Do I still send a DV to a CA When it is Over Thirty Days

[Hope]

Well all,

I have not had much luck dealing with the original creditor. I am still wanting to pay them (oc) with no bite for acceptance of payment.

Now the Ca has stepped up the contacts to me from letters only to automated voice messages on my voice mail. I will not return the call but need to do something before this hits my credit my report. 

I do not know what to do, please help!!!

Hope 

[Anonymous]

I get confused about this process too, but here's what I would do.

Write a check for $167.00 and on the back write "For deposit only for Emergency Physicians LLC" or whatever the OC's name is, make copies of it front and back, and and send it ASAP with a letter stating the account and that it is payment in full. I doubt they won't cash it. Then THEY will have to pay the CA.

CAs really only want to report to make you pay, and if they have been paid, they don't report.

If you do this right now, before it hits your CR, and it DOES hit your CR, then you have copies of your cashed check, or money order and can prove it was paid before it was reported. Then you can start with the HIPAA process. If a debt is paid, it can't be validated, right?

[Hope]

Excellent advice likewise!!!!!

I will make it out right now and send it in the morning.

I hope this works!!!!

I is terrible when youwantto pay someone and they wil not take payment. Really a flawed system!

Thanks Again,

Hope

[Anonymous]

By the way, as far as I can tell, even if you do end up paying the CA, once the bill is paid, because it's a medical debt, it can't be reported. The HIPAA process would still work.