battles4610

WhyChat: I opted out when began your program 90ish days ago. Old addresses are not connected to any accounts reporting on credit reports. Sent initial dispute letter to CRAs -- this is what the "verification" for Northeast C&C came back from. I sent the "Letter to CA Medical Accounts Reporting Balance Due" -- this is the one that appears to be undeliverable. This is from an ER visit October 2011 for my daughter. I also had these two accounts reporting under Commonwealth on TU, but they were deleted. I have also failed to get a good answer on the SOL for medical debt in Arkansas. If viewed as a written contract, 5 years, but there is information out there that says open medical accounts have an SOL of 2 years. I have the annotated code reference, but I have not been able to confirm this one way or another. The OC is Phillips Landing Emergency Physicians. They appear to be the billing for the ER physicians for a for-profit hospital in our area. We were billed separately for ER services and physician services. Insurance paid most of ER visit, but not very much of these "physician services". Five staples to a laceration on a knee were billed in excess of $2300 -- we saw that doctor a total of 2 minutes. I'm so opposed to actually paying for this fleecing that I can't stand it.

No, it was Northeast Credit and Collections in Scranton, PA. I think it's a JDB -- this same account has been in at least three different hands since November. Thank you, Kimbachelle.

Last week I sent the validation letter to the CA after the CRA "verified" the account. I used the CA name and address as printed on the verification response I received from Equifax, but USPS website shows "Moved, Left No Note." What would my next steps be? Is this enough documentation to send to CRA showing that the debt can't be validated?

Thanks for your input. Graduation can wait, but the auto repair cannot. I guess we'll just have to let it stick. The CU is so concerned about audits, etc., that every detail has to match. They won't pay the OC since the CA is who is actually reporting the debt. They're really wonderful, but very small and they don't worry about a credit score -- just on time payments and paid debts. They've been very good to us and given us amazing rates on some automobile purchases that we would otherwise have not been able to get, so I will follow their protocol on this one. Thanks again.

I will have to deviate from WhyChat's HIPPA method regarding one account. Here's a quick explanation of the situation: Hubby and I are signing documents today for a personal loan from our credit union to pay for an expensive car repair and purchase our senior's graduation gift. They only run TU and DH has one small collection that popped up very recently for $119 listed on a medical debt from several years ago. They CU requires that they cut the check from our personal loan funds and mail it directly from their office to verify it is paid. (They're very old school, and are meticulous in their lending practices.) Anyway, we have to agree to do that today in order to take out the loan and pay our auto guy. Would it be advisable to send some type of GW letter with the payment regarding deletion since we are paying in full? Or, just pay it and dispute it next month following WhyChat's method? Thoughts?

@Bullthistle...why do you say go with a CU? Wouldn't they have the same underwriting guidelines?

Our BK is 4+ years old, but we have had some lates and some items go to collections after discharge due to husband's layoff. We are currently in the house we want to buy. In October 2007 we signed a lease-option and for 2 years all pmts less taxes/insurance went toward our equity in the house. Due to layoff, we could not purchase in October 2009, but the owners worked with us and we did a 3 year interest-only contract with them at 7%, so basically we're paying rent right now. In one year, we need to be looking at obtaining financing on our own. I'm worried, though. My question is this: Even with the lates after BK, will 12 months of on-time payments/no new collections be enough? One loan officer suggested that an FHA refi might be easier than an all-out purchase, but I'm not sure that we're on the title. I would consider walking away except that we have a lot invested in this house. Appraised at 180k Our contract is for 169k (it had been on the market 6 months, owners ready to have someone in) Put 2500 down Current balance is roughly 143k Any suggestions? The owners will not kick us out, but I know they're reaching retirement age and would like us to be out on our own with this mortgage...

It was not too much of an issue as we had, in the original lease/option contract, an agreement that they would offer financing if we were unable to obtain our own mortgage. They are getting ready to retire and would like to have the cash for this property rather than carry a mortgage, but they are still willing to extend financing to us if we are not able to go out on our own after 3 years of an interest only contract. These are really good people who I trust completely. I would just like to be able to go out on our own and let them have their cash.

No, not with a bank. We renegotiated our contract and set it up as a 3 year interest only at 6.25% to buy us some more time.

DH and I did a lease-option in 9/2007 for $169k on a home appraised for $180k. We weren't able to obtain a mortgage on our own when the 24 months was up, so in 10/09 we basically entered into a 3 year, interest-only loan with the private individual in hopes that this will buy us enough time to improve our scores which are very low...high 400s. The mortgage is filed with an escrow company. We are wondering if this would now be considered a refi? We owe $151k, so our loan to value ratio is 84%. Is there anyone who would be willing to look at us? The couple who built the house would really like to have their cash and we would like to be on our own with the house. It would also be really nice to have the $8k for the tax credit in my pocket rather than paying it toward the balance as was required in the new contract. We have a perfect payment history on the house. One auto loan at $275/month with some 30 days late. A BK7 discharged April 2007. There are some medical collections, a cell bill, and a couple of CC charge offs on our credit report. Yucky, I know. We were so going to be those people who got it all together after our BK. We tried, but DH's layoff x 2 was unexpected and devastating. We really need to stay in this house. We would never be able to save up a downpayment that would equal the equity we currently have.

We have an old balance with a local physician's clinic for around $1300. The last date of service was in early 2000 and the last partial payment would have been in summer 2000 or so. My situation is this: we had moved from the area and no longer saw any docs at this clinic, finances went downhil, and we stopped paying on this bill. Fast foward 6 years - we're back home, I'm pregnant, and wish to see the OB I'd used with my two previous pregnancies. Called and got appt (Jan 2006) - no flags on account at this point about past bill, or if there were, they were ignored. BTW-none of the previous balance was my OB's. In late May 2006, the financial rep in the OB/GYN dept called me in her office and asked me about past due balance from 6 1/2 years ago. Keep in mind I've got insurance and never missed the monthly $107 payment to cover the difference between what insurance will pay and doc's charge. She gave me a card to the CA and told me to call and set up payments. I've done enough research to know that that will start SOL all over again, so I didn't. This doesn't report on CR. I told her I thought it was past the time they could collect; she said she didn't know. Sept 2006 - I've delivered and am back in doc's office 6 days later with mild congestive heart failure. After CXR and chest CT, my OB and the cardiologist on call want an echo - send me to the clinic's Cardio. While waiting, cardio's financial rep calls me and DH into her office with the same spill about the old bill. I can't even begin to explain how hateful she was. Again, I told her I though this was too old to collect and she told me that - oh yeah, we can collect anything you owe us. She gave me the card to CO and told me to call. Kept me in there a good 20 minutes while I was very sick. In the course of all this she told us that she filed BK twice and that she'd heard every excuse there was for not paying someone their money! Two weeks later - seeing Pediatrician in same clinic. Their finance gal calls me in - same spill - says they won't see my children as patients until that bill is paid in full. Now, keep in mind that I am not receiving anything via mail on this. My monthly statement shows only the current charges. Did they violate anything here? Can they refuse service if a debt is past SOL? It's fine if they can; they're too big and we have a family doc in private practive that we love, so I'm not worried about getting good care and my cardio is also independent.