their books and then forward your account to collections. Here is the key: billers only send your account to collections if they believe that you are able, but not willing to pay your bills. Collectors can be aggressive and intimidating. They can adversely affect your credit score or place liens on your home or property if you do not pay your bills.