topic Re: Medical collections - Help for a new comer in General Credit Topics

Medical collections - Help for a new comer

Anonymous — Fri, 13 Jul 2007 15:18:00 GMT

Hi I need some help on how to get 2 medical collections removed from my credit report they total under $500 and I can pay the full amount that is due.

Please help me with the steps I should take. Will these items be removed after I pay?

Re: Medical collections - Help for a new comer

Tuscani — Fri, 13 Jul 2007 15:24:54 GMT

Welcome.. Please read the Scoring 101 thread.

http://ficoforums.myfico.com/fico/board/message?board.id=ficoscoring&thread.id=2654

Re: Medical collections - Help for a new comer

chartley3 — Fri, 13 Jul 2007 15:25:01 GMT

Send the CA a PFD letter. There are PFD letter examples on this forum that can help you as a template. Also read the Credit 101 posting

Re: Medical collections - Help for a new comer

Anonymous — Fri, 13 Jul 2007 15:49:48 GMT

Thanks!

What's PFD?

CA = collection agency, right?

Re: Medical collections - Help for a new comer

Anonymous — Fri, 13 Jul 2007 15:52:33 GMT

Thanks figured it out!

Re: Medical collections - Help for a new comer

Anonymous — Fri, 13 Jul 2007 15:52:45 GMT

PFD= Pay for Delete

Re: Medical collections - Help for a new comer

Anonymous — Fri, 13 Jul 2007 16:32:02 GMT

One more quick question.

What's the difference in doing the HIPPAA letter to the Originial Creditor (Hospital) as opposed to doing the Pay for Delete Letter to the Collection Agency?

Which is better or more successful?

Message Edited by ms_corporate on 07-13-2007 09:32 AM

Re: Medical collections - Help for a new comer

Tuscani — Sat, 14 Jul 2007 18:28:24 GMT

ms_corporate wrote:

One more quick question.

What's the difference in doing the HIPPAA letter to the Originial Creditor (Hospital) as opposed to doing the Pay for Delete Letter to the Collection Agency?

Which is better or more successful?

Message Edited by ms_corporate on 07-13-2007 09:32 AM

Who is reporting? OC, CA, or both?

Re: Medical collections - Help for a new comer

Anonymous — Sun, 15 Jul 2007 16:42:01 GMT

Tuscani wrote:

ms_corporate wrote:
One more quick question.

What's the difference in doing the HIPPAA letter to the Originial Creditor (Hospital) as opposed to doing the Pay for Delete Letter to the Collection Agency?

Which is better or more successful?

Message Edited by ms_corporate on 07-13-2007 09:32 AM

Who is reporting? OC, CA, or both?

Does it really matter Tuscani? I thought everyone here was in agreement that the HIPAA was a farce...or at least not effective. I have a few collections that I can pay, but I don't think the CA will be cooperative. I had been planning to send the HIPAA letter to these medical offices, but then decided (after reading here) to send the PFD to the OC instead. So......?

Re: Medical collections - Help for a new comer

Anonymous — Mon, 16 Jul 2007 13:48:23 GMT

The CA is reporting the collection. I havent contacted either yet though..

Re: Medical collections - Help for a new comer

Anonymous — Tue, 17 Jul 2007 12:47:51 GMT

Awaiting Tuscani's help....

Re: Medical collections - Help for a new comer

Anonymous — Thu, 09 Aug 2007 19:45:36 GMT

Still need help with this one, please...

Message Edited by ms_corporate on 08-09-2007 12:45 PM

Re: Medical collections - Help for a new comer

Anonymous — Thu, 09 Aug 2007 19:49:51 GMT

Whatever answers will come put will help me out too. Ok here is another question- If I use the PFD way- on my reports the collection agency just says GLA- and the accounts of course don't have the full numbers. How do I go about getting GLAs address? (PS- deep down in the pile of debree in my office I think I have the original collection letters)- but if I use those won't that be admittance of my debts with them?

Thanks so much

Re: Medical collections - Help for a new comer

Anonymous — Thu, 09 Aug 2007 19:58:59 GMT

Is it the GLA collection company based in Kentucky? If it is I have the address here some place. Let me know and I'll try to find it for you. And to answer your question about the PFD, you specifically state in the letter that you are not admitting you owe the debt. You tell them only that you want to clear your credit report.

Re: Medical collections - Help for a new comer

Anonymous — Thu, 09 Aug 2007 20:45:02 GMT

Yes, I believe it is KY. Thanks if you can find it. I am also going to go in my closet and try to find the originals. I know I have them somewhere.

Thanks

Re: Medical collections - Help for a new comer

Anonymous — Fri, 10 Aug 2007 00:19:03 GMT

The address is GLA Company INC, PO Box 7728, Louisville, KY, 40257-0728. Good luck. They're not easy to deal with.

Re: Medical collections - Help for a new comer

Anonymous — Fri, 10 Aug 2007 03:28:36 GMT

Have you dealt with them trying to get PFD of GW letters? I just don't know where to begin

Re: Medical collections - Help for a new comer

Anonymous — Fri, 10 Aug 2007 04:14:55 GMT

netpanther wrote:
Whatever answers will come put will help me out too. Ok here is another question- If I use the PFD way- on my reports the collection agency just says GLA- and the accounts of course don't have the full numbers. How do I go about getting GLAs address? (PS- deep down in the pile of debree in my office I think I have the original collection letters)- but if I use those won't that be admittance of my debts with them?
Thanks so much

Location

GLA Collection Company
2630 Gleeson Lane
Louisville, KY 40299
(502) 267-7522

Mail Payments/Forward Accounts

GLA Collection Company
Dept # 002
P.O. Box 7728
Louisville, KY 40257-0728

I googled GLA collections

Re: Medical collections - Help for a new comer

Anonymous — Fri, 10 Aug 2007 04:35:29 GMT

Ok, thanks so much. Now here is my question. If you read the thread about the newcomer w/ medical bills you will see how I ended up w/ the three accounts- which I never paid (I know- childish and foolish me) because I disagreed with how I ended up with them. Should I start by just trying to get a negotiation for a certain percentage and paid as agreed or should I really try for the PFD?

The first bill is for an air brace that they charged my 90 dollars for which I had no idea they were going to do- and then ins. wouldnt' pay. The second was for a charge for an Xray or something that ins. wouldn't pay. The third was an ER visit on a different occasion and because the Dr. smelled alcohol on our breath the Dr. coded the visit as "under the influence" and the ins. wouldn't pay.

Any more advice would be wonderful. Also- does anyone know if I did actually get these removed how much my points on my score would go up? If I can't get PFD and just get "paid as agreed with a negotiated amount" will that help my score too?

Thanks so much

Re: Medical collections - Help for a new comer

Anonymous — Fri, 10 Aug 2007 12:33:16 GMT

Netpanther, Yes, I have dealt with them asking for a PFD. The result was a list of every account that had ever went to their collection agency for the past 15 yrs and an update of the accounts within the 7 yr reporting period to the CRA's. Major hit to my scores as some of these (I have 8, amts averaging 30.00 each, I had no idea these were being reported. They are from the hosp. where I work we are not supposed to have out of pocket charges for in house services. hadn't updated in 5 yrs. Oh, and they also provided a sas envelope I guess they think I'm just going to write the check. Good luck, I hope they will work with you.