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Did you have insurance, and do you have an EOB that matches this amount? The last Hospital that I worked with on a payment plan wanted the bill PIF within one year. Most of the time you can work out a payment plan over the phone, and you also have the ability to negotiate and explain the financial situation in real time.

Are any of these account reporting on your credit reports? Do you know how old they are or when the dates of service were? Did you have insurance at the time? Opt out http://www.whychat.5u.com/OPTOUTINST.HTML Get copies of your credit reports: To order, visit annualcreditreport.com, or call 1-877-322-8228, (it is best to get them through the mail, order them over the phone) You may order your reports from each of the three nationwide consumer reporting companies at the same time, or you can order your report from each of the companies one at a time. The law allows you to order one free copy of your report from each of the nationwide consumer reporting companies every 12 months. Try to delete any old address on your credit reports, when possible.

http://creditboards.com/forums/index.php?s...33451&st=25

Opt out http://whychat.5u.com/OPTOUTINST.HTML Delete old addresses if possible Send any CRA where the account is reporting this: ( follow all the directions) 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 http://whychat.5u.com/hipaadisp.html In the mean time send the "new" Collection Agency, Medical DV Just omit the "This letter is being sent to you in response to your recent fraudulent verification of an unknown medical account on my (name of CRA) report" Don't dispute anything else on-line ever! Keep all you information in one post, don't start a new one.

Do ALL medical accounts have a 4 year SOL or does it vary by state? Also, what type of hospital services would be subsidized with taxpayer dollars? I'm confused by that. Even if an account is past SOL, would that preclude a CA to sue you? If so, what is generally the outcome? Questions, questions, questions!! Please start a new thread, in the medical forum it is best if everyone keeps their own info in one thread. http://creditboards.com/forums/index.php?s...;hl=Tax+dollars Why Chat's website check out Why Chat web site, medical debts follow the SOL for your State's rules on open accounts, there are a few States that the SOL is only 3 years. Use the table to the very bottom of the main page, find your State and click on it.

Did you send the F/U dipsute with CRA (s) after the CA didn't respond to the medical DV? You would have more leverage, if the CA was never licensed with the OFR, however once you start Why Chat's Hipaa Process it is best to see it all the way through to the end before you look to "other methods."

Mis-management or mis applying of the funds in an escrow account is a RESPA (Real Estate Settlement Procedures Act) violation; which is a federal consumer protection law. Most states have laws that either mirror RESPA or have a more consumer protection than the the federal law consumer protection law. I would send indymac a QRW, Qualified Written Request, asking for a detailed account history going back to whenever this whole mess started. Some Servicers with only accept QWR at a specific address, so you may want to call and find out what what indymac's policy is. You may have to go back to your BK Attorney becuase the loan was not reaffirmed in the BK. This is actually called a manufactured default, the servicers mis-manages a home owner's escrow account and then buries them in so many late fee and services charges, then says "Oh Well" and the home owners ends up loosing their home one way or another.

If they do report you still may use Why Chat's HIPAA process.

Again they have done almost 7,000 mods. Not good but more than zero. No I don't work there but I also don't like a lot of false "facts" floating around. ETA: Not touching the rest of this post with a 20 foot pole. I'll touch it since I started it ...the last release I saw saw was a ZERO! I apologize for disseminating inaccurate information, that was not my intention. But I will say I am thrilled to see any loans mods completed by One West/Indy Mac, considering the sweet deal they made with the FDIC.

For all the medical collections in DH name follow these instructions: Opt out http://whychat.5u.com/OPTOUTINST.HTML Delete old addresses ( if possible) Send each CRA where the account is reporting, this: http://whychat.5u.com/hipaadisp.html 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 Post back ON THIS THREAD with your results and for further instructions.

Wait until the addresses have been cleaned up, you should receive a written response from the CRA(s.) Once you have that, you can send the PRE-HIPAA DISPUTE 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

Since one of the addresses is tied to the medical collection wait until the end of June before you send the PRE-HIPAA DISPUTE