Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
This is concerning medical bills with XXXX XXXX. My minor son, XXXX XXXX XXXX, XXXX XX/XX/XXXX has had numerous medical visits in the year XXXX and several in the two years prior. The visits have revolved around XXXX, ADHD and his recent diagnosis of XXXX Spectrum Disorder. My wife and I are middle income wage earners. We gross about $ XXXX a year between the two of us. I max out XXXX contributions, she maxes our XXXX contributions and some XXXX and have stellar credit ratings. We try to do all of the right things to be good citizens and not create a burden on taxpayers. We are not poor and we are not rich. I would describe us as the forgotten middle. 
Plenty of help for the poor and the rich can afford most, but no help for the middle class. All of that to say we have payment plans with numerous medical groups. We always work out payment plans and try to utilize our tax advantaged XXXX  which we contribute about $ XXXX a year to pay for those expenses. For the last 3 years our out of pocket expenses have exceeded $ XXXX or more a year and we do the best we can. I am writing due to problems we are experiencing with XXXX XXXX. They hold some of our medical debt and have sent other medical debt they still own to a collections agency. My wife XXXX XXXX has reached out to XXXX for clarification on what we owe. Naturally, when you are first billed, it may take numerous attempts and a long period of time before the insurance has paid what they will. My wife received an email from a collection agency with XXXX debt XX/XX/XXXX. This was in her junk folder so we were lucky to stumble upon it. Nothing mailed to us so far. We have asked XXXX why they have sent roughly $ XXXX in debt to XXXX XXXX XXXX They informed us that charges from XX/XX/XXXX have not been paid in full as they requested by XXXX according to their records. We informed XXXX that we received a notice in XXXX, but nothing past that. Nothing on that statement indicated we would be sent to collections. They claim they sent a bill in XXXX, but we don't have a bill. They stated their records show they sent a bill, but neither they or we can prove they sent one or that we did or didn't receive one. We have asked they pull the debt back and allow us to pay in payments and they refuse despite the fact we have a payment plan in place for charges from XX/XX/XXXX. We received no letters, no phone calls, no emails. We have been making payments all of this time thinking it was being applied to all of what we owe, but apparently they have applied our payments to what they want. Some towards what is on their payment plan and some of what was not on the payment plan. There is no clarity on what we owe in total nor how our payments are applied or any consequences. I called XXXX billing today and spoke to someone named XXXX. She stated they will not pull the debt back as they have made no errors. I asked what their escalation process is and she informed me that she could connect me to a supervisor, but I would receive the same answer. I asked to speak to a supervisor and she told me to hold and she would find one. She came back and told me she had someone available and she was connecting me and it went straight to a voicemail. I left my contact information and a brief explanation for my call early on XX/XX/XXXX and received no return call. We want to pay our bills. We are seeking help and maybe some compassion on the part of XXXX to work out a payment plan. They want most of their money now through collections. 
They will waive all debt for those with less than twice the poverty income, but won't help anyone else regardless of what is owed. XXXX is not the only medical group we owe thousands of dollars to, but they don't provide clarity in billing at all and clarity of how we pay and how the payment is applied. XXXX so far in XXXX has made {$1.00} billion in " excess revenue ''. That is profit for a non-profit organization. Please help us to communicate with XXXX. Again, we are Created on : XXXX XXXX willing to pay our debt with their " XXXX XXXX '' payment program in which they work out a structured payment plan based on income and the amount of debt. They charge interest on the plan despite no other medical groups doing this. 
We are just asking they pull the debt back from the collections agency so it doesn't ruin our credit which will make it more difficult to repay them. We are not asking for any debt forgiveness, just a little clarity and compassion. Thank you for your time and efforts to assist us. There are numerous account numbers. I tried to list in the box, but no luck. You can see them on the attached statements.

Company response to consumer: Closed with explanation