Mortgage and Insurance

ok,

 

I have one collection that I’m trying to get rid of.  Its relatively recent, DOFD is 5/09.  amount is only 174.

 

First question is -  the OC is an allergy office – would this fall under medical (hipaa)?

 

 

now, when i first saw it on my reports, I sent a PDF letter to the CA, they sent back valid DV info. 

 

I then spoke to OC office and I still have the option to pay the OC office, but the lady in the office said she didnt know anything about pulling account back and asking to stop reporting.

 

Sent another PFD letter to CA that explained that I received their info, but am still willing to work with them if they remove it.  I also mentioned that I have the option to pay OC directly and bypass the CA (thinking this may prod them to want to make a deal if I pay them).

 

I receved a call from CA, which I had not received anything from them in months.  I thought this may be in response to my latest PFD attempt, so I called them back (I know I know, never talk to them…).   Anyway, the lady I spoke with was very polite and friendly, but she did try to say that a paid collection reports much better than an unpaid collection, to which I respectfully disagreed.  Bottom line is that she said they would not be able to remove from report.  I didnt pay on the phone, explaining that I needed to speak with my “financial advisor” again. 

 

my next step is to send a PFD letter to OC office and see if they will pull back the account and ask CA to stop reporting.

 

 

If the OC does not agree, I was wondering if it is worth it to keep pursuing CA with PFD or if anyone has dealt with ACEI collection agency and had any positive results.

 

Also, my first question above, if this is HIPAA, then maybe I’m going about it the wrong way?

 

any help is appreciated.

 

thanks.

 

 

 

 

• acei collections