topic Re: CA will not pay for delete. Hipaa process question! in Rebuilding Your Credit

CA will not pay for delete. Hipaa process question!

Anonymous — Tue, 10 Jan 2017 17:59:22 GMT

Im in the process of doing pay for delete on some collections I currently have on my report. Of the 5 collections I have I have. 4 CA have settled by sending me pay for delete letters on their letterhead. However, the last one Law Offices of Mitchell D. Bluhm & Associates, LLC in the amount of $385 (medical collections) will not do pay for delete but will mark account as settled. I denied their offer. Now I know that there is a way to get this off my credit report with some type of Hipaa law process. Can anyone break down this process for me to get this removed from my report. It is the last one I need to go bye bye so I can buy a house within the next year. PLEASE HELP!!

Re: CA will not pay for delete. Hipaa process question!

gdale6 — Tue, 10 Jan 2017 18:16:40 GMT

@Anonymous wrote:
Im in the process of doing pay for delete on some collections I currently have on my report. Of the 5 collections I have I have. 4 CA have settled by sending me pay for delete letters on their letterhead. However, the last one Law Offices of Mitchell D. Bluhm & Associates, LLC in the amount of $385 (medical collections) will not do pay for delete but will mark account as settled. I denied their offer. Now I know that there is a way to get this off my credit report with some type of Hipaa law process. Can anyone break down this process for me to get this removed from my report. It is the last one I need to go bye bye so I can buy a house within the next year. PLEASE HELP!!

Im sorry the process cannot be discussed on any forum of myFico all we can do is suggest you contact its creator for help. I will give you the order that you should follow for medical collections. Welcome to the board

For unpaid medical debt that is reporting on your CR:

1. Call the OC and see if you qualify for Charity Care
2. If not then ask that they recall the collection in exchange for full payment
3. Send the reporting CA a PFD offer
4. Google the HIPAA Process and contact its creator for help

Re: CA will not pay for delete. Hipaa process question!

Anonymous — Tue, 10 Jan 2017 18:18:55 GMT

i apologize for breaking the rules. New here and i appreciate the response. thank you. cheers

Re: CA will not pay for delete. Hipaa process question!

gdale6 — Tue, 10 Jan 2017 18:26:43 GMT

@Anonymous wrote:
i apologize for breaking the rules. New here and i appreciate the response. thank you. cheers

No problem and I hope you can get this settled.

Re: CA will not pay for delete. Hipaa process question!

Anonymous — Tue, 10 Jan 2017 18:52:27 GMT

Original creditor claims I cannot pay them at all due to the debt being bought buy a CA. Now im confused big time.

Re: CA will not pay for delete. Hipaa process question!

rmduhon — Tue, 10 Jan 2017 19:09:44 GMT

If the debt was bought by the CA then you have to deal with them. The OC can not take a payment. It would be different if the OC just assigned collection authority to the CA.

Re: CA will not pay for delete. Hipaa process question!

Anonymous — Tue, 10 Jan 2017 19:13:03 GMT

So if ca refuses pay for delete I'm screwed then?

Re: CA will not pay for delete. Hipaa process question!

rmduhon — Tue, 10 Jan 2017 19:16:03 GMT

You basically have 3 choices that I'm aware of: Pay anyway and start sending GW letters, ignore it (and hope you don't get sued if it's still in SOL) or try the HIPAA method.

Re: CA will not pay for delete. Hipaa process question!

Anonymous — Tue, 10 Jan 2017 19:17:23 GMT

I'm curious as to how to use the hipaa method if I can't pay oc.

Re: CA will not pay for delete. Hipaa process question!

rmduhon — Tue, 10 Jan 2017 19:19:34 GMT

I really don't know anything about it. All I can suggest is to Google it and see how it works.

Re: CA will not pay for delete. Hipaa process question!

Anonymous — Tue, 10 Jan 2017 19:22:11 GMT

Thank you

Re: CA will not pay for delete. Hipaa process question!

gdale6 — Tue, 10 Jan 2017 19:22:55 GMT

@Anonymous wrote:
So if ca refuses pay for delete I'm screwed then?

Not necessarily, medical debt typically is not sold by the OC and they just hire CAs to collect whats due, I would call the OC verify they still own and if so see if they will recall the collector in exchange for immediate full payment.

Re: CA will not pay for delete. Hipaa process question!

Anonymous — Tue, 10 Jan 2017 19:23:01 GMT

I did just call the oc and I was told I cannot pay them directly because it was bought by collection agency.

Re: CA will not pay for delete. Hipaa process question!

gdale6 — Tue, 10 Jan 2017 19:24:05 GMT

@Anonymous wrote:
I did just call the oc and I was told I cannot pay them directly because it was bought by collection agency.

Wow, ok then you have to deal with whomever the CA is or their hired agent.

Re: CA will not pay for delete. Hipaa process question!

Anonymous — Wed, 11 Jan 2017 05:03:48 GMT

(DISCLAIMER- These are just my thoughts. I am NOT giving legal advice. Research this stuff on your own before taking any action.)

Something sounds fishy here. If the debt actually is medical debt, it cannot be sold to a CA. It would have to be itemized to make it valid and THAT would violate HIPAA. Your medical records can't be viewed by a third party without your written consent. If it were me, I'd ask the CA for Debt Validation. There are a couple of sample request letters online. You do have a right to that info. If they don't have all their ducks in a row, they will probably be VERY willing to work with you at that point.

Is it possible that this debt is simply a form of payment used to cover a medical bill? Such as Care Credit? If that's the case, it's simply unsecured debt. The itemization only needs to list the medical facility. You would be at the mercy of the CA at this point.

Re: CA will not pay for delete. Hipaa process question!

Anonymous — Wed, 11 Jan 2017 19:55:37 GMT

@Anonymous wrote:
I did just call the oc and I was told I cannot pay them directly because it was bought by collection agency.

Google the HIPAA Letter Process follow it exactly as laid out. If you have problems finding the website or any questions PM me.