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  1. Hello, Please forgive my ignorance. I have quite a few medical bills on my credit report, and a few more that will be hitting after the new 180 rule. My question is in reference to " If the accounts are verified AND you receive a response FROM THE REPORTING CA ( Collection Agency) with account details that MATCH your records, you can then pay the ORIGINAL CREDITOR HEALTH CARE PROVIDER directly using the HIPAA letter insert "a", be sure to follow ALL the directions" What if the OC does not cash the payment. For instance, I have been told by the hospital for a recent bill that it was handed over to collections and i would have to deal with them. My worry is that sending them a certified bank money order, and them not cashing it, is my money just floating out there in space. Thanks a ton Scott
  2. First of all, hello and thanks for all the information. I have a quick question. I have read in other places that the mere fact of asking a CA to provide the material to validate could be construed as the same thing as giving HIPAA permission. I find this hard to believe that asking this would negate the law. To me it would be the same as saying "Hey there buddy, would you kill me?" because no doubt asking for it does not mean its no longer against the law. So if anyone could shed some light on this it would be appreciated as I am about to begin the process soon. Thanks PS. I apologize if this has been asked before, I tried the search function but had no idea what to search for.

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