topic Re: Medical Collections in Recovering from Medical Debt

Medical Collections

Anonymous — Thu, 30 Apr 2009 00:22:44 GMT

Ok I have this on my credit report

FFCC-COLUMBUS INC

Current Closed

614-358-9900

Mailing Address: 1550 OLD HENDERSON RD ST COLUMBUS, OH 43220

Account Name FFCC-COLUMBUS INC No Data Returned
For This Bureau No Data Returned
For This Bureau Account # 816XXXX Account Type Collection Department / Agency / Attorney Balance $0.00 Date Opened 11/1/2007

Account Status Closed Mo. Payment Close Account Details Past Due Payment Status Debt included in or discharged through Bankruptcy Chapter 7, 11, or 12 High Balance Limit Terms 1 Month Comments Account in dispute-reported by subscriber

It was for a medical collection. I offerded them like $50.00 or 100.00 for PFD and had no response several times.

Now I have another collection agency after me for medical for 300.00 I just got the paperwork today and I sent them an offer to pay them 200.00 for no reprt to the credit bureaus. I get no responce. Am I stupid or what do you guys suggest? I am confused. Thanks Ted and Pati

Re: Medical Collections

Anonymous — Thu, 30 Apr 2009 00:25:17 GMT

Was this included in a BK?

Re: Medical Collections

Anonymous — Thu, 30 Apr 2009 00:36:04 GMT

The FCC columbus was included in BK.

The mail I recieved today I attached this letter to and am going to send out tommorow. It was not included in the BK.

If I am doing something wrong or you suggest I just pay the whole 273.00 let me know.

April 29, 2009

Nationwide Credit and Collections

PO BOX 3159

Oak Brook, IL 60522-3159

Dear Nationwide Credit and Collections,Subject: Account 010985000592

This letter is an offer in compromise due to my personal financial situation. I am willing to pay this account $200.00 to make it go away. I am struggling with my bills like everyone else and if you are in agreement to accept $200.00 for deletion of this bill from any and all credit bureaus please send a letter stating that you are willing to accept the $200.00 for a final payment and there will be no reporting of this bill to the Credit Bureaus. The funds will be paid by certified funds to the collection agency, once a letter is received stating that neither Suburban Pulmonary nor Nationwide Credit and Collections will be reporting this to any Credit Bureaus.

I am sure in the time of financial crisis that is currently going on that this is an acceptable offer to Suburban Pulmonary.

Sincerely,

Re: Medical Collections

Anonymous — Thu, 30 Apr 2009 00:51:19 GMT

OOPS I GUESS I marked that as accepted and didnt mean or know what I was doing.

Re: Medical Collections

fused — Thu, 30 Apr 2009 01:05:02 GMT

Welcome! Have you read the med collections and HIPAA letter process link in my sig line?

Since this med collection is reporting as IIBK, HIPAA will not help because public records are exempted from HIPAA, you have no protection under HIPAA with public records.

Re: Medical Collections

Anonymous — Thu, 30 Apr 2009 01:18:18 GMT

So if it was included in Bk or not. If I send FCC
Columbus a letter for 50 or100 bux PFD why would they not take it?

As for the second letter I recieved today that was not included in BK from nationwide what do you suggest. Did you read my letter I am sending out tommorw. Will this work or should I offer them the 273 they are asking for before they post it to the credit bureaus? Thanx

Re: Medical Collections

Anonymous — Thu, 30 Apr 2009 01:30:39 GMT

Maybe this will help me if you see the three bureaus and how they are reporting the FCC Columbus thing.

COLLECTION COMPANY OF

Potentially Negative

781-681-4300

Mailing Address: 700 LONGWATER DR NORWELL, MA 02061

More Account Details

Account Name COLLECTION COMPANY OF COLLECTION COMPANY O COLLECTION Account # 1058XXXX 1058XXXX 1058XXXX Account Type Collection Department / Agency / Attorney Collection Account Collection Account Balance $134.00 $134.00 Date Opened 10/1/2008 10/1/2008 10/27/2008

Account Status Closed Open Mo. Payment Close Account Details Past Due Payment Status No status Account Disputed Collection account High Balance Limit Terms Unknown Comments Account in dispute-reported by subscriber
Account Disputed
Account information disputed by consumer

EXPERIAN IN FIRST COLLUM EQUIAX IN SECOND TRANSUINION IS IN THIS ONE

This is from FREE CREDIT .com I know but I was paying for true credit until I removed all I needed to remove from them. Then I decided to pay for Free Credt report.com to remove the experian stuff. Let me know what you guys thing. Pati

Re: Medical Collections

Anonymous — Thu, 30 Apr 2009 01:32:06 GMT

I guess the paste didnt work neither. If you do not understnad it let me know you should be able to figure out the three bureau report.

Re: Medical Collections

Anonymous — Thu, 30 Apr 2009 01:49:00 GMT

FAKO 657 EXPERIAN

Re: Medical Collections

Anonymous — Thu, 30 Apr 2009 02:45:51 GMT

On the one that was included......you can do nothing. It is illegal for them to accept any amount of money!!!

For the other med debt not included in BK........Follow the HIPAA process from the beginning!!!

You must make full payment to use the HIPAA process (HIPAA is only for paid med collections.

You will make payment using the OC letter AFTER the first steps.

Never talk to or contact the CA!!!

Remember follow the HIPAA from the beginning. And handwrite all dispute letters!!

Re: Medical Collections

Anonymous — Thu, 30 Apr 2009 06:12:29 GMT

Thank you soooooooo much before I sent the letter to the CA. If I need more info after I read HIPAA I will let you know or during the hipaa processI will appreciate whatever info you guide me twords. I do know what to do but there is one more Medical Bill for an AMBULANCE ride that and I REFUSE TO PAY IT that will arrrive any day and wait a minute, I thought my taxes paid for the ambulance? I am confused about what to do with that one for 2000.00???? I asked them to take me to a certian hospital and they told me they would only take me to the nearest hospital. That hospial could not handle me so they took me to the hospital I asked them to take me to in the beginnning? WITH A NURSE AND A CARDIAC MONITOR??? Costy at 2K... I hope I never see that one bill but I know it will be just behind this one. Put on your thinking caps because I do not have 2k when my taxes shoulod have paid? Yea? Just coming out of BK 2-3 years and do not need the collections. Patricia

Re: Medical Collections

Anonymous — Thu, 30 Apr 2009 06:26:20 GMT

On the collection letter that I RECIEVED IN THE MAIL TODAY. I sent the OC a letter telling them to reduce the 273.00 bill to 200.00 just like they do for Medicare to 200 bux! No response. Do you suppose I can I catch up the OC with the original BILL AMOUNT of 273 dollars and pay it before the CA dumps on my SCORE since I just recieved it today from the CA?? That sounds like the reasoable thing to do. SUX i do not really have the 273.00 but what the hell am I supposed to do now? I am 2-3 years out of BK. Is this Collection going to hurt me after BK>? Patricia.

Re: Medical Collections

Anonymous — Thu, 30 Apr 2009 06:34:02 GMT

So the HOLE QUEISTION IS will it be to my advantage to pay the OC NOW........Like on friday. FOR THE CA LETTER I RECIEVED TODAY? Do I request them to send a letter stating they will remove any marks on my CR or any CA? B4 I send them cash? Should I wait for that from the OC or should I send them the $$$ and get screwed by the CA. I love getting screwed in every way but not when it comes to my $$$$$ ?? YAHOOO!