funky1

@Why Chat Thank you for your help, would love some advice about what the CA has sent me above. But also, if that's not the route to go in your HIPAA letter you frequently refer to the original health care provider and HIPAA compliance office. Do you mean the HIPAA compliance office of the billing service the HCP uses or the actual Hospital I was seen at? Or the individual HCP who was working at the hospital that saw me? Thanks again!!!! :)

Thanks Whychat! Question...... I just got the first letter from the CA today, it's CMRE. The language of the letter says "If this account remains unpaid this account may be reported to the credit reporting agencies 60 days from the date of this letter." This would lead any reasonable person to believe if I just pay them directly the matter is done. But the last thing I really want to do is trust a CA. The back of the letter states: "As required by law, you are herby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. But we will not submit a negative credit report to a credit reporting agency about this credit obligation until the expiration time period described on the front of this letter" That sounds good but it makes me wonder if I pay if they're still going to report to a CRA with a zero balance which as I already know would still tank my score. What do you think?

Hi everyone! Long time member but haven't been here for years. I have a medical bill for around $1300 that just went to collections. Long story short, it was an emergency and was seen by an out of network provider and yada yada yada I'm still trying to get blue cross to cover it. In the meantime I should have just paid the bill and dealt with insurance later but I dropped the ball. I tried to log into the health care billing service website last night and it showed I have a zero balance due..... uh oh. I just called and they already sent it off to collections. I told them I'd pay them now and they could just pull it back. They said they can't do that unless their was an error on their end and there wasn't. Fair enough I guess. I'm thinking of sending a cashiers check from my bank to the billing service (not the CA) and see what happens. If they cash it then I should be able to tell the CA to FOAD. Right? I feel so stupid, I'm normally on top of the ball with bills thanks to the help from this site but have suffered a lot of personal loss recently and the pandemic isn't helping either. Help please!!!

Few months ago actually, which surprised me I'd get an invite so quickly. 5% cash back and cash back match for the first year. 0% intro APR.

Congrats on the Discover!!! I'm a little confused though. It states in the thread below that Discover was in fact included in your BK. https://creditboards.com/forums/index.php?showtopic=497094 That was from a 2006 or 7 BK. Not the most recent one. It's been about a decade since I've had a Discover card.

Just over a year out of BK7 I have one CU credit card with a 2k limit. I also have a paypal credit, kay jewelers and LOC overdraft that all survived the BK. I applied for a Discover shortly after BK cause they were not burned and I haven't had one in several years. Not approved. Then a few weeks ago in the mail I got invited to apply for the Discover It. Approved with a $1600 limit. I'm going to keep my other CU card for every day purchases and keep the Discover for things like grocery store, cable bill etc....

Maybe, then we could re-fi later. I think our friend might bite on the land contract idea.

We've been renting a nice four bedroom house in Los Angeles from a friend of ours for 3 years. Our friend is interested in selling the house and asked if we were interested in buying it. We ARE interested but here's the rub... I just filed a BK7 in June, it's set to be discharged in November. That knocks me out for an FHA loan for at least 2 years. My spouse doesn't have perfect credit but has a few baddies from several years ago that are about to fall off or will easily go away with FOAD letters as they're all WELL past the California statute of limitations. My spouse however has relatively low income. Approx 20k/yr where I'm at 63k/yr. My spouse also has ZERO credit cards, loans or any other credit products. Although, he is an AU on his moms backdated Amex from the 1970's which is probably helping him out. Are there any options open to us? I've been doing some research and it seems perhaps a land contract would be a good deal and then in 2-3 years post BK I could likely secure an FHA loan. If not then no harm no foul since we're already paying rent for the same house. Another thing I've heard is that if we combine our bank accounts (right now our financials are more/less separated) a mortgage lender would look at "our" bank statement and see my more favorable income and consider it in the loan decision even IF only my spouse is on the loan. Is that true? Any help is appreciated!!

I'd have kicked the person out right then and told them they can take an Uber of Lyft back home.

WhyChat HIPPA method for Medical Collections. Some magically disappear after the initial dispute letter. Try it!

Based on credit pulls it looks like Ally favors Trans Union and Equifax. FYI

I like the VOLT a lot, I had considered getting one. We have charging stations at work so unless I was going on a weekend trip I wouldn't even need to charge it at home. Plus in California and some other states as you mentioned there's addition rebates included and in California you're qualified for the HOV lane. Then again I might wait till the new cheaper Tesla sedan comes out.

I tend to agree with the others though. Work on getting that medical collection off EX and EQ and you should be all set. Adding another card to the mix with a low balance and you should qualify for the best financing offers just about wherever you choose to go.

I will look into Mercedes.. thanks.. Im in Arizona Ahhh yeah. I live in Los Angeles and everyone and their brother has a BMW, Audi or Mercedes so there's a lot of market saturation. Around here you could get something like this negotiated down to 25k with the extended unlimited mile Mercedes warranty. But it's a few hundred miles from Arizona. When I did a quick search I didn't find anything too appealing out that way either. http://www.autotrader.com/cars-for-sale/vehicledetails.xhtml?endYear=2016&zip=85001&listingType=certified&listingTypes=certified&maxPrice=26000&mmt=[MB[][C_CLASS[]]]&modelCode1=C_CLASS&showcaseOwnerId=66839&makeCode1=MB&startYear=2006&maxMileage=15000&searchRadius=300&minPrice=11000&listingId=406328121

Also, my scores were not much higher than yours and I had a medical collection on EX when I was approved for 2.99% on a certified pre-owned Hyundai. 10yr 100k mile powertrain warranty and the balance of the 5 year 60k mile bumper to bumper. Push the dealers on price and the interest rate, if they REALLY want to make a deal they can.