Hi all so I know we cant really talk about HIPPA here but I have a very general question that I hope someone can answer so that I dont end up doing the wrong thing. I have a medical debt that is still in SOL. The OC (a hospital) said that they already sent it to collections and I CAN NOT pay them (the hospital). The amount is for $500, I received a settlement letter from NCO for a little over half and that is what I really can afford to pay now ( I am a broke college student). So should I send NCO a PFD letter for the amount asked in the settlement letter? or should I do HIPPA? I am not to familiar with HIPPA but I can find out more info if that is the way I should go. I really would like to have this taken care of so that it never comes back to haunt me again.
Started at 586 EQ and 604 TU in 8/2009
565 EQ Oct 09
614 EQ Dec 09
624 EQ Feb 10 ---604 TU Jan 10
643 EQ March 10 --from lender
Current 573 TU (myfico) 632 EQ (from lender) Jan 11
