@gdale6 wrote:
@Anonymous wrote:
@gdale6 wrote:
SOL can be the state you are currently living in, your previous state lived in or the state in which the creditor is incoroprated or filed their LLC in. If you are trying to get a home loan you are going to have to pay these CAs whether or not they are on your CR, you will be asked if there is any outstanding unpaid debts on your mortgage app and uf you dont disclise them then its fraud. Medicals are easy to deal with if you dont anger them to begin with. Sending a DV demanding validation/CRA disputing may be seen as anaversarial stance and make it much harder for you to get the deletion(s) that you want.
For medical debts:
1. Call the OC and ask that they recall the collection in exchange for full payment
2. Send the reporting CA a PFD offer
3. Google the HIPAA Process and contact its creator for help
In that case, we're up s*** creek without a paddle and our LO is stringing us along something awful.
Since these are medical there are some mortgage loan companies who will overlook them, I have seen this in a few threads in the mortgage forum,This doesnt mean that you wont disclose them on a mortgage app if it asks if there is any other unpaid debts. I would be checking with multiple lenders to see who is willing to overlook this. I would advise if you are in a financial position to settle these that you do so in exchange for deletion, they will affect your Fico score and the rate you will get even if they are willing to overlook,
Medical aren't our only collections, sadly. We busted our rumps to get our judgements paid off first, we don't have the $17k sitting around to pay these off, nor the $12.5k they offerend to settle for. And yes, asking for verification was necessary as there are multiples on our report that appear to be three different CAs claiming they should be paid for the same bills. These are all 4-6 years old and no one mails us statements or collections of any type anymore, nor do the account #s match up to anything we have from the old medical bills. The hospital was useless when we called, could only say the'd been sent to collections and weren't sure who they currently belonged to.
