Hi,

This is all very new to me. I've never had a negative on my report before, but was notified by one of my creditor's that because of something on my credit report, they were freezing my credit. So, I got my credit report and there is a medical bill I have on there for 1998.00 since August 2007. I have been making $100 payments (which they agreed too) and I missed a payment in March (yes dumb me). Anyway, I called the Collection Agency and said that I noticed I've been reported to the CA. She said yes, and that it would be on there for 7 years. I asked her whats the point of continuing payments and she said a 0$ balance even if it's a negative is better than the balance I have right now. Obviously, paying 100 a month for the next 20 months or so was my plan, but now that it's on my credit report I don't know what to do.

I guess my questions are:

1) Should I continue to just pay my monthly payments?

2) Try my hardest to come up with the payoff?

3) Is there ANYWAY to get the negative off my credit report sooner than 7 years?

Thank you kindly!

Um yes. It is a medical collection agency (not the original creditor) that is taking over on behalf of the original creditor. I was making 100 dollar payments a month, missed one month, now it is on my credit report (at least the one I checked - Experian).

Thanks!

Okay, first off what is CMMR?Certified mail return receipt requested

Next, please explain why I am sending the Collection Agency this letter? It seems threatening on my part, and I want to know what I am sending off before I actually do it. They are reporting without having sent you written notice, this is illegal. They were SOLD a "stale" account from the previous CA who you were paying without having validated their right to collect on behalf of the OC. The original account was likely written off as a "charity case" by the OC and you actually did not owe anyone anything, so the CA who got the $$ from you sold a stale illegal account to another CA who decided to try to extort more $$ from you by poisoning your credit reports. The letter is NOT "threatening" it merely tells the reporting CA that you are aware of your legal rights. IF they are actually ABLE to provide PROOF of their right to collect on behalf of the OC, you can then PAY the OC ( original health care provider) whatever legitimate debt has been proven.

I was currently making $100 payments to a collection agency called "Medical Debt Recovery Services, LLC". The original creditor is named "Rosemark Women's Care Center". Now because of one missed payment last month, Experian has a negative report on my Credit Report (I haven't checked the others).
To whom am I sending the letters? The medical dispute letter goes to any CRA that this is reporting on, the "threatening" letter to the CA goes to the CA that is REPORTING Also, should I still be in contact with the original creditor at all? Plus, to make things even worse, I'm pregnant, so I'm receiving care from Rosemark Women's Care Center right now, so that may make things sticky. They have agreed to continue care as long as I'm making payments to them right now (which I am).If you are making payments to them under a prior arrangement, was your "account" being credited with the $$ you had paid to "Medical Debt Recovery Services, LLC". ??

Thank you for helping someone very new to this.

Okay, and I thought of something else. What if when I agreed to services (pregnancy related) I did agree to make payments of some sort but failed to be consistent with the payments? I remember signing something in 2005 saying I would make payments on the account (before I actually had my baby). Rosemark never gave me a letter when they sent me to a collection agency, the letter from Medical Debt Recovery SErvices just showed up one day and since then I have made 100 month payments to them. This is all so confusing.

One more thing . . . I haven't made an April payment to the collection agency (Medical Debt Recovery Services), should I? They reminded me to pay *anything* I could so that they wouldn't have to report even if I couldn't afford the 100 dollars.

Please advise.

Do you get any kind of statement from them or accounting??

Request their reason for the REPORTING CA to have obtained any of your private medical data and if they authorized this unknown CA to collect on the account and place the report on your credit reports. Tell them that you are concerned about ID theft or fraud and need to have this off your reports before you can continue any payments to them. DO NOT tell them you have disputed the account or sent the medical DV to the reporting CA.

I get a monthly balance with the payment being applied, but not shown if that makes sense. Like if I paid 100 one month, the next month the balance doesn't show money being applied or what date or anything, it just says the balance (which is 100 dollars less the previous month).



I am supposed to talk to Rosemark about this, right? Sorry for being so dense, this is all so foreign to me. Thank you so much I really do appreciate your help.

Are you making current payments directly to Rosemark for your current pregnancy BESIDES paying the CA for the "old" account??

Yes, I am currently making payments to Rosemark *and* the collection agency on the "old" account.

Thanks again for your help.

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 recent fraudulent entry of an unknown medical account on my (name of CRA) report"
Send them separate letters for each CRA in one CMRR envelope
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:

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 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 including reporting or verication of existing reports.

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 (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)

Okay Why Chat, I'm getting ready to fire off my 1st letter to Medical Debt Recovery Services, the CA.

So far, I've used this letter:




You told me to ask for a full accounting (POLITELY) and balance due and also that Rosemark is being updated on the accounting. Should I do this on the same 1st letter, and if so, how? If not, in a separate letter? NO NO NO, the "polite" letter does NOT go to the reporting CA, it goes to the CA you were PAYING

Thank you.

Ugh, so now I'm confused, aren't they the same? The reporting CA is Medical Debt REcovery and the CA is Medical Debt Recovery (whom I'm making payments to) or is it not? Sorry, this is confusing.

OC = Rosemark
CA = Medical Debt REcovery
Reporting CA = Medical Debt Recovery???
CRA = Experian

Or am I lost?

There are no other parties involved.

Okay, now we are on the same page. At the top you said to send both letters at the same time. Should I wait until the CRA tells me if the account is verified? Thanks so much!

"This letter is being sent to you in response to your recent fraudulent verification of an invalid medical account on my (name of CRA) report"

Thanks Why Chat, your help is much appreciated. I would like to understand something more though. I know I owe that money to someone (Rosemark), so why am I disputing it to Experian? I don't understand why I am asking them to verify it etc.

Thanks much!

Hi WhyChat!

It's been a few months, but I've received a response from Experian today. The Report says that on July 9, 2008 "Items we investigated" - We completed the items you disputed with the sources of the information. Here are the results: "Credit items - Medical Recovery Servi - Outcome = Deleted"

I'm assuming this is good, but I'm not sure what it means. Do I still need to keep making payments to Medical Recovery Services? I thought you had STOPPED paying $$ to these thieves!! If you haven't stopped, do so NOW. You do not owe them a cent, ( and probably never did) Have they only deleted the "missed payment"? Is the debt valid? Do I need to send a letter to Medical Debt Recovery Services (I never have).

Thank you!!!