USE THE HIPAA PROCESS. I had 6 medical accounts that had been turned over to a CA. The CA is local and they know where I work so they immediately turned it over to an attorney and filed suit against me. I paid the accounts prior to the court hearing so that I would not incur a judgment. Once I paid them I opted out, and then sent the Pre-Hipaa Dispute Letter and within two weeks the accounts were removed from all three CRs.