I am a newbie and am struggling on few issues. I recently learn t about credit boards and am impressed with the wealth of information posted here. I read through all the newbie information but am still some what not sure about my approach to resolve them.
I recently pulled my CR’s from all three CRA’s. I found 4 negative line items. Let me describe the situation on each one
Negative item 1 : Medical Bill
BACKGROUND: In 2001 I went through a medical clinic for cryopreservation of embryos. The clinic further used external labs facility. I signed all contract and we went through explanation of all charges of clinic and lab and got pre approval of each charge from insurance. I wrote a hand written note on contract before signing that “only upfront disclosed charges would be paid” since the 100% process was covered by insurance except the storage of embryos.
The company (Lab) offered either an upfront $1200 for two years or $55/month for storage. I opted the latter and paid each month and have all receipts.
I was sent a $1200 bill by the Lab which I disputed and later got inherited by a CA. I wrote letters to them along with receipts but never heard back. Later I got an explanation from the Lab that $1200 was for processing and not storage, however it was not disclosed as a charge, and neither part of contract, so never came into picture.
The item has been on my CR since then and we have been fighting this battle for last few years. I also got a letter from their attorney, who I replied with all receipts and details of contract and never heard back. I even reported to BBB, but no help.
The item is expected to be off the CR on 10/2008, however we intend to apply for a mortgage this summer and would like to get this off of my CR. Please advise the best option
Negative item 2 &3 :Medical Bill
I was admitted in the hospital in 2001 who failed to bill two line items to the insurance and was not picked up by them until they went through an audit a year or two later. They tried to contact us but we had moved. The hospital sold their debt to a CA who reported it on my CR in 2006. These two items are also expected to come off from my report in 10/2008. I called the CA and they have offered to settle this dispute at 60%. The settlement amount is $144. I am OK to settle as long as they delete the line item from my record. Please advise.
Negative item 4 : Medical Bill
I was once again was admitted in the hospital in October 2005 and the bills were sent to insurance, who sent the bills back for justification from physician. The back and forth process and Christmas time took few months and finally the account was all paid in April 2006. In the mean time the hospital had sent the case to CA. The CA never contacted me, however reported on my credit report in late 2007 as it is not on my Feb 2006 and Feb 2007 credit reports. If the account was paid in April 2006, why did they report in late 2007. I have sent them the whychat HIPPA validation letter and awaiting respone .
I have read through the various threads here and have used Whychat’s HIPPA validation letter and sent to items 2,3 and 4 and awaiting reply. How should I deal with the 1st issue?
Like I mentioned earlier that we are getting ready to apply for a mortgage this summer, please advise what are my best options here.
Thanks in advance.
Sarah
Full Version: Collections on Paid bill -Whychat help !!!!!
I've been in contact with whychat and he is going to tell you to use the HIPAA letters. First start with the dispute and ONLY after you get a response from the CRA send the HIPAA letters with B insert. I am going through this as well.
QUOTE(brownneck @ Mar 6 2008, 08:07 PM) 
I am a newbie and am struggling on few issues. I recently learn t about credit boards and am impressed with the wealth of information posted here. I read through all the newbie information but am still some what not sure about my approach to resolve them.
I recently pulled my CR’s from all three CRA’s. I found 4 negative line items. Let me describe the situation on each one
Negative item 1 : Medical Bill
BACKGROUND: In 2001 I went through a medical clinic for cryopreservation of embryos. The clinic further used external labs facility. I signed all contract and we went through explanation of all charges of clinic and lab and got pre approval of each charge from insurance. I wrote a hand written note on contract before signing that “only upfront disclosed charges would be paid” since the 100% process was covered by insurance except the storage of embryos.
The company (Lab) offered either an upfront $1200 for two years or $55/month for storage. I opted the latter and paid each month and have all receipts.
I was sent a $1200 bill by the Lab which I disputed and later got inherited by a CA. I wrote letters to them along with receipts but never heard back. Later I got an explanation from the Lab that $1200 was for processing and not storage, however it was not disclosed as a charge, and neither part of contract, so never came into picture.
The item has been on my CR since then and we have been fighting this battle for last few years. I also got a letter from their attorney, who I replied with all receipts and details of contract and never heard back. I even reported to BBB, but no help.
The item is expected to be off the CR on 10/2008, however we intend to apply for a mortgage this summer and would like to get this off of my CR. Please advise the best option
Negative item 2 &3 :Medical Bill
I was admitted in the hospital in 2001 who failed to bill two line items to the insurance and was not picked up by them until they went through an audit a year or two later. They tried to contact us but we had moved. The hospital sold their debt to a CA who reported it on my CR in 2006. These two items are also expected to come off from my report in 10/2008. I called the CA and they have offered to settle this dispute at 60%. The settlement amount is $144. I am OK to settle as long as they delete the line item from my record. Please advise.
Negative item 4 : Medical Bill
I was once again was admitted in the hospital in October 2005 and the bills were sent to insurance, who sent the bills back for justification from physician. The back and forth process and Christmas time took few months and finally the account was all paid in April 2006. In the mean time the hospital had sent the case to CA. The CA never contacted me, however reported on my credit report in late 2007 as it is not on my Feb 2006 and Feb 2007 credit reports. If the account was paid in April 2006, why did they report in late 2007. I have sent them the whychat HIPPA validation letter and awaiting respone .
I have read through the various threads here and have used Whychat’s HIPPA validation letter and sent to items 2,3 and 4 and awaiting reply. How should I deal with the 1st issue?
Like I mentioned earlier that we are getting ready to apply for a mortgage this summer, please advise what are my best options here.
Thanks in advance.
Sarah
I recently pulled my CR’s from all three CRA’s. I found 4 negative line items. Let me describe the situation on each one
Negative item 1 : Medical Bill
BACKGROUND: In 2001 I went through a medical clinic for cryopreservation of embryos. The clinic further used external labs facility. I signed all contract and we went through explanation of all charges of clinic and lab and got pre approval of each charge from insurance. I wrote a hand written note on contract before signing that “only upfront disclosed charges would be paid” since the 100% process was covered by insurance except the storage of embryos.
The company (Lab) offered either an upfront $1200 for two years or $55/month for storage. I opted the latter and paid each month and have all receipts.
I was sent a $1200 bill by the Lab which I disputed and later got inherited by a CA. I wrote letters to them along with receipts but never heard back. Later I got an explanation from the Lab that $1200 was for processing and not storage, however it was not disclosed as a charge, and neither part of contract, so never came into picture.
The item has been on my CR since then and we have been fighting this battle for last few years. I also got a letter from their attorney, who I replied with all receipts and details of contract and never heard back. I even reported to BBB, but no help.
The item is expected to be off the CR on 10/2008, however we intend to apply for a mortgage this summer and would like to get this off of my CR. Please advise the best option
Negative item 2 &3 :Medical Bill
I was admitted in the hospital in 2001 who failed to bill two line items to the insurance and was not picked up by them until they went through an audit a year or two later. They tried to contact us but we had moved. The hospital sold their debt to a CA who reported it on my CR in 2006. These two items are also expected to come off from my report in 10/2008. I called the CA and they have offered to settle this dispute at 60%. The settlement amount is $144. I am OK to settle as long as they delete the line item from my record. Please advise.
Negative item 4 : Medical Bill
I was once again was admitted in the hospital in October 2005 and the bills were sent to insurance, who sent the bills back for justification from physician. The back and forth process and Christmas time took few months and finally the account was all paid in April 2006. In the mean time the hospital had sent the case to CA. The CA never contacted me, however reported on my credit report in late 2007 as it is not on my Feb 2006 and Feb 2007 credit reports. If the account was paid in April 2006, why did they report in late 2007. I have sent them the whychat HIPPA validation letter and awaiting respone .
I have read through the various threads here and have used Whychat’s HIPPA validation letter and sent to items 2,3 and 4 and awaiting reply. How should I deal with the 1st issue?
Like I mentioned earlier that we are getting ready to apply for a mortgage this summer, please advise what are my best options here.
Thanks in advance.
Sarah
Like I indicated, I have sent the validation letter from Whychat's website to item 2,3 and 4 and have received the green card back. I am planning to send the letter to CRA for dispute now. Was that what I was supposed to do?
I am not sure how to proceed on item 1, since I have already had so much correspondence with CA and their attorney in 2003, 2004 and 2005.
I am not sure how to proceed on item 1, since I have already had so much correspondence with CA and their attorney in 2003, 2004 and 2005.
QUOTE(brownneck @ Mar 7 2008, 01:41 PM)
Like I indicated, I have sent the validation letter from Whychat's website to item 2,3 and 4 and have received the green card back. I am planning to send the letter to CRA for dispute now. Was that what I was supposed to do?
I am not sure how to proceed on item 1, since I have already had so much correspondence with CA and their attorney in 2003, 2004 and 2005.
I am not sure how to proceed on item 1, since I have already had so much correspondence with CA and their attorney in 2003, 2004 and 2005.
validation letter to the CAs? With WhyChat's method, you do not communicate AT ALL with the CAs. You send the pre HIPPA dispute letter to the OC and await validation.
I went online to CRA's website and disputed the TL's online, should I send the "followup letter to CRA" from Whychat's site or is it enough
DONT DISPUTE ONLINE!! You need to send the INITIAL pre-HIPAA medical dispute letter to any CRAs reporting this debt. The follow-up letter is not used until after you have paid the OC. You are missing several important steps in the process. You need to go back and re-read everything WhyChat has posted on his website about the HIPAA process.
I wrote it incorrectly, however this is the letter I sent to CA and your link is what I was referring to (my bad)
To Whom It May Concern:
This letter is being sent to you in response to your recent fraudulent verification of an unknown medical account on my xxxxxx report
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.
Please attach copies of:
o Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment.
o Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any 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 any account that is time-barred as well as being subject to the HIPAA and xxxxxx medical privacy rules.
I also hereby reserve my right to take private civil action against you to recover damages.
Sincerely,
To Whom It May Concern:
This letter is being sent to you in response to your recent fraudulent verification of an unknown medical account on my xxxxxx report
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.
Please attach copies of:
o Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment.
o Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any 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 any account that is time-barred as well as being subject to the HIPAA and xxxxxx medical privacy rules.
I also hereby reserve my right to take private civil action against you to recover damages.
Sincerely,
I got an email from Transunion and they have deleted the item 2and 3 from the report. I am waiting for Equifax to do the same. I hope they do.
On another note item 1 and 4 have come as verified on Experian.
On another note item 1 and 4 have come as verified on Experian.
Experian and Equifax have also removed 2,3 and 4. So 2,3 and 4 are removed from all CRA. I need some guidance on #1, since it came as verified and has additional information on contacting the Attorney or Law office of XXXX. The verified piece came for my electronic dispute. I had not yet sent the CMRR letter DV yet.
Like I had indicated, I have had substantial communication with the CA and Attorney in 2003, but in vain. Should I start the process with a DV letter CMRR?
Like I had indicated, I have had substantial communication with the CA and Attorney in 2003, but in vain. Should I start the process with a DV letter CMRR?
Another question is : Since this is from October 2001 and I use to live in VA and now in WV. Is it expired per SOL
STATUTE OF LIMITATIONS (IN YEARS) for VA
Open Acct.: 3 Last charge or payment
Sales of goods 4 years
Written Contract: 5
STATUTE OF LIMITATIONS (IN YEARS) for VA
Open Acct.: 3 Last charge or payment
Sales of goods 4 years
Written Contract: 5
QUOTE(brownneck @ Mar 27 2008, 07:56 PM)
Another question is : Since this is from October 2001 and I use to live in VA and now in WV. Is it expired per SOL
STATUTE OF LIMITATIONS (IN YEARS) for VA
Open Acct.: 3 Last charge or payment
Sales of goods 4 years
Written Contract: 5
STATUTE OF LIMITATIONS (IN YEARS) for VA
Open Acct.: 3 Last charge or payment
Sales of goods 4 years
Written Contract: 5
If this is a Dr. or dentist bill the legal SOL is 4 years, if it is a hospital or ambulance /rescue service bill, it has NO effective SOL for being sued.
It was an out patient facility used by my Doctor, however like, I had indicated we made the payments. Here is the Summary of issue
Negative item 1 : Medical Bill
BACKGROUND: In 2001 I went through a medical clinic for cryopreservation of embryos. The clinic further used external outpatient facility. I signed all contract and we went through explanation of all charges of clinic and facility and got pre approval of each charge from insurance. I wrote a hand written note on contract before signing that “only upfront disclosed charges would be paid” since the 100% process was covered by insurance except the storage of embryos.
The company (facility) offered either an upfront $1200 for two years or $55/month for storage. I opted the latter and paid each month and have all receipts.
I was sent a $1200 bill by the facility which I disputed and later got inherited by a CA. I wrote letters to them along with receipts but never heard back. Later I got an explanation from the Lab that $1200 was for processing and not storage, however it was not disclosed as a charge, and neither part of contract, so never came into picture.
The item has been on my CR since then and we have been fighting this battle for last few years. I also got a letter from their attorney, who I replied with all receipts and details of contract and never heard back. I even reported to BBB, but no help.
The item is expected to be off the CR on 10/2008, however we intend to apply for a mortgage this summer and would like to get this off of my CR. Please advise the best option
Negative item 1 : Medical Bill
BACKGROUND: In 2001 I went through a medical clinic for cryopreservation of embryos. The clinic further used external outpatient facility. I signed all contract and we went through explanation of all charges of clinic and facility and got pre approval of each charge from insurance. I wrote a hand written note on contract before signing that “only upfront disclosed charges would be paid” since the 100% process was covered by insurance except the storage of embryos.
The company (facility) offered either an upfront $1200 for two years or $55/month for storage. I opted the latter and paid each month and have all receipts.
I was sent a $1200 bill by the facility which I disputed and later got inherited by a CA. I wrote letters to them along with receipts but never heard back. Later I got an explanation from the Lab that $1200 was for processing and not storage, however it was not disclosed as a charge, and neither part of contract, so never came into picture.
The item has been on my CR since then and we have been fighting this battle for last few years. I also got a letter from their attorney, who I replied with all receipts and details of contract and never heard back. I even reported to BBB, but no help.
The item is expected to be off the CR on 10/2008, however we intend to apply for a mortgage this summer and would like to get this off of my CR. Please advise the best option
Let me be very specific: Here is the URL of the facility
www dot dominionfertility dot com
My Doctor was just using this facility, since his facility was undergoing construction.
www dot dominionfertility dot com
My Doctor was just using this facility, since his facility was undergoing construction.
QUOTE(brownneck @ Mar 27 2008, 08:12 PM)
It was an out patient facility used by my Doctor, however like, I had indicated we made the payments. Here is the Summary of issue
Negative item 1 : Medical Bill
BACKGROUND: In 2001 I went through a medical clinic for cryopreservation of embryos. The clinic further used external outpatient facility. I signed all contract and we went through explanation of all charges of clinic and facility and got pre approval of each charge from insurance. I wrote a hand written note on contract before signing that “only upfront disclosed charges would be paid” since the 100% process was covered by insurance except the storage of embryos.
The company (facility) offered either an upfront $1200 for two years or $55/month for storage. I opted the latter and paid each month and have all receipts.
I was sent a $1200 bill by the facility which I disputed and later got inherited by a CA. I wrote letters to them along with receipts but never heard back. Later I got an explanation from the Lab that $1200 was for processing and not storage, however it was not disclosed as a charge, and neither part of contract, so never came into picture.
The item has been on my CR since then and we have been fighting this battle for last few years. I also got a letter from their attorney, who I replied with all receipts and details of contract and never heard back. I even reported to BBB, but no help.
The item is expected to be off the CR on 10/2008, however we intend to apply for a mortgage this summer and would like to get this off of my CR. Please advise the best option
Negative item 1 : Medical Bill
BACKGROUND: In 2001 I went through a medical clinic for cryopreservation of embryos. The clinic further used external outpatient facility. I signed all contract and we went through explanation of all charges of clinic and facility and got pre approval of each charge from insurance. I wrote a hand written note on contract before signing that “only upfront disclosed charges would be paid” since the 100% process was covered by insurance except the storage of embryos.
The company (facility) offered either an upfront $1200 for two years or $55/month for storage. I opted the latter and paid each month and have all receipts.
I was sent a $1200 bill by the facility which I disputed and later got inherited by a CA. I wrote letters to them along with receipts but never heard back. Later I got an explanation from the Lab that $1200 was for processing and not storage, however it was not disclosed as a charge, and neither part of contract, so never came into picture.
The item has been on my CR since then and we have been fighting this battle for last few years. I also got a letter from their attorney, who I replied with all receipts and details of contract and never heard back. I even reported to BBB, but no help.
The item is expected to be off the CR on 10/2008, however we intend to apply for a mortgage this summer and would like to get this off of my CR. Please advise the best option
Opt out ( You should do this anyway before applying for any mortgage loans) You can make one phone call to 1-888-567-8688 [1-888-5-OPTOUT] to opt-out.
Delete old addresses
Send the reporting CA this:
http://whychat.5u.com/ltrcavalhipaa.html
Send any CRA where it is reporting the follow up letter as soon as you have proof of receipt of the medical DV
( Be sure to use the FIRST medical DV letter and not the "paid" one, as although it was paid it is reporting as unpaid.)
P.S. Are your stored embryos safe??
Thanks, for the prompt response
We authorized them to destroy the embryos, once we had our two kids; a hasty decision made in hind sight. I guess I was frustrated with them and did not want to deal with them any more..
We authorized them to destroy the embryos, once we had our two kids; a hasty decision made in hind sight. I guess I was frustrated with them and did not want to deal with them any more..
I have sent the DV to IC Systems... Hope it works for #1
Whychat you have done some excellent ground work...a true service to community
Whychat you have done some excellent ground work...a true service to community
QUOTE(Why Chat @ Mar 28 2008, 10:50 AM)
Opt out ( You should do this anyway before applying for any mortgage loans) You can make one phone call to 1-888-567-8688 [1-888-5-OPTOUT] to opt-out.
Delete old addresses
Delete old addresses
I have opted out. How do I delete old addresses? How old can I delete it? Are they required to maintain 7 or 10 years?
QUOTE(brownneck @ Mar 29 2008, 08:18 AM)
QUOTE(Why Chat @ Mar 28 2008, 10:50 AM)
Opt out ( You should do this anyway before applying for any mortgage loans) You can make one phone call to 1-888-567-8688 [1-888-5-OPTOUT] to opt-out.
Delete old addresses
Delete old addresses
I have opted out. How do I delete old addresses? How old can I delete it? Are they required to maintain 7 or 10 years?
This link has a link to my "delete addresses" post.
http://creditboards.com/forums/index.php?showtopic=255900
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