If I PIF/settle with the original creditor for a medical collection, before beginning the HIPPA process; Can I still perform the HIPPA process afterwards? (It is already reported by a collection agency(not the hospital which I payed) to all 3 bureau's but the amount they are reporting is more than 2x as high as the original bill, so thats why I payed to hospital.) On my fico credit reports, it shows the balance from the original creditor as well, and the new 'current amount owed' which like I said is more than twice as much about 2.5 times as much actually. Thanks for any info on this!
Payed OC, Can I still HIPPA?
Started by
zedekc
, Mar 09 2012 03:32 AM
8 replies to this topic
#1
Posted 09 March 2012 - 03:32 AM
#2
Posted 09 March 2012 - 09:37 PM
OIC, this forum is like myfico where no one comes on or answers questions anymore. Good luck.
#3
Posted 10 March 2012 - 12:43 PM
Sorry I missed your original post. I suggest before venting your impatience with this forum that you read the pinned topics and other posts where you would have EASILY found the answer to your question.OIC, this forum is like myfico where no one comes on or answers questions anymore. Good luck.
Opt out
http://www.whychat.5...OPTOUTINST.HTML
Delete old addresses if possible if you have moved since the date of service
Send each CRA where the account is reporting this: ( follow all the instructions and use a REAL credit report)
http://www.whychat.5.../hipaadisp.html
Come back to this post for follow up instructions
#4
Posted 10 March 2012 - 11:23 PM
I am aware of the HIPPA process, I was wondering If I can still do the HIPPA process after paying the OC, I have not contacted the C.A. at all, I just payed the O.C. before I found out about HIPPA. I noticed on your instructions it states that you don't send payment to the O.C. until a certain step. So I didn't know if the HIPPA process would still work or not if the O.C. has already been paid but the C.A. is still reporting. Thanks!
#5
Posted 11 March 2012 - 10:30 AM
The HIPAA letter program is designed to get ALL medical accounts off your reports, no matter if they were paid or not. The ONLY time the "full" HIPAA letter program can NOT be implemented is if you paid the reporting CA. Take a look at your cancelled check to the OC and see if they turned it over to the CA. If the OC deposited it in their OWN account, or if you paid by credit card or debit card and the payment shows it was made to the OC, then the FULL HIPAA letter program can be used.I am aware of the HIPPA process, I was wondering If I can still do the HIPPA process after paying the OC, I have not contacted the C.A. at all, I just payed the O.C. before I found out about HIPPA. I noticed on your instructions it states that you don't send payment to the O.C. until a certain step. So I didn't know if the HIPPA process would still work or not if the O.C. has already been paid but the C.A. is still reporting. Thanks!
#6
Posted 12 March 2012 - 11:57 PM
The HIPAA letter program is designed to get ALL medical accounts off your reports, no matter if they were paid or not. The ONLY time the "full" HIPAA letter program can NOT be implemented is if you paid the reporting CA. Take a look at your cancelled check to the OC and see if they turned it over to the CA. If the OC deposited it in their OWN account, or if you paid by credit card or debit card and the payment shows it was made to the OC, then the FULL HIPAA letter program can be used.
I am aware of the HIPPA process, I was wondering If I can still do the HIPPA process after paying the OC, I have not contacted the C.A. at all, I just payed the O.C. before I found out about HIPPA. I noticed on your instructions it states that you don't send payment to the O.C. until a certain step. So I didn't know if the HIPPA process would still work or not if the O.C. has already been paid but the C.A. is still reporting. Thanks!
After reading through it, it would appear that you have to pay the O.C. at some point if you owe the debt. Would HIPAA still be applicable if I settle with the O.C. for less than the original amount?
#7
Posted 15 March 2012 - 12:13 AM
The HIPAA letter program is designed to get ALL medical accounts off your reports, no matter if they were paid or not. The ONLY time the "full" HIPAA letter program can NOT be implemented is if you paid the reporting CA. Take a look at your cancelled check to the OC and see if they turned it over to the CA. If the OC deposited it in their OWN account, or if you paid by credit card or debit card and the payment shows it was made to the OC, then the FULL HIPAA letter program can be used.
I am aware of the HIPPA process, I was wondering If I can still do the HIPPA process after paying the OC, I have not contacted the C.A. at all, I just payed the O.C. before I found out about HIPPA. I noticed on your instructions it states that you don't send payment to the O.C. until a certain step. So I didn't know if the HIPPA process would still work or not if the O.C. has already been paid but the C.A. is still reporting. Thanks!
After reading through it, it would appear that you have to pay the O.C. at some point if you owe the debt. Would HIPAA still be applicable if I settle with the O.C. for less than the original amount?
Anyone know if Hipaa is still applicable if the debt is settled with O.C. for less than the original amount?
#8
Posted 15 March 2012 - 03:08 PM
If the OC agreed (in writing) to accept the payment as payment in full, yes, if not but accepted it as a payment "on account" then you can still use the HIPAA letter program but you would need to have me help you modify the follow up letters to the OC if the initial disputes and medical DVs didn't work.
The HIPAA letter program is designed to get ALL medical accounts off your reports, no matter if they were paid or not. The ONLY time the "full" HIPAA letter program can NOT be implemented is if you paid the reporting CA. Take a look at your cancelled check to the OC and see if they turned it over to the CA. If the OC deposited it in their OWN account, or if you paid by credit card or debit card and the payment shows it was made to the OC, then the FULL HIPAA letter program can be used.
I am aware of the HIPPA process, I was wondering If I can still do the HIPPA process after paying the OC, I have not contacted the C.A. at all, I just payed the O.C. before I found out about HIPPA. I noticed on your instructions it states that you don't send payment to the O.C. until a certain step. So I didn't know if the HIPPA process would still work or not if the O.C. has already been paid but the C.A. is still reporting. Thanks!
After reading through it, it would appear that you have to pay the O.C. at some point if you owe the debt. Would HIPAA still be applicable if I settle with the O.C. for less than the original amount?
Anyone know if Hipaa is still applicable if the debt is settled with O.C. for less than the original amount?
#9
Posted 16 March 2012 - 12:04 AM
Ok, I still have get the certified mail slips from the post office. I have never sent mail certified. I also then still have to dispute the adresses, I have already done the opt out though. I'll report back when I catch up. Thanks!
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