Legal Question in Credit and Debt Law in Georgia
Paid In Full on Check
A doctor sent final bill. Stated I owed $54.06 and ins co owed $58.10. Wrote them a letter after going over my receipts. Told them that accoring to receipts I only owed them $17.00 and the ins co owed $0. Sent a check for $17.00 with ''Paid In Full'' on front of check. It was cashed. Now exactly one year later I get another bill for $38.12 (which is minus the $17.00 but plus $.96 finance charges. Also it says that the ins co still owes. Legally, is the bill considered PAID since they cashed the check with the statement on front of it????
1 Answer from Attorneys
Re: Paid In Full on Check
Generally, marking a check "Paid In Full" is not sufficient to extinguish a balance due on an account. However, I would consider sending the creditor a copy of the cancelled check and demand that they mark the account closed. Because it is a relatively small amount they may close the account.
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