Ray Klein, Inc. Debt Collection Complaint

Ray Klein, Inc. Debt collection department,

Medical Taking/threatening an illegal action Sued w/o proper notification of suit Oregon

I was insured with - in - Oregon, a Health insurance company. ( could and should file a separate fraud complaint against them also ) I got very sick and needed to stay in hospital for a few days. I was covered under - insurance who in start of 2016 made statements in - newspaper ( - area ) and on all TV news in Oregon that they were insolvent and about to go belly up as in Bankrupt and would be shut down. At that time I paid my premiums until I deemed that switching to another carrier would be more to my advantage and did not want to take any chances with a company whose mismanagement of funds was so dire it announced it would end up being broke I had a lot of medical issues that continued and got statements from - stating they had covered everything. Now I am in court with - - a division of Professional Credit Services out of - Oregon and I am being sued.


I was told yes and not to worry. My illness led me to the hospital - me. I was admitted into the -. - - is said to have been playing " coding games '' and did not pay items they told the hospital they would or were supposed to pay and it landed in collection. My last visit to the hospital was -/-/2016 and I was told I had a - balance, so how it is now that I have almost - in a lawsuit from some predatory collection agency who I am going to file a separate complaint with. - is a scam and countless other people I know bailed on this company when it was announced it would go out of business. I am now being punished and - is violating my original insurance by not paying what they said they would pay. - failed to communicate with me and instead of paying what they said ( insurance fraud ) they then bounced it back to - - in -, Oregon, the hospital and they, after telling me I owed them nothing, then turned around and were not paid by - and instead of losing face or re-negging on their original statements to me, they instead turned me over to a predatory collection agency that has violated my ever consumer rights. PROFESSIONAL CREDIT SERVICES and - - their legal division have refused to itemize the bills and have told me and threatened me to put a lien on my home. Interestingly enough I do not own a home. Also threatened to come after me, whatever that means. They are in violation of every law and rule regarding debt collection. especially when the debt is not or should not need to be paid based on the very words of the hospital and - - - were paid handsomely by - for the majority of my bills and should have been covered completely after my small deductible was eaten up. - is in violation of misrepresenting the facts to the hospital and the hospital deals directly with Professional Credit Services who are criminals in every respect and - - based on their reputation are known to violate every law regarding this issue