How do I begin the HIPAA process?

[Anonymous]

I'd like to clear some medical debt on my CR. How/where do I start the process? I've seen the term HIPAA thrown around regarding medical bills. Will that process help me and how does it work? Thanks!!!!!!!!

[Anonymous]

If medical debt is paid  start the process....do not skip a step!!     I would pay all medical debts and then start the process.........I think it is easier that way.  BUT  you can start the process and pay the debt with the OC HIPAA letter.

Never contact a CA reporting a med debt!

When paying a debt make checks payable to the OC  and use the restrictive endorsement on the back of check.

Ask as many questions as you need.....this can be very confusing!

http://ficoforums.myfico.com/fico/board/message?board.id=rebuildingcredit&thread.id=27537

[Anonymous]

wow...ok....what is the OC HIPAA letter? also, What is the restrictive endorsement on the back of the check? You mean the check I write to pay the bill? Furthermore, How do I pay the original creditor if the bill has been in collections for some time and has been placed with a collection agency? thanks!

[Anonymous]

Remember medical debt can not be confused with other debt!!    Most medical providers do not sell this debt. They just assign it to a CA for collections.   I am not sure if it is legal for them to sell it.

The first letter in the process id the disput letter.   The next letter is the OC letter. 

On the front of the check you would write the name of the provider (payee)  On the back of the check....where it is indorsed......you write.....for deposit only into the account * name of the provider*

This way no one but the provider can cash this check!