HIPPA Variant: Which amount do I pay???

[UpandUp]

I've read the HIPPA threads and have followed the initial 3 steps.  Today I received from the CA, validation of the debt. My next step is to send letter to OC with payment, however...

1. CA has (2) accounts from same provider. One is old (2000) and not reporting, the other is reporting since (2007)

  - Will I have to pay for both accounts within the HIPPA process to get the removal, or can I address the one that's

     reporting?

2. In either case the balance contains principal and interest.

   - Do pay OC only the principal, or balance with interest?

[fused]

When you say the old med collection is 2000, do you mean from that year?

[UpandUp]

yes, year 2000 (old)  and 2007

[fused]

Can you afford to pay both in full? Have you read the med collections and HIPAA letter process in my sig line?

[UpandUp]

Yes, I can afford to pay both in full, and yes, I have read the Hippa thread from Happy Days... But don't recall seeing anything about principal and interest when paying in full.

[fused]

CAs can and do tack on interest. What ever you do, do not pay the CA. Lets even see if you even have to pay these collections. Here are the first few steps in the HIPAA letter process.

1.) Opt Out of two things: Your Credit Reports and All Creditors. The first one ensures that the CRAs will not sell your personal data to anyone else (haha…no more data mining). The second one will prevent JDBs (and CAs) from buying and selling bogus collections.

Use this link to opt-out of your credit reports

OPT-OUT CREDIT REPORTS (or call 1.888.567.8688)

Use this link to opt-out from all of your CURRENT creditors that you're in GOOD standing with. Do not attempt to opt-out with any CAs or current creditors that you're in BAD standing with (i.e. charge-offs, or currently late).

OPT-OUT ALL CREDITORS

2.) Also, be sure to update your personal information with the CRA's before attempting to reestablish your credit.

3.) Send the pre-HIPAA dispute letter to the CRA ('s) CM (no RR, this is the only letter in the HIPAA process where you will not send it CMRRR) and wait up to 35 days for the results of the their investigation(s). Be sure to handwrite this letter (and the envelop too) using personalized stationary and teal blue ink. If your med collection is deleted, you're finished. If its not delete, post back in this thread.

PRE-HIPAA MEDICAL DISPUTE LETTER

[UpandUp]

That's just it.  I followed the initial steps ( both opt outs and sent the pre hippa letter to CA)  The original CA replied validating not only the collection that is reporting, but another amount from the same OC. One is from the year 2000 and the other is from the year 2007. 

At this point in the process, I would pick from the scenarios, choose the proper insert and mail that letter with payment to the OC.

However, before doing that I needed to know which amounts to pay (principal and interest), or just principal and can I just address the account that's reporting, or do I need to address both.  Sorry if I wasn't clear initially.

[fused]

Sorry, I must have fallen asleep behind the wheel. Ok, the CA validatde and I assume the CRAs verified too?

[UpandUp]

hehe, no problem.   yes, the CA validated and the CRA verified.

[fused]

Call the OC and find out how is owed to them. If they refuse to tell you and refer you back to the CA, then pay the amount owed to the CA to the OC.

Send the HIPAA letter to the OC CMRRR. Use insert A and pay with a cashier’s check and use the restrictive endorsement on the back of the check, for deposit only into the account of Dr. XXXXX  XXXXX or the Hospital Name) and send it CMRRR.

HIPAA LETTER TO THE OC

Once you receive the green card, send follow-up dispute letter below to the CRA’s CMRRR with a copy of the green card from the HIPAA letter to the OC.

FOLLOW-UP DISPUTE LETTER TO THE CRA