MillerFam Posted November 11, 2007 Report Share Posted November 11, 2007 In my futile battle of the credit monster I recently disputed with the CRA's for a medical collection from 2004. for a measly $75. I have not heard from the CA in two years. I thought I would try to dispute it.After sending my letters. I received my signed green cards back sgned by the CRA's on 11-01-07. Funny thing today 11-10-07, I received my updated Credit report with an update of the Collecton account,Verified with an increased balance of $95. I also received a letter from the CA today with the new balance, showing my interest owed.In reading these forms I understand that the CRA's get thousands of letters daily, Why is it mine they pulled, verified and updated and then sent back to me in 10 days. No Friggn way!I could just send a PFD letter to the CA, or I could DV them and drag this out.Which route should I go?Also should I send someting to the CRA's asking them there "Metod of verification". I am still learning that process.What is an acceptable form verification from them. Link to comment Share on other sites More sharing options...
nascar Posted November 11, 2007 Report Share Posted November 11, 2007 Don't bother with the MOV. You already know the CA provided the information. The dunning letter you received indicates that. You need to address the debt now. Is it legitimate? When was it created? Are you going to pay it? Once you decide that, you'll know better how to proceed. The CRA hasn't done anything wrong here. Link to comment Share on other sites More sharing options...
MillerFam Posted November 11, 2007 Author Report Share Posted November 11, 2007 Don't bother with the MOV. You already know the CA provided the information. The dunning letter you received indicates that. You need to address the debt now. Is it legitimate? When was it created? Are you going to pay it? Once you decide that, you'll know better how to proceed. The CRA hasn't done anything wrong here.Yeah the debt is legitimate it was a 50/50 shot that if I disputed it with the CRA's it would be deleted. Only one CRA has responded so far. The debt was from 2004. It's only $95. should I just send a PFD letter? What about the interest they added. It was originally $75. Link to comment Share on other sites More sharing options...
gypsie Posted November 12, 2007 Report Share Posted November 12, 2007 Most medical collections are assigned and not sold. Have you checked with the medical facility this bill came from?- you may easily get this taken care of- by calling them. Link to comment Share on other sites More sharing options...
MillerFam Posted November 12, 2007 Author Report Share Posted November 12, 2007 I have not called them yet. I am just learning about medical collections. So maybe I should call the Hospitals collection Dept? Maybe they will accept a PFD? Link to comment Share on other sites More sharing options...
Moriah4 Posted November 12, 2007 Report Share Posted November 12, 2007 HiBefore you make the calls check out the information re med collections herehttp://whychat.5u.com/hipltr.html Make sure you read it several times. It took me a lot to get it. but is very useful informationBlessingsMoriah Link to comment Share on other sites More sharing options...
FICO is Flawed Posted November 12, 2007 Report Share Posted November 12, 2007 HiBefore you make the calls check out the information re med collections herehttp://whychat.5u.com/hipltr.html Make sure you read it several times. It took me a lot to get it. but is very useful informationBlessingsMoriahThis is great advice. I followed WhyChat's advice for medical collections and mine was deleted from the two bureaus that was reporting it, in less than 30 days. If you're going to pay it like I did, make sure you use the proper insert in your letter.Just read it and follow it.Good luck! Link to comment Share on other sites More sharing options...
nascar Posted November 12, 2007 Report Share Posted November 12, 2007 HiBefore you make the calls check out the information re med collections herehttp://whychat.5u.com/hipltr.html Make sure you read it several times. It took me a lot to get it. but is very useful informationYou need to be very skeptical of ANY information from that source. Link to comment Share on other sites More sharing options...
gypsie Posted November 12, 2007 Report Share Posted November 12, 2007 You need to be very skeptical of ANY information from that source.agreed Link to comment Share on other sites More sharing options...
gypsie Posted November 12, 2007 Report Share Posted November 12, 2007 I have not called them yet. I am just learning about medical collections. So maybe I should call the Hospitals collection Dept? Maybe they will accept a PFD?Yes, save yourself alot of trouble and call them. Hospitals and doctors are usually much easier to work with. My theory is- you may need them again, so work this out.IME- my medical collection was assigned, I worked out a plan with the hospital, and they removed the CA TL afterwards. Your debt is quite small compared to mine- you could probably have all this taken care of quickly.good luck! Link to comment Share on other sites More sharing options...
MillerFam Posted November 12, 2007 Author Report Share Posted November 12, 2007 Great thanks for all of the replies. Should I not find out if the debt was assigned or purchased first? There are different avenues for each conclusion. I agree It is such a small amount, this seems so easy.....But? Link to comment Share on other sites More sharing options...
MrHunter602 Posted November 12, 2007 Report Share Posted November 12, 2007 You need to be very skeptical of ANY information from that source.Care to ellaborate? I was looking at some advice there and was hoping it was pushing me in the right direction..... Link to comment Share on other sites More sharing options...
MillerFam Posted November 12, 2007 Author Report Share Posted November 12, 2007 MrHunter let me know what you find out. That link is quite confusing. You have to read it a couple of times. It's kind of like becareful what you send. Pick N Choose. Link to comment Share on other sites More sharing options...
gypsie Posted November 12, 2007 Report Share Posted November 12, 2007 MrHunter let me know what you find out. That link is quite confusing. You have to read it a couple of times. It's kind of like becareful what you send. Pick N Choose.I personally would choose not to send that, why?......Well, to begin with- when HIPAA was first enacted, tons of debtors jumped on this "bandwagon" to catch a medical TL in a violation of PHI (protected health information).HIPAA has now been around long enough- that I'm sure- most doctors, clinics, hospitals, ect... have made every effort to ensure that they are not giving out PHI when assigning a debt to a CA to collect for them.As a nurse- I KNOW- most debt collectors and medical services have frantically done whatever they need to do to be HIPAA compliant, and many are going to scoff at such a letter. HIPAA is a big deal and no one wants to get sued. And, the legal departments of medical facilities have already put measures in place to prevent HIPAA violations. Link to comment Share on other sites More sharing options...
MillerFam Posted November 12, 2007 Author Report Share Posted November 12, 2007 Yes I agree I would be leary sending anything from there. A simple PFD letter may suffice. I know what you mean about the HIPPA law. I am a Paramedic so I see it all of the time. Link to comment Share on other sites More sharing options...
nascar Posted November 13, 2007 Report Share Posted November 13, 2007 Care to ellaborate? I was looking at some advice there and was hoping it was pushing me in the right direction.....These so-called "aggessive" credit repair schemes have very little solid legal basis - lots of misinterpretation of the law - and quite possibly will put you in a worse position with the creditor than before. Just be careful. Link to comment Share on other sites More sharing options...
MrHunter602 Posted November 20, 2007 Report Share Posted November 20, 2007 So with medical would you just recommend a PFD letter? Instead of sending one of Whychats letters? Link to comment Share on other sites More sharing options...
Donna47129 Posted November 20, 2007 Report Share Posted November 20, 2007 Personally I would try DVing first, you may end up with a deletion that way. It's worth a shot.If the CA deletes from your CR, at that point I would go back and pay the OC.If the CA validates then try PFD. Link to comment Share on other sites More sharing options...
MrHunter602 Posted November 20, 2007 Report Share Posted November 20, 2007 I have already DV'ed the CA. So I guess its a PFD Ill send next. Link to comment Share on other sites More sharing options...
Donna47129 Posted November 20, 2007 Report Share Posted November 20, 2007 I have already DV'ed the CA. So I guess its a PFD Ill send next.Sorry, I was replying to OP...but I would do what you are doing as well since you have already DV'd. Good luck! Link to comment Share on other sites More sharing options...
lolah Posted November 20, 2007 Report Share Posted November 20, 2007 I personally would choose not to send that, why?......Well, to begin with- when HIPAA was first enacted, tons of debtors jumped on this "bandwagon" to catch a medical TL in a violation of PHI (protected health information).HIPAA has now been around long enough- that I'm sure- most doctors, clinics, hospitals, ect... have made every effort to ensure that they are not giving out PHI when assigning a debt to a CA to collect for them.As a nurse- I KNOW- most debt collectors and medical services have frantically done whatever they need to do to be HIPAA compliant, and many are going to scoff at such a letter. HIPAA is a big deal and no one wants to get sued. And, the legal departments of medical facilities have already put measures in place to prevent HIPAA violations.So, what is an example of non-complinace? Link to comment Share on other sites More sharing options...
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