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nic's Achievements


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  1. plantiff is a local credit union filed lawsuit against me 12/12/17 for balance of car loan 1/2/18 failed service issued (i moved) 1/8/18 court and plaintiff received writ of discovery via certified mail 1/9/18 my writ of discovery entered into court record 2/2/18 credit union sends letter refusing to reply to enumerated write of discovery with 11 items moved to michigan 6/13/18 mail forwarded 8/2/18 online court records show plantiff filed for voluntary dismissal weird thing is the printout i have from january 2018 shows my writ for discovery printout i retrieved july 2020 does not show this 7/20 began working on my credit looked up court records found case was closed voluntary dismissal by plantiff, court record now showed no record of my writ of discovery on case records i still have the original record that shows entry of writ by court i printed on 1/31/18 and copy of letter signed by credit union legal dept refusal to comply with discovery car loan was linked to credit card, they sent files to two or three different lawyers all of whom got c/d letters and never heard from again when i began asking for specifics on the collection. account is still listed under OC on my credit reports, reporting as late and charged off every month- is this even legal? they repoed my car twice ( i was ill and unable to work) each time they took days to respond to request for information on my car, when the car was repoed in jan 2018 the agent blocked the door to my mothers home not letting me leave and snatched the keys from my hand. car loan was attached to credit card on my credit report after repo. i cannot find anywhere in the account disclosures that states they can do this. what reason would they have other than fraud to not supply discovery when they filed the lawsuit? what options do i have here? even though it was closed they have tried to come after me and its affecting my credit i have all the original disclosures for all my accounts with them, letters, certified mail receipts faxes, emails, everything I was sent or sent to them i still have. any help is appreciated.
  2. I know the individual physicians can and do bill separately, I guess I was just trying make it clear that they sent it into the collections before the HCAP even was processed and i could see the final bill to even attempt to make a billing arrangement on any balances and what not. It has been reported as negative information on my CR, and I have the returned letter unopened, that I sent requesting validation of the debt. I also located 2 phone numbers online and theyre not active and yelp lists them as closed. I guess my next step is to just dispute it with the bureau(s)? The agency cant validate a debt if theyre closed..... thanks or the responses everyone.
  3. I was treated in the emergency room without insurance but received HCAP, basically charity forgiveness. when youre broke but not broke enough for medicaid. It took the hospital over 90 days to approve the "coverage" so the attending physician services billed me. I made them aware I was applying for the HCAP and waiting for approval. the day i received my HCAP approval I got my first collection agency letter. of course they refused to even listen to what I was saying and the physicians group wouldnt even review the HCAP letter despite the hospital showing a zero balance. I understand individual drs can bill separately, they just never even attempted to receive payment under the HCAP before collections. I sent a letter to the agency listed as having the account for debt validation and the letter was returned as attempted-not known- unable to forward. Yelp shows the business as closed and this is the only agency showing ownership of the account on my CR. Any suggestions on what to do next? Not familiar with medical debt, any help is greatly appreciated
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