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Discharge bk med debt question

Frequent Contributor

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.

BK: 7 filed 3/31/12 - Discharged 6/27/12
Made some poor choices and life snowballed
BK: 13 filed 7/29/16 - on a 36th month time out
No CC - No Loans - Student Loans all current.
Message 1 of 10
9 REPLIES
Valued Contributor

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 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)
Message 2 of 10
Community Leader
Senior Contributor

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
730 EQ FICO 11/2017
750 TU FICO 11/2017
735 EX FICO 11/2017
$20k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE
Message 3 of 10
Community Leader
Senior Contributor

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
730 EQ FICO 11/2017
750 TU FICO 11/2017
735 EX FICO 11/2017
$20k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE
Message 4 of 10
Frequent Contributor

Re: Discharge bk med debt question

I am looking for help with this situation also.

BK: 7 filed 3/31/12 - Discharged 6/27/12
Made some poor choices and life snowballed
BK: 13 filed 7/29/16 - on a 36th month time out
No CC - No Loans - Student Loans all current.
Message 5 of 10
Community Leader
Senior Contributor

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
730 EQ FICO 11/2017
750 TU FICO 11/2017
735 EX FICO 11/2017
$20k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE
Message 6 of 10
Community Leader
Senior Contributor

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
730 EQ FICO 11/2017
750 TU FICO 11/2017
735 EX FICO 11/2017
$20k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE
Message 7 of 10
Frequent Contributor

Re: Discharge bk med debt question

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

BK: 7 filed 3/31/12 - Discharged 6/27/12
Made some poor choices and life snowballed
BK: 13 filed 7/29/16 - on a 36th month time out
No CC - No Loans - Student Loans all current.
Message 8 of 10
Highlighted
Valued Contributor

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 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)
Message 9 of 10
Community Leader
Senior Contributor

Re: Discharge bk med debt question

Yes! Opted out and sent letter on green paper with purple italic ink. Smiley Happy

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
730 EQ FICO 11/2017
750 TU FICO 11/2017
735 EX FICO 11/2017
$20k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE
Message 10 of 10