topic Re: Need Help, Hippa Question in Rebuilding Your Credit

Need Help, Hippa Question

UpandUp — Sun, 15 Mar 2009 06:46:57 GMT

I have read the Hippa process thread and done:

1. 3/7/09 - opted out via "the website"

2. 3/7/09 - mailed opt out letters to all of my current creditors in good standing

3. 3/10/09 - mailed pre hippa letters to the 3 CRAs

While waiting, received a collection letter for a medical collection that is not currently reporting and therefore was not a part of the pre hippa letters. What do I do?

1. The OC is not reporting this

2. The CA is not reporting this

Do I pay, and if so, do I try to get something in writing from the CA that they will not report?

Message Edited by UpandUp on 03-14-2009 11:46 PM

Re: Need Help, Hippa Question

Anonymous — Sun, 15 Mar 2009 16:28:44 GMT

Ignore the CA and make payment to the OC using the restrictive endoresment now!!! What letter??? did it come CMRRR.

A CA can not report until the mail you a letter.

Re: Need Help, Hippa Question

UpandUp — Sun, 15 Mar 2009 17:29:42 GMT

1. The letter came regular mail "... Unless you notify within 30 days that you dispute we will assume this debt is valid..."

2. I contacted the OC by phone, gave them the account number for the bill and was told that the debt had already been transferred to CA and that I now had to deal with CA.

3. If it turns out the answer is to still use a restictive endorsement, is there some sample text of one?

Re: Need Help, Hippa Question

Anonymous — Sun, 15 Mar 2009 17:44:36 GMT

If a letter is not sent CMRRR then there is no proof that it was sent!

Restrictive endorsement is simple...........Payee: Full name of OC. On the back of check: For deposit only into the account of FULL name of the payee

Re: Need Help, Hippa Question

UpandUp — Sun, 15 Mar 2009 17:50:05 GMT

Just to be sure I understand, even though the original creditor told me to only deal with collection agency for this debt via phone:

1. Ignore OC comments

2. Ignore CA letter'

3. Mail payment in full with restrictive endorsement to OC

Re: Need Help, Hippa Question

Anonymous — Sun, 15 Mar 2009 17:55:58 GMT

Yes that is what I would do.

Re: Need Help, Hippa Question

UpandUp — Sun, 15 Mar 2009 19:02:04 GMT

One last quickie. Do I send the payment in CMMRR, or CM, or just regular mail?