Medical Bills Never Received and are in Collection

[luckyladyvegas]

I have been reading here for some time and decided it is time to post. I am hoping someone can help. I could not find any posts with a similar situation to mine.

 

My husband was in the hospital in March for one night. I have been collecting all bills since then and waiting for insurance to verify what has been paid. I have or am currently paying everything I have a bill for.

 

My problem is when I pulled his credit report a few days ago there are 3 collections all submitted one month after his hospital visit and none of them were sent to use for payment. I have checked every bill I have against the account number and amounts on the collections. None of them match up.

 

We never received any of these bills and if we had we would have paid them. What do I need to do now? Where do I start? I want to resolve this as it is the only negative he has right now.

 

 

Any help is greatly appreciated,

 

luckyladyvegas

[Why Chat]

I have been reading here for some time and decided it is time to post. I am hoping someone can help. I could not find any posts with a similar situation to mine.

 

My husband was in the hospital in March for one night. I have been collecting all bills since then and waiting for insurance to verify what has been paid. I have or am currently paying everything I have a bill for.

 

My problem is when I pulled his credit report a few days ago there are 3 collections all submitted one month after his hospital visit and none of them were sent to use for payment. I have checked every bill I have against the account number and amounts on the collections. None of them match up.

 

We never received any of these bills and if we had we would have paid them. What do I need to do now? Where do I start? I want to resolve this as it is the only negative he has right now.

 

 

Any help is greatly appreciated,

 

luckyladyvegas

 

Do the bills match any of the bills you paid??

 

Send the CRA's the medical dispute letter:

 

You dispute medical accounts this way:

 

Dear CRA,

 

My name is xxxxx xxxxxx , my SS # is xxx xx xxxx.

 

I am sending this dispute certified mail # xxxx to make sure you receive it.

 

I have no knowledge or records of account # xxxxx on my report # xxxxx.

 

Please advise me as to the name and address of the medical provider,

the date and type of service,and to whom the service was provided.

 

If you can obtain this information, I also would need the name of the person

providing this data, and the manner in which it was provided in order that I

may pursue additional legal remedies.

 

Very truly yours,

 

xxxxxx

Make sure you HAND ADDRESS the envelope, use personalized stationery

and purple or teal font, ( preferably italic).

 

DO NOT send it RR

WAIT FOR THE FULL RESPONSE FROM THE CRA BEFORE CONTINUING WITH THE HIPAA LETTER PROCESS

 

It is POSSIBLE that these accounts are not yours, or were already paid.

 

IF you get a full correct response, you can then pay the OC health care provider, ( who may not even be actually at the hospital, i.e. testing lab, ambulance service etc.) with the HIPAA letter insert "a":

 

http://whychat.5u.com/hipltr.html

[luckyladyvegas]

Why Chat,

Thank you so much for the response and help. I did answer some of your questions below.

 

 

Do the bills match any of the bills you paid??

 

They do not.

 

 

It is POSSIBLE that these accounts are not yours, or were already paid.

 

Based on the dates they were reported and some bills we have not received yet I think they are ours.

 

The other question I forgot to ask is how do I know where to mail them to and the full account numbers?

The names of the collection agencies are on there but look abreviated. The account numbers are also all x'd out except for the last 4 numbers. With nothing to compare the account to it is difficult to know.

 

Thanks again,

luckyladyvegas

[Why Chat]

Why Chat,

Thank you so much for the response and help. I did answer some of your questions below.

 

 

Do the bills match any of the bills you paid??

 

They do not.

 

 

It is POSSIBLE that these accounts are not yours, or were already paid.

 

Based on the dates they were reported and some bills we have not received yet I think they are ours.

That means nothing, especially if your name is a common one

 

The other question I forgot to ask is how do I know where to mail them to and the full account numbers?

You mail the medical dispute letters to the CRA's using the address on your reports, ( you MUST have reports directly from each CRA, and you SHOULD opt out before disputing)You use the account #'s as shown on your reports, and identify each account with the name of the CA as shown on your report. You need the REPORT file # from each CRA to dispute, which is why you need individual reports

The names of the collection agencies are on there but look abreviated. The account numbers are also all x'd out except for the last 4 numbers. With nothing to compare the account to it is difficult to know.

 

Thanks again,

luckyladyvegas

[luckyladyvegas]

Why Chat thanks again. Some of the things youy suggested in your last post are foreign to me so I think I need to study up a little more. I noticed the collections on all 3 reports from Myfico and that is why I do not have the full information for the CA's. I will continue to read and study and hope that I can get this resolved soon.

 

Thanks again.