topic I need advice in Rebuilding Your Credit

I need advice

Anonymous — Fri, 22 May 2009 21:57:08 GMT

So after making a complaint to the BBB about JL Walston and Associates, they finally send me verification of a debt. No problem. I will send them a PFD letter.

But, in this verification of this debt, they have attached another debt- medical for my son. I am so confused about it. The address that the doctor actually billed to is incorrect, but the verification looks like a faxed print out from the hospital that actually has a due date of 6/11/2009.

Now as much as I am going forward, I dont want to go backwards. THe debt is for $43.86. I do not believe they are reporting on my report, and I do not want them to.

How do I go about getting this taken care of ASAP?

I am so angry right now, because I have an account at the hospital for both my sons and myself. It doesnt take a genius to tie in the social and attach all accounts to me. How in the world would you send this to the wrong address, but all other bills come to me, is BEYOND me.

Any advice would be greatly appreciated.

Re: I need advice

Anonymous — Sun, 24 May 2009 12:36:07 GMT

Anyone?

Re: I need advice

Anonymous — Sun, 24 May 2009 17:25:24 GMT

Should I do a PFD to the CA, pay the OC directly, or wait until they report and then follow the HIPPA process?

Message Edited by MrsQ on 05-24-2009 01:25 PM

Re: I need advice

Anonymous — Mon, 25 May 2009 14:35:21 GMT

So, because of the implications regarding the medical board, the mods are no longer able to give advice on this topic? I'm just putting 2 and 3 together based on other posts.

Re: I need advice

nothingman02 — Mon, 25 May 2009 14:42:04 GMT

You can still get advice. You'd have to wait for them however. Its monday morning!

Re: I need advice

203bravo — Mon, 25 May 2009 15:37:59 GMT

Even though 2 creditors sent your accounts to the same CA, they will issue a new account number in their office and everything is processed via that file. These are 2 separate debts and shold as handled as such.

For the medical debt - if you have the money to PIF then call the provider and request them to get the account back.. Many of the contracts that providers have with outside CAs is that even if the debt is paid to the OC, the CA still gets their commission. The theory is valid.. many time borrowers often get things cleared up once the CA starts getting involved - so the payment has a direct relationship to their efforts.

That's the reason many OCs refer you to CAs after they have been referred. However, they can call the debt back and let you handle it that way.

Follow all the advice step by step for the HIPAA process - careful attention to detail at the onset, makes it that much easier and faster on the back end.

Message Edited by 203bravo on 05-25-2009 10:37 AM

Re: I need advice

Anonymous — Tue, 26 May 2009 13:06:10 GMT

@203bravo wrote:
Even though 2 creditors sent your accounts to the same CA, they will issue a new account number in their office and everything is processed via that file. These are 2 separate debts and shold as handled as such.

For the medical debt - if you have the money to PIF then call the provider and request them to get the account back.. Many of the contracts that providers have with outside CAs is that even if the debt is paid to the OC, the CA still gets their commission. The theory is valid.. many time borrowers often get things cleared up once the CA starts getting involved - so the payment has a direct relationship to their efforts.

That's the reason many OCs refer you to CAs after they have been referred. However, they can call the debt back and let you handle it that way.

Follow all the advice step by step for the HIPAA process - careful attention to detail at the onset, makes it that much easier and faster on the back end.
Message Edited by 203bravo on 05-25-2009 10:37 AM

No, I mean I have 3 accounts with the same OC- Duke Hosipital. When filling out forms, I am the guarantor for all 3, so if they punch in my SS#, I would assume they could find me. All other bills were coming to me with no problem except this one.

I will call the OC today and see if they can get this back.

Do I need to ask them for something in writing first?

Or if I pay them, can I use the receipt in the future?

Re: I need advice

BungalowMo — Tue, 26 May 2009 13:11:47 GMT

From the sounds of it, that CA has attached a bill to the original that has yet to be put to collections? That June dated bill...is that something you can pay directly to the hospital & tell them to call the dogs off????

Re: I need advice

Anonymous — Tue, 26 May 2009 13:13:12 GMT

@BungalowMo wrote:
From the sounds of it, that CA has attached a bill to the original that has yet to be put to collections? That June dated bill...is that something you can pay directly to the hospital & tell them to call the dogs off????

Yes, I am willing to do that. Do I need to get it in writing first, or will a phone call and payment over the phone do?

They always send a receipt when I pay any of my past medical bills over the phone.

Re: I need advice

BungalowMo — Tue, 26 May 2009 13:17:47 GMT

@Anonymous wrote:
@BungalowMo wrote:
From the sounds of it, that CA has attached a bill to the original that has yet to be put to collections? That June dated bill...is that something you can pay directly to the hospital & tell them to call the dogs off????
Yes, I am willing to do that. Do I need to get it in writing first, or will a phone call and payment over the phone do?
They always send a receipt when I pay any of my past medical bills over the phone.

I would call them and inquire first about theway this bill was sent. Make sure they have the same/correct mailing address foryou and your sons. If you've done it in the past with no problem, let them know you'd like to pay by phone, but let them know you'd also be very interested in taking care of that other bill directly with them, not a CA.

I don't know anything about the HIPPA process, so if that is the way to go with that original bill, take someone elses advice. But I still think working directly with the OC is always better than adding a CA to the mix!

Re: I need advice

Anonymous — Tue, 26 May 2009 13:21:31 GMT

Thank You!

Re: I need advice

Anonymous — Tue, 26 May 2009 13:32:07 GMT

Well, I just talked to the OC and they said they would pull it back from the CA. I almost hung up because when the customer service rep answered the phone, she sounded as if she had better things to do, then help me. She said they had just sent it over, so it wouldnt affect my credit. I asked her again if they could pull it back. She said no problem.

The bill is now paid in full and my address corrected in their system.

*sigh...

Thanks guys!

Re: I need advice

BungalowMo — Tue, 26 May 2009 13:36:25 GMT

Excellent!!! So even that first issue you wrote of is ok???

Glad to hear that it worked out!

Re: I need advice

Anonymous — Tue, 26 May 2009 13:40:37 GMT

@BungalowMo wrote:
Excellent!!! So even that first issue you wrote of is ok???

Glad to hear that it worked out!

Yes! Thank You. I am relieved.

It was like I felt someone was physically pulling me away from my dream of being a homeowner.