topic Re: Outlined HIPAA Process? in Rebuilding Your Credit

Outlined HIPAA Process?

Anonymous — Thu, 19 Apr 2012 13:32:51 GMT

I have a co-worker who is trying to get a consolidation loan to get all her credit cards to 0, get rid of her ghastly interest payments on those cards and just funnel everything into one monthly payment.

Unfortunately, she had a medical collection pop up on her account last year.

She thought she had gotten the OC to agree to delete. They didn't, they just switched to "Paid as Agreed in Full" (or whatever they label it as).

I don't know too much about the HIPAA process, and I've tried using the search function within the forums to find a specific post that maybe has the steps to it.

Can anyone provide a link or basic information on what she should do next?
It's her only collection left on her report and she wants to get this taken off. Is this possible through the HIPAA process?

I have no experience with this at all, so any help, links, info, outlines are greatly appreciated.

Re: Outlined HIPAA Process?

rckstrscott — Thu, 19 Apr 2012 13:41:29 GMT

@Anonymous wrote:
I have a co-worker who is trying to get a consolidation loan to get all her credit cards to 0, get rid of her ghastly interest payments on those cards and just funnel everything into one monthly payment.

Unfortunately, she had a medical collection pop up on her account last year.
She thought she had gotten the OC to agree to delete. They didn't, they just switched to "Paid as Agreed in Full" (or whatever they label it as).

I don't know too much about the HIPAA process, and I've tried using the search function within the forums to find a specific post that maybe has the steps to it.

Can anyone provide a link or basic information on what she should do next?
It's her only collection left on her report and she wants to get this taken off. Is this possible through the HIPAA process?
I have no experience with this at all, so any help, links, info, outlines are greatly appreciated.

Discussing the HIPAA process on the forum in any great detail violate the Terms and Services of the forum, which is why the details are iffy on this forum.

There are people on here who have the information, and they will probably PM you the informaiton

-scott

Re: Outlined HIPAA Process?

Anonymous — Thu, 19 Apr 2012 13:44:54 GMT

Ahh, gotcha, I had no idea about that. Goes to show how "in the dark" I am about the whole process.

If anyone would like to PM me details, go for it, I definitely wouldn't want to violate any T&S on the forum.

Thanks for letting me know, Scott!

Re: Outlined HIPAA Process?

MarineVietVet — Thu, 19 Apr 2012 18:22:11 GMT

@Anonymous wrote:
Ahh, gotcha, I had no idea about that. Goes to show how "in the dark" I am about the whole process.
If anyone would like to PM me details, go for it, I definitely wouldn't want to violate any T&S on the forum.

Thanks for letting me know, Scott!

It's a legal concern why specific details can't be discussed here and I can't really go any farther about it. There is information out on the internet about this if you want to start searching.

Re: Outlined HIPAA Process?

2NE1 — Fri, 20 Apr 2012 01:23:27 GMT

@Anonymous wrote:
I have a co-worker who is trying to get a consolidation loan to get all her credit cards to 0, get rid of her ghastly interest payments on those cards and just funnel everything into one monthly payment.

Unfortunately, she had a medical collection pop up on her account last year.
She thought she had gotten the OC to agree to delete. They didn't, they just switched to "Paid as Agreed in Full" (or whatever they label it as).

I don't know too much about the HIPAA process, and I've tried using the search function within the forums to find a specific post that maybe has the steps to it.

Can anyone provide a link or basic information on what she should do next?
It's her only collection left on her report and she wants to get this taken off. Is this possible through the HIPAA process?
I have no experience with this at all, so any help, links, info, outlines are greatly appreciated.

I'm a HIPAA expert! I got 7 unpaid collections deleted off my three reports! check your inbox for more info!

Re: Outlined HIPAA Process?

JonRun — Tue, 01 May 2012 00:35:21 GMT

Could you pm me the info? I have a medical collection I would like to take care of. Thanks

Re: Outlined HIPAA Process?

Anonymous — Tue, 01 May 2012 00:41:02 GMT

I would like that information as well please.

Re: Outlined HIPAA Process?

RobertEG — Tue, 01 May 2012 00:44:33 GMT

The HIPAA process is based on a legal interpretation of the statute, not an explicit provision of statute.

The basic underpinning of the process is an argument that, while medical information can permissibly be retained by parties collecting on a medical debt, once the debt is paid, that permissible purpose is gone, and thus requires deletion of any such retained information.

It is not discussed because it is not an explicit provision of statute, and thus is a legal interpretation reserved for members of the bar.

If and when case law affirms the legal validity of the underpinning assumption, there should be no reason to not discuss openly. But precedential case law does not currently exist.

Re: Outlined HIPAA Process?

2NE1 — Tue, 01 May 2012 01:07:03 GMT

Messages sent! pls check your inbox!

Re: Outlined HIPAA Process?

Anonymous — Tue, 01 May 2012 02:10:38 GMT

Could you PM me, as well?

Re: Outlined HIPAA Process?

proudnavymom — Tue, 01 May 2012 02:42:37 GMT

Could you PM me the information as well? I have quite a few medical collections that I would like to get deleted.

Re: Outlined HIPAA Process?

mompreneur1 — Tue, 01 May 2012 04:12:33 GMT

@2NE1 wrote:
@Anonymous wrote:
I have a co-worker who is trying to get a consolidation loan to get all her credit cards to 0, get rid of her ghastly interest payments on those cards and just funnel everything into one monthly payment.

Unfortunately, she had a medical collection pop up on her account last year.
She thought she had gotten the OC to agree to delete. They didn't, they just switched to "Paid as Agreed in Full" (or whatever they label it as).

I don't know too much about the HIPAA process, and I've tried using the search function within the forums to find a specific post that maybe has the steps to it.

Can anyone provide a link or basic information on what she should do next?
It's her only collection left on her report and she wants to get this taken off. Is this possible through the HIPAA process?
I have no experience with this at all, so any help, links, info, outlines are greatly appreciated.
I'm a HIPAA expert! I got 7 unpaid collections deleted off my three reports! check your inbox for more info!

Please PM me this info as well. I have several medical collections I'd like to get removed. Thank You!

Re: Outlined HIPAA Process?

Anonymous — Tue, 01 May 2012 05:32:06 GMT

Me too!!

Re: Outlined HIPAA Process?

traveler2005 — Tue, 01 May 2012 05:52:31 GMT

could you PM me the info please and thank you

Re: Outlined HIPAA Process?

Anonymous — Tue, 01 May 2012 10:07:03 GMT

@RobertEG wrote:
The HIPAA process is based on a legal interpretation of the statute, not an explicit provision of statute.
The basic underpinning of the process is an argument that, while medical information can permissibly be retained by parties collecting on a medical debt, once the debt is paid, that permissible purpose is gone, and thus requires deletion of any such retained information.
It is not discussed because it is not an explicit provision of statute, and thus is a legal interpretation reserved for members of the bar.
If and when case law affirms the legal validity of the underpinning assumption, there should be no reason to not discuss openly. But precedential case law does not currently exist.

The truth is, the 'HIPAA process' as you call it, is neither legal nor ethical. That is the reason the reason it is not allowed to be discussed on here, openly.

When I first came here over 3 years ago, it was promoted openly like a magic bullet and I thought I found something that might help my reports. However, with some basic research it was clear that it was, to put it mildly, not legitimate. You say the legal interpretation is 'reserved for members of the bar', but I can tell you it that it takes only a 5th grade education and 5 minutes of reading to interpret - the laws are very plainly and concisely written.

I have had some heated discussions on here in the past about this - you can check my past posts if you're curious. Why? Because when I came here, I was hoping to find some good, credible information from an ethical and reliable source to help me rebuild my credit - and then I found that. I am SO glad that the powers that be put an end to that and kept these boards a reliable and, in my opinion, a professional source of information. All that invalid advice does is poison the well, and then you have to question ANY advice that is given...

Does this 'HIPAA process' work? Sure - many have had items removed by using it. Can you increase your income by robbing your Grandma's purse when she's sleeping? Sure... Is this 'process' legitimate or valid? Absolutely not.

Thanks so much to the myFICO powers that keeps these boards in check. This remains really a great place to come for reliable and legitimate information and credit products, which is why I have referred countless people here to seek information and make purchases, and why I continue to use these services as well.

Re: Outlined HIPAA Process?

RobertEG — Tue, 01 May 2012 12:35:40 GMT

I cannot disagree in basic premise, but that would only be my intepretation of an interpretation......

I would only disagree with the statement that the so-called HIPAA process is illegal.

Keeping to the premise that the boards should stick to the facts and law, I know of no party convicted for pursuit of the process.

Ergo, no finding of illegality.

It is reliance on an unproven process that deserves caution to the user, not the fear of its illegality.

To those who pursue it, the best of luck.

Re: Outlined HIPAA Process?

Anonymous — Tue, 01 May 2012 13:06:39 GMT

@RobertEG wrote:
I would only disagree with the statement that the so-called HIPAA process is illegal.
Keeping to the premise that the boards should stick to the facts and law, I know of no party convicted for pursuit of the process.

While I don't want to go into a debate with you on what's technically 'legal' or not, simply because you or I know of nobody 'convicted' of using the process, I could argue that it surely violates some laws (probably civil) to threaten an individual or company based on inaccurate accusations. But again, I care not to re-debate the subject.

Let me re-classify to make it more simple: The so-called 'HIPAA process' is blatantly frivolous, to say the least.

Re: Outlined HIPAA Process?

Anonymous — Tue, 01 May 2012 15:02:36 GMT

I'm confused... Ok, maybe playing devils advocate, and I do NOT know this process or understand it completely, but....

A doctors office allows 30 days for the insurance company to pay a claim..

Insurance Company has some issues and must "investigate" so the claim is not paid..

The bill is then sent straight to a collection agency.

The collection agency either sends you a dunning or not (because as we all know, many of them do not do what they are supposed to).

It shows as a negative on your credit report and drops your score.

60 days later, your insurance pays the bill but the collection agency continues to collect or marks the entry as paid, but the negative information remains on your account.

Thus the HIPAA process...Something that can provide relief to the consumer for a crappy process and industry...

And, I thought it only worked if your debt was paid?

Re: Outlined HIPAA Process?

Anonymous — Tue, 01 May 2012 15:19:11 GMT

@Anonymous wrote:
I'm confused... Ok, maybe playing devils advocate, and I do NOT know this process or understand it completely, but....

Thus the HIPAA process...Something that can provide relief to the consumer for a crappy process and industry...

And, I thought it only worked if your debt was paid?

The fact that it is sometimes effective and can provide the consumer relief for a crappy industry is really irrelevant in terms of its legitimacy. As you read these boards you will see COUNTLESS instances where valid derogatory items have been deleted simply by disputing the entire list - for no good reason....

You can dispute ANY item on your CR with or without a legitimate cause - sometimes they just delete them for lack of... whatever.

The 'HIPAA process' is frivolous.

Re: Outlined HIPAA Process?

Lilybuggy — Tue, 01 May 2012 15:36:32 GMT

Well, I think I'll let the CRA judge whether my HIPAA dispute is frivolous. Could you please PM the HIPAA process as well?I found another site, but it's a little confusing to me.