djh11117 wrote:
.They are located in roanoke, virgina
Always deal with the OC if they still own the account!!
If both are medical collections....call the OC and ask if they OWN the account. Do not contact the CA.
Are you within SOL?
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).
Search for the HIPAA letter. The site has the correct letters & who and when to send them!
NEVER sign anything going to a CA!!! even these letters! just type your name
