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  1. I don't need any advice per-se, but perhaps this will help someone else out. I had one last medical collection for $300 where they absolutely refused to do a PFD. I sent a settlement offer and it went unanswered. I gave them 30 days to write me back. When I didn't hear anything, I sent WhyChat's Medical DV to the CA and still haven't heard anything after 20 days or so (I figured it wasn't too unusual with all the stuff going on, but at the same time--this "Mom and Pop" collection agency is actually in my city. So mail shouldn't be an issue. ) I just got an alert from Equifax and Transunion that it has been removed! Experian always seems to be the slow turtle at removing things, but I'm sure it will fall off this month as well. I was pretty annoying with my methods as I'd call the OC to get it "pulled back" and such, they kept saying we don't own the debt anymore, etc. So I also realize I didn't do everything in order, but that last letter I sent out...it did something they couldn't prove or didn't / couldn't screw with HiPAA. Anyhow, I hope this helps someone and thanks again for your efforts here WhyChat. Feel free to PM me a way to get you $10 or so for you to enjoy a beer / glass of wine / etc on me as a thank you. As far as data points, it really kicked up my lowest on Equifax for 18 points. I think the biggest increases I saw were in the Auto Enhanced and Mortgage Scores. Some of those went up by +30 points. EDIT: Another thing I wanted to add in here was I had a second collection I was working on where they absolutely refused to do a PFD as well. (that's usually my starting point in conversation, then I move over to the WhyChat method). So with this, I was able to call the OC and ask the same thing. They said I could pay them, but they would just have to let the CA know it was paid. I said no, this isn't going to work. Can you tell them to remove it? She put me on hold to talk to her supervisor and advised that if I paid, they would attach a note asking them to remove the account, but that's the best they could do. It was an $89 collection, so I figured I would take the gamble. It was off in two days after payment to OC. I know that was a big leap of faith to take, but it paid off!
  2. UPDATE: The Law Office wrote back and I got the following: "We have reviewed with our client your letter which either requested validation of the debt or indicated some dispute with regard to the above referenced account. We have been advised that the balance of the account as set our herein is valid.A copy of the response we received from XYZ Medical Center is enclosed herewith. I urge you to consider the notations XYZ Medical Center has included on our validation. We have been directed to proceed with our collection effort. We will without such effort for a period of 10 days should you desire to contact our office to establish payment arrangements to pay the above balance. This letter is an attempt to collect a debt and any information will be used for that purpose. Very truly yours, Scum Lawyer" Now they included a form filled out with "Verbal Disclosure of Protected Health Information" that has my information on it and what appears to be a signature that might be mine. However, my Father is the only one listed on here that I authorized to have PHI disclosed to. So it looks like they were maybe hoping I wouldn't read that I signed a disclosure for MY FATHER, not a JDB. My second issue is: Did they violate my rights in any way by sending all that extra information to the JDB? Granted it's just a medical release form, but it has nothing to do with them. Thank you in advance! "
  3. Thank you so much for taking the time to reply. The reason I sent that letter is that there is nothing about this alleged debt or even this company on my credit reports. If I understand the program correctly, that would have me skip to this step, right? I thought this was next since they are not reporting anything on my reports. I will post back their response, if they even send one as they said they would, in hopes this helps anyone else that is in a similar situation.
  4. Hi all, I sent the first letter on WhyChat's site: https://whychat.me/ltrcavalhipaa.html to the CA assigned to an alleged medical debt and got this back from them (it is a law office as well which makes their response even weirder): "Dear xxxxxx, We have receive your correspondence with regards to the above referenced matter. We have discontinued all collection efforts and forwarded your letter to our client for their review. In your letter you have asked for information which does not exist or, at this point, I do not believe we are required to provide. Therefore, I have asked our client to review your file to see if there is any basis for instructing us to stop collection efforts on this account. Upon receipt of their response, we will notify you of our client's position and to how we have been directed to proceed. If you make a written request, we will provide you with certain documentation from our client about your account which shows: Your full name, the account number associated with the debt by out client, the amount our client claims is owed, and either documentation showing your authorization of the debt or other information provided to you by our client about the debt. This information will be provided to you once per year without cost and will be sent within 30 days of your request." Very Truly, Fake Name Here Attorney at Law" What confuses me the most is you'd think a LAW OFFICE would know the law on whether or not they are required to provide this information. Second of all, if they didn't know, why are they asking the original creditor for what seems to be "legal advice"? In a sense, it does seem like my letter to them has worked in part. P.S. The medical collection is for $86.00. Is it possible they will just write this account off as I can't imagine replying to my letters are going to be cheaper than the $86 I am disputing. P.S.S.: The letter also came with an insert that looks to be a pretty crummy validation. It includes data such as the Service provider, Provider account #, Service use dates with admit and discharge, and Beginning balance. Thanks in advance!
  5. The date of service was November 2019. I've been opted out for quite a while now and have already gotten old addresses removed. Looks like I'll be sending OC a letter! Thanks WhyChat!
  6. I tried looking all over WhyChat's website and I can't find an option for me. Nothing is on my Credit Report about this alleged debt, so can't send the CRAs any letters. Is the next step to send the letter to the OC with insert (a) OR do I DV the CA with the letter provided on the site? Thanks!
  7. Awesome! It is not reporting, so looking forward to that! Thanks!
  8. I've seen a few of these threads where someone DVs a CA for a medical bill and they send back something like "In order for us to get the itemization you requested, under HIPPA we'll need your signature and last 4 of social below." I know not to sign, but what are the follow up steps for this? Since they can't produce anything itemized, what kind of letter should be sent to them? Something that just says "Well, if you can't produce the info and verify it really is me, FOAD"? Thanks, BRB
  9. Yes, sorry about my wording. Filed for BK 7 in 10/2016 and Discharged in 01/2017.
  10. Nothing is reporting to any CBs--yet. I actually made a mistake in my wording. I filed for Ch. 7 BK in 10/2016, but I was not discharged until 01/2017. I need to go to bed earlier At any rate, since the Date of Service was in between, and then I was discharged after the fact--I believe this should be IIB? My attorney advised me at the time if anything was overlooked, it wasn't the end of the world with CH. 7 as they advised you just provide the creditor "notice" and they should FOAD. This has worked a few times for things that occurred before BK. However, I did just have an "ah...." moment where you mentioned this could have been assigned after I filed. I would still think that would make the debt with the OC null and void and therefore the CA shouldn't have any ground. I was insured at the time of service, however, they didn't bill my insurance company for some odd reason. I will start with the beginning steps of opting out, deleting old addresses, etc and reading the program. Thank you! BRB
  11. Okay, so I got a dunning letter from a collection agency about an alleged debt a week ago. I sent them a DV letter and they responded with the following information on a sheet with a footnote at the bottom stating "This is a communication from a debt collector" (so I know the PHI didn't come directly from OC). Patient's name Doctor's name Detailed Lab work done with amounts Total Due 1) Did the CA violate any HIPAA laws by providing a detailed bill with personally identifiable information? 2) Since I filed CH. 7 BK in 01/2017 and the dates of service are from 11/2016, would that not be included in my BK? If so, I should just be able to send them my BK document and they should FOAD. 3) Do none of these apply and perhaps I should just PFD? Which option is best here? Thanks, BRB
  12. If you pay OC all collection attempts will stop. You will be off the hook. In other words paying will stop reporting. Awesome! I do have one question, though. I had cash in hand at the teller window and asked a few questions before paying. She did advise they will "forward" this payment on. Now, whether it's to this CA or their internal "Recovery Department" I couldn't get clarification on. I had to take a gamble and went ahead and paid it--at the minimum to stay out of chex systems. I did get a receipt, print out of current account balance (statement doesn't have the bank name ANYWHERE on this, found that odd), asked for one with their logo/letterhead and she advised since my account was closed two weeks ago, she can't print a statement. I fear I may have just paid a collection Since it's not reporting anywhere, wouldn't it be best to let sleeping dogs lie? If it does come up from the CA they hired, then I will send that letter? I also suppose there is no recourse if THEY actually report it themselves as a charge-off? She did comment at the end that she didn't think it would report since the account was only closed two weeks ago. However, you get told 10 different things from 10 different people.
  13. Thank you! I will send this letter out as well.
  14. Sounds good. I'll pay OC in person at a branch tomorrow. As far as the debt type, if it helps, I had something setup to come out of this bank account and forgot about it. Overdraft protection kicked in and it was accidentally left at the -$200.00 balance.
  15. Okay, I feel like I have an interesting situation on my hands. I've been reading through the other threads where people have paid the OC and most of them got the account deleted from their report. However, nothing is showing up on my reports yet. In fact, this CA "Transworld Systems INC" sent me what appears to be a dunning letter and has all the verbiage of "This is an attempt to collect a debt..", but for the payment it is showing to send it to the OC (their account recovery department). I also called the bank that I may owe this money to and asked if I could pay inside a branch and she said "Oh yes. Just give them your information." I didn't give her any of mine. So my question is this: If I go into a branch of the OC and pay this, get a receipt, etc.--can I count on this NOT ever reporting? Are there other steps I need to take before paying the OC? A PFD letter doesn't seem appropriate since there's nothing to delete. Help! Thanks, BRB

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