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About NewBeginning16

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  1. Update: the hospital is in deep doo doo. They might lose their licensing over this (and other things, of course). I have about 10 more days to wait until the agency dealing with them has to get back to me to see exactly what is going to happen. I am going to file against the CA. I have them cold in black and white. I just want this off my reports ASAP and I don't care how it happens or who initiates it. I have the feeling that they will only delete it once they know their backs are up against the wall. I like waiting until I know I have at least double the amount in violations than what
  2. It's been a very long time since I've received a collection letter or really had to deal with any of this. I'll save this letter to add to the other violations I am sure they will commit. I'm the one who gets the mail every day,I open every single piece of mail that comes addressed to me and I've lived at the same address for 5 years. I have not received anything else from them. I also sent out my DV the same day i received their letter. I will report back when and if they respond to it.
  3. Yes, it's the first communication I've received from them. Wouldn't a second letter have some verbiage like, "We've reached out before" , "This is our last attempt", etc.? I've looked these people up and they're everything horrible with the complaints, lawsuits, etc.
  4. My DV letter is on its way to them via CMRRR as I type this. I had to Google the name to figure out who the OC was. The bill is from an out of town ER visit from more than 2 years ago. The suspended registration address is not the same as the one on the letter (there are 2; one for CA and the other for NJ - both P.O. boxes). The address for the other business name matches the one on their hinky looking website, but doesn't match anything on the letter. I found out the other name from Google. Isn't it supposed to tell me I have 30 days to dispute the debt and that I have to n
  5. I haven't actually received a dunning letter in YEARS (some have claimed to send them, but I haven't actually received one) until today. I couldn't even make heads or tails of it, it was so weird (my last name is even spelled incorrectly). Help me pick out the violations, please (I'm in California). Here it is, redacted. P.S. This account has nothing to do with Chase, it's a medical bill. The name that they are attempting to collect under is Chase Receivables and that registration via the California SoS is suspended. However, their original name (that is not named anywhere o
  6. I had a legal issue many years ago and called numerous attorneys. No one would take the case. Some said I had no case, others told me what I found out later to be untrue. Thinking I was sunk, I summoned the strength to dial just ONE more number. He answered the phone, listened to me, then told me to come in with my paperwork and speak to him as soon as I could. I took him the paperwork I had and then right in front of me at that first meeting after we talked, he called the other attorney and had him stuttering. He settled that case with ONE phone call and proceeded to represent me for the next
  7. Hospital: Violated AB774 (California law) by reporting the debt to their collection agency. I was not covered at the time and let them know that. I have letters from the collection agency stating that I did tell them in the hospital. They (and/or their collection agency) are unable to report the debt for 150 days just for that alone. I also attempted several times to inform them that I should have been covered and attempted to negotiate something with them to handle that until my insurance reviewed everything and paid. They refused to at first, then when I escalated it, flat out ignored me (I
  8. Which one? The hospital, the collection agency or EQ, EXP and TU? I explained some in my original post. If you mean the CRAs, are you asking about what violations other than not answering the MOV request? Just to recap for the responses to my MOV request: EQ sent nothing. EXP sent their generic response that didn't have anything about the collection account that I requested. TU sent a notice informing me that they placed another temp 90 day fraud alert on my reports, which I didn't ask for. I've only had one person tell me that I can't proceed with EQ and TU due to
  9. Thank you again. I know I've seen a sample letter/notice around here somewhere. Any suggestions? I don't want to give them anymore than I need to.
  10. This is what I thought. There had to be a reason for it. And there it is.
  11. Thank you so much for the response. Between you and someone who gave me additional advice in a PM, I am going to initiate arb ASAP.
  12. I've done cases like this on my own and did incredibly well, but things have changed a little bit since I last did them. I haven't needed one before, so I don't see why I need one now. I just negotiated against a well known corporate litigator for mid 5 figures for a small number of inquiries. Besides, for a large 5 defendant suit I had, I couldn't get anyone to take the case. And the violations on all 5 were clear as day. I'm in CA and most are all about how much money they can make here. To heck with them. I'll do it myself. I just like to make sure all my Ts are crossed and Is are d
  13. Thanks, FHC! Don't I have to send a Demand Letter to their General Counsel first per their arb agreement?
  14. Oh, I know. I just kind of assumed all of that was going to happen. I was always that annoying kid in class raising my hand and asking questions. I also did debate, so I like to see things from the view of other people. Keeps me sharp. lol
  15. What would their bonafied error defense be? How would that happen suddenly after all of this time? Sorry about the reaging thing. I'm reading too much at once. lol