Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Financial Resources, Inc.
State: MA

Complaint narrative:
Starting XXXX I started experiencing XXXX where in any random moments I can have a XXXX and become XXXX XXXX XXXX XXXX XXXX XXXX. One day I must of had a XXXX and someone called an ambulance and I was unaware of if. During the year XXXX  I was navigating through my credit reports when I came across a debt from XXXX XXXX XXXX XXXX ambulance. I Immediately contacted the company for verification and as I spoke with the collector, the information they provided to me shows that the bill was send to the wrong address Which was my old address and I informed them and they updated my new address from there. While on the phone with the collector I asked why was the bill not sent to my insurance and I was told that they didnt have my insurance information. I ask if I can give them the information needed so that my insurance can result it and I was told that they wasnt able to, and that I would have to contact my insurance and do it myself. 
I contacted my insurance and informed them about the bill and they looked it up and told me that I did have coverage for the service at the time of the service and they would proceed with covering the bill. I called the bill collector and updated them with the information. After a while I received a notices about the same bill. I contacted bill collector to ask, why? And I was told the bill was never paid for. I contacted my insurance and spoke with them about the situation and the insurance agent-said that, they didnt see the information i provided on file and again I gave them the bill information so that they can result the issue. they look it up and again told me i did and I still do have insurance coverage especially for transportation so bill could of been covered but they wasnt able to pay it since it been so long. While on the phone with the insurance agent she told me that she was able to post it she told me that it was possible that the state or some kind of voucher could cover it for me based on my situation. and I asked her to please proceed with it. After that I contacted debt collector and informed them about everything and they told me that they will put the account on hold for me. After a while I contacted debt collectors to see if there was any changes and there was none. I contacted insurance for one last to see what I should do, I spoke with her and explained in the best way I could about the bill and my last conversation with the last agent I spoke with and she gathered the information and told me, first the bill is to old and the fact it was send to debt collector makes it impossible for them to do anything about it and that I wouldnt even be able to dispute the insurance decision for not covering the bill. As a result I moved on and try seeking some advice on what to do next.i reach out to debt collector through email and ask to dispute the bill and they refuse to submit it because its been too long and they spoke to me multiple times about it already. I explained to them that, they only spoke to me because Im the one reaching out every time to resolve the issue and I didnt hear from them after that. I agin called debt collector and ask for a settlement and they agree for me to pay the minimum 65 % of the bill. After realizing that I wont be able to cover it in time, I called and explained that to them and also asked about the dispute. I explained that the bill was sent to the wrong adress, and during the time of the service I was unconscious, I have XXXX and someone must of called me an ambulance which is now causing this issue I never knew about. And again he said he wont be able to proceed with the dispute but extended the Settlement to 2 more weeks. With my XXXX  XXXX  and living situation its harder to work and save. After seeking for, I could only think to file a complaint.

Company response to consumer: Closed with explanation