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Hi there! A few question for you.
Can you afford to pay these med collections in full if you have to?
Are these collections the result of hospital, doctor or dentist bills?
Have you taken any action on these collection, such as letters, phone calls, and to whom?
Because the HIPAA process can only be used for paid medical. I would start making small payments (whatever you can afford) to the hospital. Start with only 1 account amount and pay each month until PIF. After it is PIF start the HIPAA process for that 1 account.
Then start making payments on the 2nd account.
Remember each bill has it's own account #. On each check write the account # and use the complete restrictive endorsment!!
Do NOT contact the CA that is reporting!
Also the amount owed is what the hospital says NOT what the CA may report. Some CAs will add all kinds of fees. You do not need to pay these fees.