Here is where I stand to date. I followed the advice of those on this forum and mailed a MED DV letter to the CA. I sent the all three letters in one envelope CMRRR. I mailed the letters out on APRIL 28th. I tracked the letter online and confired delivery on April 30th. I was out of town until yesterday and when i got home May 6th the green card was in the mail. Great!
I typed out the follow up dispute letters to the CRA's today and there ready to go. However today in the mail I received a letter from the CA. The letter states the " CAs requested please find enclosed is documentation regarding the account above- mentioned delinquency"
What they sent me was a Patient Receipt for for a Doctor that i did see back in 2003/2004. The receipt has and C**** ENT ASSociates (docotrs office)listed on the letter head and then in the top Descripton it has my name/ Doctor H. The receipt has dates and medical descriptions, Fees, Units, insurarce and patient. It has all procedures listed back to when i first went to this Doctor H. and the amounts covered by insurace and what wasnt covered i guess. The receipt shows that my last payment was 4/21/2004. The recepit states that i owed the OC 364.97 and then in pen they wrote 182.48 (fee) total $547.45 No where does it have the docors name that is being reported on my credit reports.
Questions.
1. What do you think is my next step? Should i send out the follow up dispute letters to the CRA's (Med DV Followup) or is it time to pay in full along with the HIPAA letter to the OC and if so do i pay the amout the OC says I owe or the amount being reported.
2. Is this all the information reqested? I thought that they were suppose to send te following info requested. Should I have recieved this information along with this receipt.
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt.
Please attach copies of: Agreement with your client that grants you the authority to collect on this alleged debt,or proof of acquisition by purchase or assignment. Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization.
3. Why is there one Doctors name on the receipt and another my credit reports.
4. Can the CA charge this high of a Fee. I still feel as they have showed no proof that they are authorized to collect this debt. This is just a print off of an invoice. Any info you can give would be great again thank you for your help.
5. Should i pay the amount the OC says I owe or the amount the CA says i owe?
Message Edited by jabberwockysrage on 05-18-2009 01:36 PM
