park77

I wrote my old mortgage into a ch 13 and I noticed the home is finally up for auction this month. Does that mean my name is off the title? How do I verify or check the status on that? I'm assuming with the county but not sure who I call. Any help would be greatly appreciated.

Well, this thread took an unexpected turn.

I thought that once medical collections served no purpose they were to be removed from your report. Medical collections are different from regular credit collections from my understanding. I am no expert but would like someone to clear this up for jumpstreet and myself. Thanks

Are there any lenders allowing people in a ch 13 to purchase a home with trustee approval? I am over a year in, all payments made on time, current home not included and over 7 years at same job but scores around 600. I have seen most looking for 620 and up but I wasn't sure if that was an across the board requirement. I worked on my credit and cleaned it up to where only accounts showing were positive and IIB accounts (cant seem to get the IIB's deleted). Thanks in Advance

Reading the following, I would think they are in violation. Shouldn't the original provider not send such information to the collection agency as well. It clearly states what was done, medicine used along with the cost. I know he cost of the procedure is ok but shouldn't everything else be blacked out? Then, like I stated before the CA sent it to my lawyer to send to me??? Excerpted passages: New Consumer Credit Law Protects Medical Information The Fair and Accurate Credit Transactions (FACT) Act, signed by President Bush on December 4, 2003 (Public Law 108-159), establishes medical privacy provisions as part of consumer credit law. The bill amends the Fair Credit Reporting Act (FCRA) to include improved medical privacy protections,in addition to new protections against identity theft. Credit bureaus and creditors will have to comply with a number of medical privacy restrictions that ban the sharing of medical information. Title IV of the FACT Act limits the use and sharing of medical information in the financial system and provides an updated and more expansive definition of medical information. The legislation prohibits the furnishing of consumer reports that contain medical information about a consumers, unless the consumer affirmatively consents to the furnishing of the report in the case of an insurance transaction, or the consumer provides specific written consent in the case of the an employment or credit transaction. The legislation also prohibits creditors from obtaining or using medical information in connection with any determination of the consumer's eligibility, or continued eligibility, for credit. Section 411 under Title IV of the Act: Revises the requirement for specific affirmative consumer consent (opt-in) regarding the use and sharing of medical information by consumer reporting agencies for employment or insurance purposes. States that medical information shall not be excluded from credit reports shared among affiliates unless it is prohibited by this title. Directs the Federal banking agencies and the NCUA to prescribe regulations limiting the use of such medical information. Section 412 under Title IV of the Act: Requires information furnishers whose primary business is providing medical services, products, or devices to notify any credit reporting agency to which they furnish consumer information that they are medical information furnishers, for purposes of compliance with medical information coding requirements. Prohibits a consumer reporting agency from including in any consumer report the name, address, and telephone number of any medical information furnisher except in code, unless the report is provided to an insurance company for other than property and casualty insurance purposes. Requires the FTC, if a furnisher of information fails to comply with requirements for the coding of trade names, to take action, including issuance of guidelines, to ensure the furnisher's compliance with such requirements. The regulation text of Title IV of the FACT Act follows: HR 2622 Fair and Accurate Credit Transactions Act of 2003 (Enrolled as Agreed to or Passed by Both House and Senate) TITLE IV--LIMITING THE USE AND SHARING OF MEDICAL INFORMATION IN THE FINANCIAL SYSTEM SEC. 411. PROTECTION OF MEDICAL INFORMATION IN THE FINANCIAL SYSTEM. (a) IN GENERAL- Section 604(g) of the Fair Credit Reporting Act (15 U.S.C. 1681b(g)) is amended to read as follows: `(g) PROTECTION OF MEDICAL INFORMATION- `(1) LIMITATION ON CONSUMER REPORTING AGENCIES- A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information about a consumer, unless-- `(A) if furnished in connection with an insurance transaction, the consumer affirmatively consents to the furnishing of the report; `( if furnished for employment purposes or in connection with a credit transaction-- `(i) the information to be furnished is relevant to process or effect the employment or credit transaction; and `(ii) the consumer provides specific written consent for the furnishing of the report that describes in clear and conspicuous language the use for which the information will be furnished; or `© the information to be furnished pertains solely to transactions, accounts, or balances relating to debts arising from the receipt of medical services, products, or devises, where such information, other than account status or amounts, is restricted or reported using codes that do not identify, or do not provide information sufficient to infer, the specific provider or the nature of such services, products, or devices, as provided in section 605(a)(6). `(2) LIMITATION ON CREDITORS- Except as permitted pursuant to paragraph (3)© or regulations prescribed under paragraph (5)(A), a creditor shall not obtain or use medical information pertaining to a consumer in connection with any determination of the consumer's eligibility, or continued eligibility, for credit. `(3) ACTIONS AUTHORIZED BY FEDERAL LAW, INSURANCE ACTIVITIES AND REGULATORY DETERMINATIONS- Section 603(d)(3) shall not be construed so as to treat information or any communication of information as a consumer report if the information or communication is disclosed-- `(A) in connection with the business of insurance or annuities, including the activities described in section 18B of the model Privacy of Consumer Financial and Health Information Regulation issued by the National Association of Insurance Commissioners (as in effect on January 1, 2003); `( for any purpose permitted without authorization under the Standards for Individually Identifiable Health Information promulgated by the Department of Health and Human Services pursuant to the Health Insurance Portability and Accountability Act of 1996, or referred to under section 1179 of such Act, or described in section 502(e) of Public Law 106-102; or `© as otherwise determined to be necessary and appropriate, by regulation or order and subject to paragraph (6), by the Commission, any Federal banking agency or the National Credit Union Administration (with respect to any financial institution subject to the jurisdiction of such agency or Administration under paragraph (1), (2), or (3) of section 621(, or the applicable State insurance authority (with respect to any person engaged in providing insurance or annuities). `(4) LIMITATION ON REDISCLOSURE OF MEDICAL INFORMATION- Any person that receives medical information pursuant to paragraph (1) or (3) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order. `(i) MEDICAL INFORMATION- The term `medical information'-- `(1) means information or data, whether oral or recorded, in any form or medium, created by or derived from a health care provider or the consumer, that relates to-- `(A) the past, present, or future physical, mental, or behavioral health or condition of an individual; `( the provision of health care to an individual; or `© the payment for the provision of health care to an individual. `(2) does not include the age or gender of a consumer, demographic information about the consumer, including a consumer's residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy.'.

Looking at what was sent I noticed it even lists medicine and mg's I was given. This cant be ok to send to just anyone, right?

Before I knew the HIPAA dispute process I contacted a CA for verification of a medical collections on my credit reports. They sent ALL my medical info (from the hospital) from a surgery I had in 09 to a lawyer I had previously used in a bankruptcy case and said they seen where I used them in the past and thought they would send the info to them to forward to me. Is this not some type of privacy violation? I dont want to sue anyone, I really just want the two collections gone from my credit reports (unless I could get paid a good amount).. It really bothers me that a law office seen that info of mine. I mean who opens the mail there, anyone could have seen the information. Thanks

Oddly enough, my Fico and Fako is not much different. So bad it cant go anywhere but up!!!

In case they have to sue for payment or put a lein against you is what I would think.

Looking at my Equifax report and my mortgage is not showing up. Some say leave it off and not contact EQ and some say other wise. What should I do to make sure adding it will not hurt my score even more. I thought having more diverse credit types would help but I want to be sure. Thanks, Park

maybe send a copy of a utility bill and a copy of your DL with the letter as long as the address you want listed is on the copies you send.

Sounds like a plan to me.. Thanks

Getting some of my letters in sent to CA's for verification . CA's response was that my 30 days to dispute has expired long ago. They continued to write that they checked there records and are reporting accurate information. They also stated that the verification process does not require any further proof of the debt and no further documentation will be sent to me. What a nice bunch of guys they are..lol What do you all think? Park

Getting some of my letters in sent to CA's for verification . CA's response was that my 30 days to dispute has expired long ago. They continued to write that they checked there records and are reporting accurate information. They also stated that the verification process does not require any further proof of the debt and no further documentation will be sent to me. What a nice bunch of guys they are..lol What do you all think? Park

Are you talking about a medical collection?? If so, it is possible that your dispute activated some kind of automated reporting system at the CA, remember the CAs have to PAY to report to each CRA and some just limit their reporting to 1 unless and until they have some kind of response. Yes it is completely legal. Yeah, medical collection. Well, I guess i'll wait to see there response in a few weeks. Thanks