LadyButler Posted February 11, 2005 Report Share Posted February 11, 2005 I emailed an OC about payment in full if I received in writing something stating they would remove my account from collections and delete any bad info on CR. This is the response I got- by email..."Sir-When payment is received by the Shore Health System, I will have the account closed at the collection agency and return (sic) to the hospital. Please send your payment to my attention.Faye FraleyVendor Liason, PFS"(I sent it through my DH's email since it's really his collection... hence the 'sir' part.)Anyway... is this good enough? Link to comment Share on other sites More sharing options...
willingtocope Posted February 11, 2005 Report Share Posted February 11, 2005 It doesn't actually say anything about cleaning up your credit report. Link to comment Share on other sites More sharing options...
LadyButler Posted February 11, 2005 Author Report Share Posted February 11, 2005 I know. The catch is that the collections agency hasn't reported it yet... they just made an initial inquiry in January. Link to comment Share on other sites More sharing options...
willingtocope Posted February 11, 2005 Report Share Posted February 11, 2005 Then I'd suggest you ask for "returned to hospital" and credit report marked as "paid as agreed"... Link to comment Share on other sites More sharing options...
pursuit Posted February 11, 2005 Report Share Posted February 11, 2005 I wouldn't accept that as sufficient. I write something like:agree to completely delete tradeline and agree to retract and recall all collection activity.further agree not to respond to CRA regarding disputes on this account to ensure deletion. Link to comment Share on other sites More sharing options...
LadyButler Posted February 11, 2005 Author Report Share Posted February 11, 2005 Technically- wouldn't there not be a listing from the hospital anyway... since it's a medical file? (There isn't one from the CA YET... and the OC doesn't have one at all... and as I understand it they can't...?)I'm sorry if it seems like I've got an answer for everything! I'm just trying to understand and learn as I push through this mess!Thanks. Link to comment Share on other sites More sharing options...
willingtocope Posted February 11, 2005 Report Share Posted February 11, 2005 Hmmmm...I don't think there's anything in HIPPA to prevent a hospital from listing an open account on your CRs. They probably can't provide the details of your hospital stay, but I would think the can list the account.On the other hand, if neither the OC nor the CA is reporting as yet, then you should probably just ask for "never report to a CRA" in your agreement. Link to comment Share on other sites More sharing options...
LadyButler Posted February 11, 2005 Author Report Share Posted February 11, 2005 Only reason I thought that is because of this from the "Negotiating your credit rating" section on the site...Remember, though, not all collections result from credit cards. Doctor's bills cannot appear on your report. But collections resulting from these accounts can. In the case of such collections, there is no duplicate negative listing, since the original creditor is not allowed to put a listing on your account, so this collection may legally remain on your report.So does that not apply to my daughter's ER visit? Just wondering. (I will stipulate never reporting in the return email.) Link to comment Share on other sites More sharing options...
willingtocope Posted February 11, 2005 Report Share Posted February 11, 2005 Honestly, I don't know. I'm not sure where that comment comes from... Link to comment Share on other sites More sharing options...
divemedic Posted February 11, 2005 Report Share Posted February 11, 2005 Try a letter like this:AGREEMENT TO COMPROMISE DEBTXYZ CREDITOR, referred to as CREDITOR and JOE CONSUMER, referred to as DEBTOR, agree to compromise the indebtedness as between them. CREDITOR hereby agrees to compromise the indebtedness due the CREDITOR on the following terms and conditions: The CREDITOR and the DEBTOR agree that the present debt due is $116.24 (One Hundred Sixteen Dollars and Twenty Four Cents). The parties agree that the CREDITOR shall accept this sum as full payment of this debt. The acceptance of the payment will serve as a complete discharge of all monies due. The payment shall be made in the form of certified funds in the above amount. Payment will be made within 10 (Ten) business days of the receipt of a signed copy of this agreement by the DEBTOR at the address below.In addition, upon accepting of the $116.24, the CREDITOR will cease all collection activities and notify all Agents, Assigns and Credit Reporting Agencies that this account is PAID AS AGREED, NEVER LATE and delete any entries showing this account as ever being late. This compromise is expressly conditioned upon the receipt of a signed copy of this document by January 31, 2005 by the DEBTOR at the address below. If the DEBTOR fails to pay the compromised amount by the agreed due date, the CREDITOR reserves the right to resume any and all collection activities allowed by law.This Agreement shall be binding upon and inure to the benefit of the parties, their successors and assigns and replaces any previous agreements and covenants. Dated: _______________ Signature: _____________________________________ Authorized signature of CREDITORDated:_______________Signature: _____________________________________ DEBTORYour nameYour addressYour City, state Link to comment Share on other sites More sharing options...
pursuit Posted February 11, 2005 Report Share Posted February 11, 2005 I used that offer to compromise debt, but I adjusted like this:AGREEMENT TO COMPROMISE DEBT ACCT # 20714xxxxNORDSTROM FSB, referred to as CREDITOR and xxxxxxx, referred to as DEBTOR agree to compromise the indebtedness as between them.CREDITOR, hereby agrees to compromise the indebtedness due the CREDITOR on the following terms and conditions: 1. The CREDITOR and the DEBTOR agree that the present debt due is $348 (three hundred forty eight dollars). The parties agree that the CREDITOR shall accept the sum of $348 (three hundred forty eight dollars) as full payment on the debt. The acceptance of the payment will serve as COMPLETE DISCHARGE OF ALL MONIES DUE. The payment shall be made by money order. 2. In addition, upon acceptance of the $348, the CREDITOR will:(a) DELETE TRADE LINE FOR ABOVE REFERENCED ACCOUNT from all credit reporting agencies including, but not limited to; Equifax, Experian, and Transunion within 30 (thirty) days of receipt of payment.( Agree not to respond to any credit-reporting agency regarding disputes on above-mentioned trade line to ensure that it will in fact be removed.© Further agree to recall and retract all outside collection activity.3. This compromise is expressly conditioned upon the payment being received by March 15, 2005. If the DEBTOR fails to pay the compromised amount by March 15, 2005 the original amount owed by the DEBTOR will be reinstated in full, and immediately due. This Agreement shall be binding upon and inure to the benefit of the parties, their successors and assigns. Dated: _______________Signature: _____________________Printed Name______________________ID_______NORDSTROM FSBCREDITORDated: _______________Signature: ____________xxxxxxx3521 NE xxxxxxxxxxxxJust edit to fit your needs Link to comment Share on other sites More sharing options...
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