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Everything posted by pinto

  1. I have a medical bill for a vaccination provided by a physicians group. They have billed me directly claiming my primary health insurance would not cover the service. I disputed owing an amount of 205.00 dollars (150.00 for the vaccination and 55.00 for the administration of the shot) as I had given them a 3rd payer who would pay for the service. They refused to bill the 3rd party saying they do not have a relationship with the payer and therefore I am responsible for the bill. I am now sitting on an Invoice under (1) account number from the physicians group for $205.00. Fair enough. The phy
  2. I had been in contact with a few consumer debt attorneys and all are in agreement w/ simultaneously writing all parties involved providing evidence supporting my FCRA claim. Will keep you posted as to the outcome.
  3. I have read posts regarding FCRA cases presented in small claims courts against debt collectors and original creditors are routinely bumped to federal court. I would only be seeking claims against the violations. What problems can I anticipate if I sue both Debt Collector and Original Creditor under FCRA regarding jurisdiction, any advice?
  4. I had spoken with an attorney at the FTC concerning this and he agrees with what you have said. FCRA applies. My task now is to get the trade line removed from the credit report. I am looking for input as to whether I should make the demand to remove from the credit report first with the debt collector and original creditor or with the CRB's. I am specifically thinking FCRA 605©(1) and 623(a)(5).
  5. I am trying to understand my rights are concerning an old business debt as a sole proprietor and how to proceed forward. At issue is a business line of credit I personally guaranteed for a sole proprietorship in 2000. I went out of business due to illness in 2003, made a repayment agreement with the OC in 2004 and after 6 months was unable to maintain making the agreed payment amount. Recently a debt collector came on the scene (calling my home and sending letters) and is now reporting this debt to the major CRB's. I had written the debt collector and OC requesting information regarding the d