topic Re: Can I combine HIPA letters? in Rebuilding Your Credit

Can I combine HIPA letters?

Anonymous — Tue, 10 Mar 2009 00:48:35 GMT

I have two collections, one paid, one unpaid. They are with the same CA, and the same OC. Can I send one letter to the OC using instert A, AND insert B, along with the payment for A? Or should I send two seperate letters? Thanks!

Re: Can I combine HIPA letters?

fused — Tue, 10 Mar 2009 01:42:19 GMT

Write two seperate letters, but you can use one envelop. I see you want to send the the HIPAA letters to the OC. So, I'm assume you have done the following: opted-out with the CRAs and all of your creditors that you are in good standing with, updated your personal info on your credit reports and sent this letter to CRA(s) certified mail.

PRE-HIPAA MEDICAL DISPUTE LETTER

Did the CRA(s) verify? And, did the collection agency mail you a complete and accurate validation of both med collections?

Re: Can I combine HIPA letters?

Anonymous — Tue, 10 Mar 2009 01:49:24 GMT

I opted out and updated personal info. I did not send the letter to the CRAs. Do I need to do that even if I am not really disputing them? I mean, I know they are real. Thanks for the help.

Re: Can I combine HIPA letters?

fused — Tue, 10 Mar 2009 02:10:17 GMT

Yes, the HIPAA letter process begins with this letter PRE-HIPAA MEDICAL DISPUTE LETTER , and its a must. In most cases, writing the HIPAA letter to the OC should only be done if the CRAs verify the collection AND the CA sends you a complete validation.

Re: Can I combine HIPA letters?

PayingTheBills — Tue, 10 Mar 2009 02:14:23 GMT

The HIPAA Process is tedious, but every step is important. I can personally attest to the fact that it works as prescribed in the thread written by HappyDays, I've already gotten one of my three medical collections off my CR.

Re: Can I combine HIPA letters?

fused — Tue, 10 Mar 2009 02:25:10 GMT

PayingTheBills wrote:
The HIPAA Process is tedious, but every step is important. I can personally attest to the fact that it works as prescribed in the thread written by HappyDays, I've already gotten one of my three medical collections off my CR.

Did you write the pre-HIPAA letters first, or did you just send the HIPAA letter to the OC first?

Re: Can I combine HIPA letters?

Anonymous — Tue, 10 Mar 2009 02:27:18 GMT

I have not sent any letters yet. I just did step 1 and step 2.

Re: Can I combine HIPA letters?

PayingTheBills — Tue, 10 Mar 2009 02:46:11 GMT

@fused wrote:

Did you write the pre-HIPAA letters first, or did you just send the HIPAA letter to the OC first?

I wrote the pre-HIPAA letters first, here's a link to my thread so we don't threadjack. You'll recognize it because you're in it a couple times.

My HIPAA Experience

Re: Can I combine HIPA letters?

fused — Tue, 10 Mar 2009 02:51:01 GMT

Ah, yes, I remember now.

Re: Can I combine HIPA letters?

Anonymous — Tue, 10 Mar 2009 02:58:06 GMT

Making more sense now.. thanks for sharing your experience. Good to see others found it somewhat confusing at first.

Thanks and good luck!

Re: Can I combine HIPA letters?

PayingTheBills — Tue, 10 Mar 2009 03:00:47 GMT

The first time I read it, I thought it would never make sense. Came back a week later and read it again and again until it started to click.

Persistence, patience, and a little luck, we'll both be in the 700's soon enough.