Reply
Established Member
Posts: 31
Registered: ‎11-10-2011
0

Remind me?

Sigh ... I haven't been working on our credit cleanup as hard as I should be. I am dedicating every Thursday from now until the end of time to get it finished.

Can you remind me the best way to deal with medical debts after they are verified? The Hippa process scares me a bit. I only deal and pay the provider, correct? Not the CA?? I got a letter from a CA demanding payment or they will file a judgement over $39.09 (so, so, so, so stupid). The debt was verified as mine. Send cashiers check to provider??

Thanks. So much.
Valued Contributor
Posts: 1,469
Registered: ‎08-30-2012
0

Re: Remind me?

I would suggest Google at this point. You won't get any help about HIPPA here. Sorry.


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 695|EXP 723 (FICO)
What's in my wallet? Cap1 PLAT AU $4.25k; Cap1 QS AU $2k; NFCU Siggy $45k; $5k WalMart MC; CFNA Firestone $1.8k; Amazon $3k; NFCU Cash Rewards $22K; AMEX BCE $21k; NavCheck $15k; Lowe's $10k; Citi DP $7.7k; AMEX ED $8.5k; Chase Freedom $4.5k
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Established Member
Posts: 31
Registered: ‎11-10-2011
0

Re: Remind me?

I don't want to do HIPPA.

I just want to pay it the proper way. It's only $39.09
Valued Contributor
Posts: 1,469
Registered: ‎08-30-2012
0

Re: Remind me?

Pay it and GW it later to get it removed then.


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 695|EXP 723 (FICO)
What's in my wallet? Cap1 PLAT AU $4.25k; Cap1 QS AU $2k; NFCU Siggy $45k; $5k WalMart MC; CFNA Firestone $1.8k; Amazon $3k; NFCU Cash Rewards $22K; AMEX BCE $21k; NavCheck $15k; Lowe's $10k; Citi DP $7.7k; AMEX ED $8.5k; Chase Freedom $4.5k
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Established Member
Posts: 31
Registered: ‎11-10-2011
0

Re: Remind me?

The medical provider, right? Not the CA
Valued Contributor
Posts: 1,469
Registered: ‎08-30-2012
0

Re: Remind me?

The CA at this point since they own the debt. You can try the provider and ask they pull the account back from collections and they may,  but they are not obligated to.


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 695|EXP 723 (FICO)
What's in my wallet? Cap1 PLAT AU $4.25k; Cap1 QS AU $2k; NFCU Siggy $45k; $5k WalMart MC; CFNA Firestone $1.8k; Amazon $3k; NFCU Cash Rewards $22K; AMEX BCE $21k; NavCheck $15k; Lowe's $10k; Citi DP $7.7k; AMEX ED $8.5k; Chase Freedom $4.5k
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Moderator
Posts: 12,952
Registered: ‎04-15-2011
0

Re: Remind me?

Or you could try for a PFD.  That might be your best first step.


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Valued Contributor
Posts: 1,115
Registered: ‎10-31-2011
0

Re: Remind me?


Shogun wrote:

Or you could try for a PFD.  That might be your best first step.


+1 because once you pay it you lose all leverage 

ccpics2.jpg

Get a myFICO recommended credit card

Copyright ©2001-2013 Fair Isaac Corporation.
All rights reserved.

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.