Need Help, Hippa Question

[UpandUp]

I have read the Hippa process thread and done:

1. 3/7/09 - opted out via "the website"

2. 3/7/09 - mailed opt out letters to all of my current creditors in good standing

3. 3/10/09 - mailed pre hippa letters to the 3 CRAs

While waiting, received a collection letter for a medical collection that is not currently reporting and therefore was not a part of the pre hippa letters.  What do I do?  

1. The OC is not reporting this

2. The CA is not reporting this

Do I pay, and if so, do I try to get something in writing from the CA that they will not report?  

Message Edited by UpandUp on 03-14-2009 11:46 PM

[Anonymous]

Ignore the CA and make payment to the OC using the restrictive endoresment now!!!  What letter???  did it come CMRRR.

A CA can not report until the mail you a letter.

[UpandUp]

1. The letter came regular mail "... Unless you notify within 30 days that you dispute we will assume this debt is valid..."

2. I contacted the OC by phone, gave them the account number for the bill and was told that the debt had already been transferred to CA and that I now had to deal with CA.

3. If it turns out the answer is to still use a restictive endorsement, is there some sample text of one?

[Anonymous]

If a letter is not sent CMRRR  then there is no proof that it was sent!

Restrictive endorsement is simple...........Payee:  Full name of OC.     On the back of check:  For deposit only into the account of FULL name of the payee

[UpandUp]

Just to be sure I understand, even though the original creditor told me to only deal with collection agency for this debt via phone:

1. Ignore OC comments

2. Ignore CA letter'

3. Mail payment in full with restrictive endorsement to OC

[Anonymous]

Yes that is what I would do.

[UpandUp]

One last quickie.  Do I send the payment in CMMRR, or CM, or just regular mail?