Medical Collections for Paid collections

[localuser]

I have two collections on my CR that I am trying to get off (they are the only collections I have).  They were sent to collections and then I paid them off due to loss of job.  1 is for $50 then other is $87.

This morning I called the 24 hour emergency where I was a patient ($87) and they said sorry there is nothing we can do.

I also called the Hospital($50) and she was polite enough to make a note to call back in a week.

Since these are paid I don't think I can use the HIPAA process (please correct me)  Do I send a GW letter to the CA (The places that are actually showing on my report) or do I send it to the local hospital and 24 hour emergency place?  Thanks for any advice.  I have searched the forums but cannot find a clear answer.

[Shogun]

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@localuser wrote:

I have two collections on my CR that I am trying to get off (they are the only collections I have).  They were sent to collections and then I paid them off due to loss of job.  1 is for $50 then other is $87.

This morning I called the 24 hour emergency where I was a patient ($87) and they said sorry there is nothing we can do.

I also called the Hospital($50) and she was polite enough to make a note to call back in a week.

Since these are paid I don't think I can use the HIPAA process (please correct me)  Do I send a GW letter to the CA (The places that are actually showing on my report) or do I send it to the local hospital and 24 hour emergency place?  Thanks for any advice.  I have searched the forums but cannot find a clear answer.

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Who is reporting them on your CR?  That is who you would have to send the GW to.   So if the CA is showing on your report, send them a GW.  I'm not sure on the HIPPA process, never dealt with it and don't discuss it in the forums.

[localuser]

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@Shogun wrote:

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@localuser wrote:

I have two collections on my CR that I am trying to get off (they are the only collections I have).  They were sent to collections and then I paid them off due to loss of job.  1 is for $50 then other is $87.

This morning I called the 24 hour emergency where I was a patient ($87) and they said sorry there is nothing we can do.

I also called the Hospital($50) and she was polite enough to make a note to call back in a week.

Since these are paid I don't think I can use the HIPAA process (please correct me)  Do I send a GW letter to the CA (The places that are actually showing on my report) or do I send it to the local hospital and 24 hour emergency place?  Thanks for any advice.  I have searched the forums but cannot find a clear answer.

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Who is reporting them on your CR?  That is who you would have to send the GW to.   So if the CA is showing on your report, send them a GW.  I'm not sure on the HIPPA process, never dealt with it and don't discuss it in the forums.

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Meade and Assoc. for the $50 and NCO FIN/99 for the $87.  So it is not the hospital and 24 hour emergency.

[Shogun]

No, it's not the hospital or the 24hour/emergency that is reporting to your credit so it would not do any good to send them a GW.  You should send them to the 2 CAs that are currently reporting.  I will give you this glimmer of hope, I have always found GWs to be most effective when dealing with medicals, especially small ones.  Good Luck!

[localuser]

Thanks that is exactly what I needed and will have the GW's in the mail tonight.

[Shogun]

Good for you...  Good Luck...  Hoping to hear of those deletes!

[localuser]

How does this sound?

MY NAME

STREET ADDRESS

CITY, STATE ZIP

Dear Creditor,

Re: Account Numbers and Info

Acct# XXXXXX   Amount $50.00

Dear Sir or Madam,

I am writing this letter in order to request your help and understanding.  I had some immediate health issues in 2010 and received treatment at ABC Hospital and I was not aware my insurance did not cover the full balances.  I then did not have the funds to take care of the accounts so the accounts were sold to your company. I recently pulled my credit and seen it marked as Collections on my reports.  I paid the account as soon as I could, which was sometime in the 4th quarter of 2010.  My wife and I are expecting our first child and could use all the help we can get.  I see the account is showing “Paid” but still are collection accounts and hurting my credit scores.

I would like to request that your company have some mercy on me and please make a “Goodwill Adjustment” and remove the account from the credit reporting agencies.  Your kind gesture would be sincerely appreciated by my family.  I would like to thank you in advance for any help you may provide.  You may contact me through my address above or email at BLAH@FAKEMAIL.COM or by phone at 555-555-5555 (would prefer email).  

Thank you again!

Yours truly,

MY NAME

[Shogun]

Looks great to me... print it, stamp it, send it.   Good Luck!

[localuser]

So say I do not hear anything from them within 10 business days.  Grant it I did not put in a time...AND CRAP my cell number just changed.  How long should I wait to re-write them a letter?  It has been 6 business days since I sent in the letter.

[Shogun]

They'll probably contact you by mail, just give it a little time.