sort of a HIPAA questions (but not really)

Mar 162011
 

I know the HIPAA process is no longer discussed here, but this situation is a little different and I am looking for some advice.  Up until about 2 months ago, I had a medical CA on my report from an emergency room visit I had a while back (very confusing billing led to missing one of the bills).  Anyway, the CA suddenly disappeared unexpectedly about 2 months ago.  About 1 month ago, I received a dunning letter from a different CA for the same bill.  This new CA is not reporting (yet).

 

What is the best way to keep this from showing back up on my reports.  I can pay the bill now, but I want to do it in a way that will prevent it from reporting.  Since the CA is not reporting, I can’t really use the standard HIPAA process.   If I pay the OC, I am afraid that the CA will not find out and report anyway.  I would be able to get them to update to “paid” in that case, but, as we all know, a “paid” CA really doesn’t help at all.

 

Is there a way that I can pay the OC in a manner that would make it so that the CA couldn’t report?  Kind of like the HIPAA process, but without the first round of letters to the CRA?  Or, should I just pay the new CA before they report (with a written agreement that they won’t report if I pay)?  Or would contacting the CA ruin the possibility of following the HIPAA process later if they do end up reporting?

What to do with this medical collection?

Feb 152011
 

I have a medical collection from a few years ago (within SOL). Every year we’ve paid off a huge chunk of outstanding debt and this year we are able to pay off the remainder of our baddies.

 

I contacted the OC to pay them directly, however, they said the debt is no longer on their books. I asked if they’ve been paid by the CA and they told me no, meaning they wrote off the original debt and do not have retrievable records of it any longer.

 

The CA is still attempting to collect this debt, but it seems they don’t own it, yet are still attempting to collect on behalf of the OC. The OC also informed me that if any payment is made to them they would just forward it to the CA.

 

My questions is, if the OC doesn’t have any record of the debt and the CA hasn’t bought the debt, does that mean the CA still has a legal right to collect and report the debt as outstanding. I’ve attempted to dispute this a few months ago just to validate the debt and it came back verified. Now I’m wondering how they were able to verify it.

 

What should I do in this case? Should I attempt to dispute it again, do I take the HIPAA route, etc.?

Sent preHIPAA & other disputes – no response yet…

Feb 102011
 

I’ve gotten responses from both EQ and EX on preHIPAA letters and other late payment disputes but absolutely nothing from TU.  It’s only been 2 weeks but you’d think they would have sent me SOMETHING!  I don’t want to send in the HIPAA letter to the OC’s until I get the verifications of each MED collection from all 3 of the CRA’s.

3 Medical Collections deleted from TU

Jan 162011
 

Hello everyone,

 

Last Tuesday, I sent off 3 separate certified pre-HIPAA letters to TU.

 

Great news I went home last night and all 3 have been deleted.

 

Does anyone know how many points my score could possibly go up?

Does HIPAA apply

Dec 302010
 

Just wondering if anyone can tell me if the HIPAA process applies to bills that were paid through collections? We had some medical bills that were sent to collections. We paid them off through the collection agency. They show up as paid on our credit report, but because of the negative, still affecting our credit score.

 

Any info will be appreciated!

 

Thanks,

ldohve

Hipaa process and finding exact amount due

Dec 092010
 

I have a CA that has 2 med collections.  They show an “original amount due” and a “current amount due” in their reporting.  Obviously, the “current amount due” is higher than the original amount.  I would like to pay these with OCs using the Hipaa process, but I can’t find the amount that was originally due (the CA has changed the “original amount due” a couple times in their reporting).  The OC say the debts are no longer in their system once they are passed to collections, so they can’t tell me what the amount was on the original bill.

 

Should I just send the cashier’s checks to the OC using the amount that the CA is currently showing for  “original amount due”?

sending hipaa letters.. exact citation needed?

Dec 062010
 

in my letter to the OC hipaa compliance office, do i need to cite specific hipaa violations?  if so what are they?

 

or is it ok to just say “HIPAA” as a blanket citation of the applicable law?

Medical debts in BK, send HIPAA letters?

Nov 282010
 

I have a question, I recently filed BK Cht 7 Nov 12, 2010. I had a few medical collections that were included in the BK…after my discharge in Feb. all the accounts will be still reporting on my credit reports right? So, with that said, can I do the HIPAA letters for these accounts?

TU Deleted!

Oct 302010
 

I sent the big 3 my pre-HIPAA dispute on a paid medical bill last Friday. TU received the dispute Sunday and today It’s gone! My TU is officially baddy free! Now just have to wait on tweedledee and tweedledumb to finish their “investigations”

Newbie here…..Just looking to possibly get some insight

Oct 202010
 

Hi. Quick introduction: my credit repair began in July of this year after being tired of dreaming about buying a house. Being 30 years old, and a renter, made me realize I needed to do something. So I did. I first signed up for a credit repair company to fix my problems, and within the first month, I cancelled. I should have done some research BEFORE signing up, but oh well…can’t change that now.  I have been semi successful in the last 3 1/2 months.  I’ve had several “popular” CA’s removed, so I hope I will be able to help with what I have done.

 

I would like to recap what I have remaining on my 3 credit reports and what my plan is for each one, and maybe if one of you has some additional advice, I would greatly appreciate it. I am not sure if I can post the CA’s names or not, so for now I will be safe and “hide” them.

 

TU, EX, EQ AFN1 (Old cable bill) $4xx

TU, EX, EQ Rec Man Grp (old hospital bill) $5xx Completed Hipaa process, waiting on some info from OC on this one

TU, EX, EQ Amer H0nda (repo) $9xxx Still in SOL – Plan to leave alone for now

TU, EX, EQ HSBC (chargeoff Orchard) $5xx Still in SOL – Plan to leave alone for now

TU, EX, EQ T@rgett (chargeoff) $8xx Still in SOL – Plan to leave alone for now

EX, EQ Dat@trac (dentist bill) $1xx Need to begin Hipaa process

EX, EQ Dat@trac (utility bill) $4xx

EQ, Dat@trac Duplicate as utility bill above In dispute currently due to being a duplicate

EX SC@ Collections (medical) $3x Need to pay via Hipaa process

EX, EQ Sp@rtan Financial (medical) $1xx Need to pay via Hipaa process

EX North @merican (medical) $2xx Completed Hipaa – no response from OC – Sent FTC complaint

EX Cred1t central $9xx

and then a few 30 day lates Need to goodwill these

 

I have one secured CC that I opened last month, currently at $450 credit limit, plan on increasing when I can until it’s at $1000

When I began, my FICOs were in the LOW 500′s. I’m in the mid 500′s now. I have had ALOT removed, but most were old accounts.

 

So if anyone has any advice for me, I would sure appreciate it!

 

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