My wife has a couple medical accounts that are reporting for like $650. I want to send payment but Iowa does not allow restrictive endorsements on checks/MO. How can I make sure that the OC cashes it and not the CA?

Thanks

The restrictive endorsement on the MONEY ORDER is legal in ALL States under the Federal Banking Act, it has NOTHING to do with the so-called "restrictive endorsements" that require a reduction in the amount of $$ being paid.

A "for deposit only" endorsement is the most common type of banking endorsement and is used all over the Country, ( and probably the World) to insure that only the party the check is paid to is the one who deposits it.

Before paying anyone anything, you need to make sure that the accounts being reported are legitimate.

How old are these accounts, ( what was the date(s) of service)??


Follow these directions for both you and your wife.

Opt out
http://whychat.5u.com/OPTOUTINST.HTML

Delete old addresses if possible

Send the medical dispute letter to any CRA where this is reporting.
http://whychat.5u.com/hipaadisp.html

If it is not deleted send this to the reporting CA
http://whychat.5u.com/ltrcavalhipaa.html

And follow up with this
http://whychat.5u.com/ltrcavalhipaa.html#DISPUTE

If these accounts are VERY RECENT, within the past 2-3 years AND you receive a response from the reporting CA that documents the accounts together with all accurate dates and names, then you can pay each OC ( original creditor health care provider) the correct amount due with the HIPAA letter insert "a"( be sure to use the VALID BANK DEPOSIT restrictive endorsement)
http://whychat.5u.com/hipltr.html


If you have further questions, please post them on THIS thread, do not start a new one.