Two Sm Unpaid Medical Collection Accts on CBRs

Anonymous · ‎02-04-2009

This is my first post, so please bear with me as I try to articulate everything appropriately (hopefully, I'm posting in the correct forum).

I currently have two relatively small ($75 & $225 respectively), unpaid medical collection accts on my CBRs. I disputed both with the CRAs in Nov 08 as I believed those accts were PIF to the OC. The following is what was added to the 'remarks' field of their entries: 'Account information disputed by consumer, meets FCRA requirements'.

In Dec 08, I sent both CAs PFD letters. One replied with a bill; I have yet to hear from the other. I have since sent DV letters to both. I received an acct transaction history and a Health Insurance Claim form from one of the CAs. After drudging through boxes of stored financial records/receipts/cancelled checks/etc., I have determined that this is indeed a valid debt. Whereas, I do plan to PIF, I am curious if there's anything that I can do to negotiate a full deletion of this acct from my CBRs. Is a GW letter after I send certified funds appropriate? Should I send one w/my certified funds?

In regards the other acct, since the CA has not responded to my DV letter, what steps should I now take with them or the CRAs?

Once I get these two accts off my CBRs, I should be joining the ranks of the 700 club (or pretty darn close!). Any information/advice would be much appreciated.

~Chris

fused · ‎02-04-2009

Welcome to the forums!

I wish you knew about the HIPAA letter process (the link is in my sig line) before you disputed with the CRAs. You can try for PFDs on the the collections now, or simply pay the OC, if they will accept your payments, then start the HIPAA process.

Since you have already disputed the med collections, and they are marked as already disputed, you will not be successful with the HIPAA process unless something has changed since you last disputed with the CRAs. In your case something would have changed, you paid the collections. I don't think you are dead in the water.

Anonymous · ‎02-19-2009

Thank you kindly for the information. I've reviewed the HIPAA process, opting-out w/the CRAs and all other creditors/accts. I've also ensured my info w/the CRAs are current/accurate. Fortunately, the OC will accept my PIF, so I obtained cashier's checks made out to them. Should I mail the checks/HIPAA letter CMRRR to the OC at this time? I presume so, but I thought it best to confirm before doing so. Please advise. Thanks much!

fused · ‎02-19-2009

You may mail the payment or pay it in person. Be sure to use the restrictive endorsement on the check and DO NOT send the HIPAA letter. Just pay it and get a receipt. Once the check clears, post here and I will advise you on what to do next.

Anonymous · ‎02-19-2009

10-4!

Forgive my ignorance RE restrictive endorsement. Would this verbiage suffice: 'For deposit ONLY by (OC) to (account #)'? Oh...and should I sign my name on the following line? Thx for your timely and informative replies - very much appreciated.

fused · ‎02-19-2009

geminiMoon wrote:
10-4!

Forgive my ignorance RE restrictive endorsement. Would this verbiage suffice: 'For deposit ONLY by (OC) to (account #)'? Oh...and should I sign my name on the following line? Thx for your timely and informative replies - very much appreciated.

What I highlighted is sufficient. You're Welcome!

Anonymous · ‎03-26-2009

Didn't mean to allow this much time to go by w/o getting back on here for further direction. Cashier's checks have cleared; both accts have been PIF. When convenient, please advise what steps should be taken next. Thanks much!

fused · ‎03-26-2009

Are these collections reporting as paid now? Also, are collections marked as "disputed and verified"? When you paid the OC, did you also send them this HIPAA LETTER TO THE OC ?

Anonymous · ‎03-27-2009

In answer to your questions, no, I did not send the HIPAA letter with payment to the OC as advised in one of your previous replies (above). And no, as of today, these accts are still displaying on my CBRs as: ''Account information disputed by consumer, meets FCRA requirements"; it also displays "Subject has not satisfied debt".

fused · ‎03-27-2009

On your report, what is the balance on this med collection?