What to do, what to do . . .

[hotpoint]

Hello,

I am requesting help with this medical collection (below).  I disputed this, with the all three CRA back n/07' and it came back as verified.  I called the CA at that time, but they could not find any information (Conflict).  I called the hospital and they still have the debt.  I owe the dedt, but what should I do.  I have received no call from anyone since 04', and I have begun rebuilding my credit and have one CC aging to two yrs.  this month.  My fear is that I will awake a sleeping giant and reage the acct. 

What should I do?

Collection on debt to: Med1 02 Graves Gilbert Clinic

The collection agency "Cbs Col Clrk" was hired to collect a debt of $1,425 originally owed to "Med1 02 Graves Gilbert Clinic" on account number "XXXXXXXXXXXXX8109".

Collection agency [?] Cbs Col Clrk Original balance [?] $1,425 Current balance [?] $1,425 Status [?] Not Reported Date assigned [?] May 04, 2004 Date reported [?] Jun 10, 2004 Date last active [?] Not Reported Date paid [?] Not Reported Date closed [?] Not Reported Original lender [?] Med1 02 Graves Gilbert Clinic Account number [?] XXXXXXXXXXXXX8109 Type of account [?] Not Reported Account holder [?] Individual Type of credit [?] Not Reported Payment status [?] Not Reported Largest past balance [?] Not Reported Amount past due [?] Not Reported Account descriptions [?]

Not Reported

Hotpoint

3.31.09 Trans 640

3.31.09 Eq.    367

. . . . . . Ex     ???

[fused]

Can you afford to pay this debt off in full?

[hotpoint]

Thanks for the reply,

Yes, I can pay the debt n/full, especially since I really do owe the debt.

Hotpoint

[fused]

Have you read the medical collections and HIPAA letter process link in my sig line (its also pinned at the top of this forum)?

[hotpoint]

Yes, I have read your links, but each person has a different situation.  Thanks for your assistance, I'll take another peek or wait for other suggestions . . . thanks

Hotpoint

[fused]

Since you can pay, I would begin the first three steps.

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 deleted, post again in this thread for more advice.

PRE-HIPAA MEDICAL DISPUTE LETTER