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Yes, you can use the HIPAA letter process for both. Please read the medical collections thread in my sig line.
Begin with the PRE-HIPAA MEDICAL DISPUTE LETTER and send them to the CRAs that are reporting the collections certified mail. Be sure to follow the stationary and font guidelines. If you have questions or updates please post again in this thread. GL!
Yes, you can use the HIPAA letter process for both. Please read the medical collections thread in my sig line.
Begin with the PRE-HIPAA MEDICAL DISPUTE LETTER and send them to the CRAs that are reporting the collections certified mail. Be sure to follow the stationary and font guidelines. If you have questions or updates please post again in this thread. GL!
I saw your posting on HIPAA letter disputing and have a couple of questions.
1) If my medical collections are paid do I still send the Pre-HIPAA Medical Dispute Letter?
2) If not, What do I send?
3) Am I still required to OPT-OUT all Creditors?
4) If I do have to OPT out all creditors, how long after sending in the letters to creditors can I send my dispute letter?
Thanks and I'm looking forward to your reply!
Yours Truly, New to this site-First time posting.
cassavy wrote:I saw your posting on HIPAA letter disputing and have a couple of questions.
1) If my medical collections are paid do I still send the Pre-HIPAA Medical Dispute Letter?
2) If not, What do I send?
3) Am I still required to OPT-OUT all Creditors?
4) If I do have to OPT out all creditors, how long after sending in the letters to creditors can I send my dispute letter?
Thanks and I'm looking forward to your reply!
Yours Truly, New to this site-First time posting.
1) YES
3) It is for your benifit to OP_OUT this way another CA will not pick it up
4) The HIPAA process must be started at the beginning!! And it must be in the correct order!
Op-out and then send the dispute letter to all CRAs reporting. wait until the CRAs notify you that the dispute is conpleted. You do not need to wait after sending the op-out letters.
Hello thanks for reading my message. my score went down from 717 to 645 after 2 med. collections I called the CA and asked for a letter of deletion. They said that this practice was considered credit washing and they don't do that. I hung up and then i read your post regarding HIPPA process. I have a few questions
1. Do i pay the Original Medical agency before I send the letter to the CRA's?
or do I wait until I hear from the CRA's?
Sorry to dig up an old thread... Trying to find the answer and didnt. My situation is that I attempted to contact the medical office that I owed the money to, they say that they SOLD the debt to the CA that is now listed on my CR which means that I CAN NOT pay them, and can only pay the CA... My understanding is that if I pay the CA I'm screwed. The CA refuses PFD. Ideas?
The HIPAA process is based on a bill that has been proposed, but not passed. As such, CA's are under no legal obligation to comply...for now. In fact, here is an update on this very subject: http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Medical-Debt-Responsibility-Act-fingers-cross....
Since the OC has told you the acct has been sold to the CA, you have no choice but to work with them. Whether you pay or not is completely up to you and dependent on your situation. Paying a collection will not change your score (at least that is the experience of those on this forum); however, it could make you look a little better in the eyes of a LO doing a manual review of your credit file. If you do not pay it, you face collectors hounding you indefinitely and a potential lawsuit if it is still within the SOL. If you do pay (without the acceptance of a PFD), you can then send GW letters to the CA and see if you can get it removed that way.