03-30-2012 08:59 AM
So here is my problem. I filed Chptr 7 last year (medical) and have been doing damage control and trying to rebuild my shattered credit. I have had ZERO luck with disputing this item:
Collection on debt to:
Med1 02 ***** Hospital
The collection agency "Amer Adj Bur" was hired to collect a debt of $317 originally owed to "Med1 02 ******Hospital" on account number "XXXXXXX".
|Amer Adj Bur|
|Feb 01, 2007|
|Med1 02 ***** Hospital|
|Chapter 7 bankruptcy|
Help, any ideas on how I should approach this? Is this hurting my score alot as it is the ONLY collection listed and was from 2007. Should I leave it alone or would it be worth it to try??? HELP PLEASE!
THANKS IN ADVANCE EVERYONE!!
03-30-2012 10:23 AM
03-30-2012 10:26 AM
Try "hipaa method" you have to google it.
03-30-2012 10:47 AM
THANKS...I will google it...so frustrating! I hear that they are VERY rude and hard to deal with
03-30-2012 10:52 AM
that's the beauty of HIPAA process- you don't have to deal with them =P
03-30-2012 11:30 AM
:-) Great! I just pulled my report and it says that it is due to fall off in September of 2013. Does this mean that it is not hurting me alot? I am so afraid to make it worse, like they might update or something, that I tend to not make a move either way
03-30-2012 02:17 PM
I would doubt anything this old is having much of an impact on your score- however using the HIPPA method to have it removed surely wont hurt. Good luck. Let us know.
03-30-2012 02:19 PM
Or, since it's so old, they may be willing to settle for almost nothing. How about a pay for delete? I'd offer about 25%. At this point they dont have much to lose.
03-31-2012 05:30 AM - edited 03-31-2012 05:34 AM
I noticed a little blurb at the bottom of the CR that stated Chaper 7 Bankruptcy.
Was this debt discharged in a personal BK? If so, it does not appear to have actually been paid.
I dont know how the HIPAA process is used when the OC was never paid..... but most likely the same, since there would no longer be a permissible collection pupose.
Maybe some HIPAA experts can shed some light.........
03-31-2012 10:19 AM
DH's credit score (EQ FICO) just went up FORTY POINTS (YES 40!!) for getting his last collection removed........We are very excited, tho still has BK til 2015....:*(.........
I think if you can get rid of this, have you tried to GOODWILL IT? I'm not sure disputing is going to get you anywhere if it is reporting correctly.