What do I do first?

southernficoaddict — Wed, 23 Jul 2008 16:49:43 GMT

These are my only two collections, well three, but I think one is a duplicate.

HFS Services

med. collection

Orig. bal.-$50.00

Bal.-$50.00

Date opened 6/13/2005

Date reported 10/24/2005

Reporting to TU and EQ

Another reporting to EQ with the same first 4 acct #'s, same opened and reported dates, but no CA name or other info. and different amount

NCO Fin/99

Original Creditor: Bell South

Orig. Bal.-111.00

Bal.- $111.00

Date opened 6/11/2004

Date reported 6/2008 (apparently June is not a good month for me)

I sent a PFD letter to NCO stating that even though I disputed that this was my debt, I would pay it in full in order to have it removed from my CR. Should I have done something else first? I havent heard anything back from them.

I also have a tax lein from 2004 that is reporting as "filed" even though it is paid. Any advice on that as well.

Re: What do I do first?

Anonymous — Wed, 23 Jul 2008 17:28:41 GMT

HFS Services

med. collection

Orig. bal.-$50.00

Medical is different then other debt mail this letter to all CRAs reporting CMRRR disputing HFS

Dear CRA,

My name is xxxxx xxxxxx , my SS # is xxx xx xxxx.

I am sending this dispute certified mail # xxxx to make sure you receive it.

I have no knowledge or records of account # xxxxx reported by xxxxxxx




Please advise me as to the name and address of the medical provider, the date and type of service,and to whom the service was provided, as any account I might have had would be obsolete.




If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies.

Very truly yours,
xxxxxx
address

Re: What do I do first?

southernficoaddict — Wed, 23 Jul 2008 18:29:21 GMT

Thank You!! I'm sending these today. These are my only collections so maybe I can make some headway with this. I have to work on DH's next, he has three med collections and that is it. All are past SOL. Three months left for 12 months with no lates. We both have only 2 TL's reporting lates in the last 12 months, then it goes to abou two years ago. I would love for the credit analysis line to read something besides History of Payment: BAD. At least DH's says NOT GOOD, I would settle for that.

Re: What do I do first?

Anonymous — Thu, 24 Jul 2008 00:04:20 GMT

Did you call Bellsouth...AT&T...whichever...to see if they will still accept payment...and pull the account out of collections???...or did they sell the accoutn to the CA???...well like Wonderin saud...follow the Hipaa letter for the medical bill...and see what happens....

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