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Frequent Contributor
Posts: 283
Registered: ‎02-05-2012
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Discharge bk med debt question

So, 

 

If my medical debt was assigned to a creditor and now that I am discharged do they have to delete the records? Because the accounts essentially don't exist anymore.

Last App: 9/16/13
BK Discharge: 6/12
NavyFCU Flagship Visa Sig $10k | NavyFCU nReward Secured $500 | NavChek $5k | Walmart $600 | Capital 1 Quicksilver $750 | Capital 1 Plat $1k | Kays $400 | Amazon $600 | Express $250 |
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Valued Contributor
Posts: 2,406
Registered: ‎11-29-2012
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Re: Discharge bk med debt question

I'm new here too, but I don't think they have to delete the records, they just have to change the balance to $0 and say IIB (included in bankruptcy).  However, since it is medical debt, you may be able to have the record deleted entirely by asserting your rights under HIPAA.  Search for HIPAA process on myfico or google it.  I plan to use HIPAA after my discharge in February.


Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 Goal Score:
 625 for now– New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Valued Contributor
Posts: 2,109
Registered: ‎07-12-2012
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Re: Discharge bk med debt question


starry1 wrote:

I'm new here too, but I don't think they have to delete the records, they just have to change the balance to $0 and say IIB (included in bankruptcy).  However, since it is medical debt, you may be able to have the record deleted entirely by asserting your rights under HIPAA.  Search for HIPAA process on myfico or google it.  I plan to use HIPAA after my discharge in February.


You peaked my interest on this.. I have some collections and charge offs for medical bills that I iibk, they are vali though. Should I be using this HIPPA method to get them deleted or just leave them be now that they show iibk?

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
721 EQ FICO 04/2015
720 TU FICO 04/2015
728 EX FICO 04/2015
$14k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $9k Barclay Arrival WEMC | $5.4k Cap1 Quicksilver | $6k Amazon Store | $10k Cap1 VentureOne | $5k Barclay US Airways | $500 Chase Freedom
Valued Contributor
Posts: 2,109
Registered: ‎07-12-2012
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Re: Discharge bk med debt question

If this info requires a PM because of legal issues I would greatly appreciate some insight

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
721 EQ FICO 04/2015
720 TU FICO 04/2015
728 EX FICO 04/2015
$14k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $9k Barclay Arrival WEMC | $5.4k Cap1 Quicksilver | $6k Amazon Store | $10k Cap1 VentureOne | $5k Barclay US Airways | $500 Chase Freedom
Frequent Contributor
Posts: 283
Registered: ‎02-05-2012
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Re: Discharge bk med debt question

I am looking for help with this situation also.

Last App: 9/16/13
BK Discharge: 6/12
NavyFCU Flagship Visa Sig $10k | NavyFCU nReward Secured $500 | NavChek $5k | Walmart $600 | Capital 1 Quicksilver $750 | Capital 1 Plat $1k | Kays $400 | Amazon $600 | Express $250 |
Valued Contributor
Posts: 2,109
Registered: ‎07-12-2012
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Re: Discharge bk med debt question


ihatemyscore wrote:

I am looking for help with this situation also.


I will be dropping my letter off to be mailed tomorrow. I am going to try TU because I read that they are the easiest. Will keep you updated!

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
721 EQ FICO 04/2015
720 TU FICO 04/2015
728 EX FICO 04/2015
$14k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $9k Barclay Arrival WEMC | $5.4k Cap1 Quicksilver | $6k Amazon Store | $10k Cap1 VentureOne | $5k Barclay US Airways | $500 Chase Freedom
Valued Contributor
Posts: 2,109
Registered: ‎07-12-2012
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Re: Discharge bk med debt question

Well I sent the HIPAA letter to TU and just yesterday I got a letter back stating they have deleted the 5 medical charge off accounts that were reporting as iibk. These accounts arent showing on EQ and I heard EX is hard to deal with so I didnt try. I have also read that TU is the easiest.


ihatemyscore wrote:

I am looking for help with this situation also.




 

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
721 EQ FICO 04/2015
720 TU FICO 04/2015
728 EX FICO 04/2015
$14k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $9k Barclay Arrival WEMC | $5.4k Cap1 Quicksilver | $6k Amazon Store | $10k Cap1 VentureOne | $5k Barclay US Airways | $500 Chase Freedom
Frequent Contributor
Posts: 283
Registered: ‎02-05-2012
0

Re: Discharge bk med debt question

I got all mine deleted from TU no problem with a online dispute. EX is the coprate.

Last App: 9/16/13
BK Discharge: 6/12
NavyFCU Flagship Visa Sig $10k | NavyFCU nReward Secured $500 | NavChek $5k | Walmart $600 | Capital 1 Quicksilver $750 | Capital 1 Plat $1k | Kays $400 | Amazon $600 | Express $250 |
Community Leader
Valued Contributor
Posts: 2,406
Registered: ‎11-29-2012
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Re: Discharge bk med debt question

Yay!  I'm glad it worked for you.  I still don't understand it, so you only had to do the first step?


Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 Goal Score:
 625 for now– New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Valued Contributor
Posts: 2,109
Registered: ‎07-12-2012
0

Re: Discharge bk med debt question

Yes! Opted out and sent letter on green paper with purple italic ink. :smileyhappy:

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
721 EQ FICO 04/2015
720 TU FICO 04/2015
728 EX FICO 04/2015
$14k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $9k Barclay Arrival WEMC | $5.4k Cap1 Quicksilver | $6k Amazon Store | $10k Cap1 VentureOne | $5k Barclay US Airways | $500 Chase Freedom
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