MEDICAL BILL HELP PLEASE

[Anonymous]

Hi everyone, can I please get some advise?

Ok here is the summary:

I have 4 unpaid medical bills/account.

One CA shows they have all four accounts. MDS (Medical Data Systems)

2 are from 2006

2 are from 2001

Only one account from 2006 is listed on all 3 CR

Also one other CA shows having one of the accounts from 2001. I have disputed with all 3 CRS and first response back from EX was that it should remain on my file.

So my questions are

Do I need to pay the accounts from 2001 or will they pop up on my report if another CA gets hold of them?

How can EX leave the collection on my file that 2 CA have at they same time? I have given them proof it is the same account.

If I pay the two 2006 accounts to MDS can they post the 2001 accounts to the CR?

Thanks for your time!

[Schoolbuskid]

We are no longer allowed to discuss the "hipaa process" . You should try googling "hipaa/hippa process"  or "hipaa/hippa letter program". Good Luck!

[Schoolbuskid]

You should find out what the DOFD is and SOL for your state. The accounts from 2001 seem like they are too old to be reported. I would only worry about paying the accounts from 2006, and not 2001.  I will say in order for you to be covered under HIPAA you will need to pay all medical debts. Good luck!

[Anonymous]

Do you have proof of the date of first delinquency for the 2001 debt? 

and HIPAA process is the best answer for your 2006 stuff.  Or check out Noah Bodie's .sig for medical collection stuff separate from the HIPAA process. 

[llecs]

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@Schoolbuskid wrote:

We are no longer allowed to discuss the "hipaa process" .

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It can be discussed, but unfortunately others outside myFICO claim ownership of certain letter samples and we don't post those in here. It's kinda tough to offer advice on what to send if we can't post what to send. I'd discuss HIPAA process myself but it's rather dry, if you know what I mean. IMO, following the traditional DV-PFD route works well too.

[Anonymous]

Speaking to my experience (limited as it is), I had no luck with offering PFDs for my medical stuff, and the HIPAA process doesn't necessarily work if you talk to the CA at all.

My OC would accept payment for the more recent collections, but for the older ones they directed me to the CA.  I am currently waiting on the responses from EQ and EX to my pre-HIPAA letter (no link, sorry, have to google).  TU deleted all of them with just the pre-HIPAA letter.  So far, I'd say HIPAA is more successful for me personally.   

[Anonymous]

See the link in my sig.

[Anonymous]

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@llecs wrote:

It can be discussed, but unfortunately others outside myFICO claim ownership of certain letter samples and we don't post those in here.

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Can we use the call sign or handle of the person most associated with it?

[llecs]

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@Anonymous wrote:

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@llecs wrote:

It can be discussed, but unfortunately others outside myFICO claim ownership of certain letter samples and we don't post those in here.

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Can we use the call sign or handle of the person most associated with it?

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Mentioning whychat is OK, but any links would have to be omitted.

[Schoolbuskid]

Gotcha!