Just because you receive a letter from a CA does NOT mean that it will appear on you CR!!
I get them off and on & pitch them...BUT I know that I do not owe any past debt or if I do that they are past CRTP and SOL.
The letter that you receive should tell you who they are trying to collect for. You might know if & when that bill is from.
IF you are positive that it is not your's or it is past SOL.....send them a simple letter telling them NO phone calls CMRRR do not send this unless you are positive!
Medical bills are handled different from other debt!!!!!!!
To protect your rights under HIPAA, you should not write or correspond with a Collection Agency regarding a medical collection account within SOL.
This process is not applicable if the account is valid and you are unable to pay. The medical claim must either be paid, inaccurate, or you are prepared to remit the valid correct amount due with the HIPAA letter.
The Pre-HIPAA letter is sent to the CRA to dispute medical collection accounts on your CR that are within SOL and are: paid, valid but unpaid, "not mine" or inaccurate.
Dispute a paid medical collection directly with the CRA and they should delete. If not deleted, but verified, send HIPAA letter (Whychat's process - insert b).
Dispute valid but unpaid medical collections because you need the CRA to verify the balance. There may be no valid balance due and the CRA will delete. Only after the CRA has verified and you agree that the amount is correct is the HIPAA letter sent with payment (Whychat's process - insert a). The payment amount should be the same amount as was verified by the CRA and on your CR.
If the medical collection account is "not mine" or inaccurate, you need to have disputed the medical collection listing with the CRA. Only after the CRA verifies and does not delete an invalid or inaccurate medical collection do you send the HIPAA letter (Whychat's process - insert a or b).