What if you called the insurance company and asked if someone say a child covered under that insurance until age 19 and they told you that the insurance would be good for that entire month after he turned 19, then the insurance company refused to pay the claim. If I had known the insurance Comapny wasn't going to pay I would have came up with the money before I took him or made arrangements for it. The Doctor's office called a month after the visit and said the insurance had refused to pay. I don't always get statements from the insurance company. I called insurance company and they said for them to refile it. Of course when they did they again refused to pay. I told the doctors office they would have to talk to the insurance company and not to me. Two months later I get called by the doctors office saying we have no current insurance anymore. Duh I know that now they canceled it when my husband lost his job there two months after my son had the procedure. Now we are in a tight because hubby lost job. Now he was employed somewhere else eithin two weeks, but still you struggle for a while even after a short bump like that and have to play catch up for a while. They were not willing to work with me on payments then. Now it is in collections with Allian Collections. It was according to my CR with collections NCO-MEDCLR with an open date of 05/23/02, then sold or assigned to Allian. My son went to the doctor in January of that year. Should I pre HIPAA dispute with CRAs or DV the CA for Validation?
Thanks in advance.

Do not DV the CA. Opt out and delete old addresses. Send pre-hipaa to the CRA's that are reporting.

http://whychat.5u.com/hipltr.html#DISPUTE

"bbjdb" is correct, however in THIS case you ALSO need to send the CA a "special" DV/SOL letter at the same TIME you send the medical dispute letter to the CRA's.

Make sure you have opted out and deleted old addresses on your reports. It is true that NORMALLY I do not suggest a DV to a CA on a medical account, but in THIS case it is appropriate, make SURE you send a STRONG one and do NOT sign your name.Here is a good one that I have "edited" for your purposes.

Your Name
123 Your Street Address

Your City, ST 01234


ABC Collections

123 NotOnYourLife Ave

Chicago, IL

Date: _________ CRRR#____________

Re: Acct # XXXX-XXXX-XXXX-XXXX

To Whom It May Concern:

This letter is being sent to you in response to your attached letter.
(If you have nothing in writing use the phrase "recent communication)

This is not a refusal to pay, but a notice that your claim is disputed.

Under the Fair Debt Collections Practices Act (FDCPA), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt.

Your legal staff will agree that compliance with this request is required under the laws of (State name) and Federal Statutes.

In addition, please attach copies of:

Agreement with your client that grants you the authority to collect on this alleged debt,or proof of acquisition by purchase or assignment.

Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and if this is a medical account a copy of any assigned HIPAA authorization.

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities.

Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns

I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim.

In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities ,the BBB and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion and illegal collection activities on an account that would be time-barred as well as subject to the HIPAA and (name of your State) medical privacy rules.

I also hereby reserve my right to take private civil action against you to recover damages.

Sincerely,

Your Name(PRINT OR TYPE DO NOT SIGN)

Thanks Whychat

Thanks for the advice and letter. I have already opted out. I sent my letters for address changes/deletions yesterday. Written in purple ink in italics and Purple italics on the envelopes, with a copy of driver's license and electric bill showing my name and address and recent date. I also sent for a name correction to Experian since for some reason they think my middle name is Null. My middle name or my maiden name does not start with N. I suppose I should wait until I hear something from the CRAs before I send the pre-hipaa or the dv to the ca. Again many thanks for all on this board for being so helpful.