HIPAA DIDN'T WORK FOR ME!!!! PLEASE HELP

[tryin_to_make_it]

HappyDays I began the process with the HIPAA letters to the OC. I did not do the Pre HIPAA letter because it states that I have no knowledge of the account which isn't true.  I am fully aware the account belongs to me. Should i do this step anyway?  Do the CRAs take that statement literaly or do they just use these letters to begin the dispute process?  If so, would it be a good idea to try this process over for this same collection?  Or am I screwed now?     i also forgot to mention that i did send the follow up letters to the CRAs once i got the green cards from the HIPAA letters that i sent to the OC.  If i am able to start this process over for this collection do i need to wait for the CRAs to respond or resolve my follow up letters to them? or can i just start now with the Pre-HIPAA letter?

[Anonymous]

whatever happened with this?...those were some of the same questions I currently have...did anyone answer?

[fused]

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Ryan2151 wrote:
Not surprised. Didn't work for me either. I sent the "pre" letters and all that happened was the bureaus verfied and re-aged the accounts. All this business about colored paper and such seems nonsense to me.

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If you stick with it, you'll succeed. And its not nonsense. Its worked for me when I helped friends and family. Also, you're confusing re-aging with "updating".

Message Edited by fused on 04-25-2009 04:26 PM

[fused]

It doesn't matter what you and I know, the CA must prove they have a business purpose to your private health information, and the CA must be reporting a valid collection. The pre-HIPAA medical dispute letter is the beginning point to finding the answers to these questions.

Let me reiterate, after you opt-out and update your address on your credit reports, the HIPAA letter process ALWAYS begins by sending the pre-HIPAA dispute letter to the CRAs CM. Writing the HIPAA letter to the OC and failing to get a delete doesn't mean the HIPAA letter process didn't work.

[Anonymous]

I've had the following success since Aug 08

So far, since August, 2008, I've had the following deleted from my credit reports via the HIPAA method:

Nasty CA Attorney for hospital $50 paid

CA for hospital $1678 unpaid

CA for hospital $385 paid

CA for hospital $115 paid

CA for hospital $330 unpaid

CA for hospital $759 unpaid

DH has had the following removed, the medical ones by HIPAA:

NCO FIN/35 ambulance $627 unpaid

NCO Fin/33 hospital $1650 unpaid 

DH has two more to go...

It's not always easy... some of them are, but some have been a bear. But it's worth the money it saves. 

Message Edited by likewise on 04-25-2009 06:28 PM

[Anonymous]

How did you get some of the CAs to remove the negatives/collections using the HIPPA method if they were unpaid?

[fused]

Perhaps they were invalid unpaid med collections. Just as paid med collections must not report, same goes for invalid unpaid med collections.

[Anonymous]

What are some examples of "invalid unpaid med collections" (other than not mine)? 

I posted in another thread that I had thought my insurance carrier was responsible for paying a bill and now, I find out that that might not be true. Would that be an example of a "invalid unpaid medical collections"?

[fused]

A CA or JDB (junk debt buyers buy debt for pennies on the dollar from other CAs) who bought a debt and is reporting an unpaid hospital that is old and refuses to validate it. There are examples, but this one quite common.