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Why Chat

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  1. I am saddened and concerned that the bulk of your inheritance consists of bitterness and bad memories. I sincerely hope that you have learned to be a better person than your family members were.
  2. 1st of all-- you apparently did NOT read and follow the directions. https://whychat.me/GUIDEBOOK.html You can also print a priority mail label on line with a USPO account. Make sure you do NOT add signature requirements. You can fit the label on a 6x10 envelope by folding under the bottom. https://whychat.me/hipaadisp.html Send them a copy of the report with the collection circled (make sure you have it mailed to you NOT on line) with a copy of the SAME ID data you SHOULD have used in the FIRST STEPS in the guide.
  3. Yes you can do it yourself IF you wish, however since they are already garnishing your wages you were obviously not notified by your payroll department when they received the initial notification of garnishment. If you had received the required notice you would have had time to stop the actual exercise of the order. As it is I am not confident that you can handle this yourself as your employer may have not followed proper procedures and notification requirements. If you are able to see exactly what was filed and what notifications were sent to your old address you may be in a better position to decide what to do. There are free legal services that may be available and IF there are violations that can be documented a lawyer would be able to take the case on a contingency basis. https://www.consumeradvocates.org/findanattorney/
  4. Get a copy of the "wage garnishment" from your payroll department. Check to see if it refers to any judgment OF RECORD ie book & page and name of the Court. If you have that information you can check the records on line. Get a lawyer to file an appropriate motion and answer and countersue for damages if Portfolio does not have a recorded assignment of the judgment from the original creditor.
  5. I do NOT suggest you contact the dentist or the CA in any manner that would suggest that you are willing to pay anything. That would be an open invitation to file suit against you for the entire amount plus legal fees. The language in the letter that you copied to this post is ABSOLUTELY necessary as the CA would have to submit not only complete account records but an assignment from the dentist of the account that INCLUDES YOUR SIGNED HIPAA RELEASE. Without a COMPLETE assignment the CA has NO right to collect on a medical debt, Make sure you have a copy of your insurance company's EOMB and a copy of their denial of the claim because of their failure to file in a timely manner.
  6. I hope you kept records of your attempts to get this resolved. At this point you are almost past the 4 year SOL (statute of limitations) for being sued for this "debt". https://whychat.me/States/state-tx.html If you receive any communication from the CA you need to respond with a request for validation and a denial of the claim. https://whychat.me/ltrcavalhipaa.html Please use the pertinent portions . If you have not recently checked your credit reports please do so immediately: https://whychat.me/GUIDEBOOK.html Meanwhile contact your insurance Co. and get whatever records they may have about this claim. It is possible that they did in fact pay something to the dental office or denied the claim for some reason. You should also "google" the name of the dental office and add the word "complaints" to your search.
  7. Follow the guide: https://whychat.me/GUIDEBOOK.html Once you have cleared your reports of old addresses and/or duplicate ss#s or other errors send a certified letter WITHOUT a signature request to any CRA where this "judgement" is reporting notifying them that the reporting of a judgement to them from this CA is false and illegal and requesting immediate deletion. Send a copy with a cover letter certified WITHOUT a signature required to the CA with a cover letter stating that you are prepared to file suit against them for defamation and will be reporting them to the proper authorities for their violation of the FCRA.
  8. Follow the guides; https://whychat.me/GUIDEBOOK.html Depending on the type of account ( medical has it's own program HIPAA guide) you would be using this for credit card accounts; https://whychat.me/SOL PROGRAM GUIDE.html If you are within the SOL ( statute of limitations) for being sued you should NOT dispute or "verify" anything. Look up your State's SOL here https://whychat.me/States/states.html
  9. I agree- sue them AND the landlord for defamation and violation of the FCRA get a consumer lawyer to take the case
  10. Here is a step by step guide https://whychat.me/GUIDEBOOK.html
  11. Requesting "validation" has no effect on the legality of collection activity beyond the legal SOL. As to the "original creditor" or date of last payment-- that too is of no import as the poster has stated that it is beyond the 4 year SOL in Florida. The OC may be a school or even possibly some other institutional entity. The subject CA is infamous for trying to collect on such accounts that have long since been paid off or were forgiven.
  12. They are a CA with HORRIBLE reviews and many complaints -- they should be ignored as they have no ability to do anything except annoy you. If they call you tell them you will be reporting them to the proper authorities. https://nexacollect.com/conserve/
  13. What are you trying to accomplish?? If this is a recent debt (within the past 2 years) and is NOT a medical debt you may have caused more harm than good by requesting "validation" as you are likely to be sued. If it is older than 2 years and is beyond the legal SOL (statute of limitations) for your State (look up your State here): https://whychat.me/States/states.html you MAY be able to get it removed from your credit reports by following this program; https://whychat.me/GUIDEBOOK.html
  14. I suggest you take the $20,000 and invest it in a used car instead of trading off the $$ in interest you might get from investing it for the MINIMUM 7% interest you would be paying on a car loan.
  15. Name calling on this forum is unwarranted. We have been helpful to many many people for the past 20+ years but you apparently prefer to antagonistic and nasty. I posted on Sept. 28 If you can pay the OC hospital directly the $900 do so with this letter. https://whychat.me/hipltr.html Insert A If you had provided the correct date of service in the first place we could have both saved a lot of time and postage DO NOT TRY TO PAY LESS THAN THE AMOUNT OWED OR YOU WILL FIND YOURSELF WITH A NEW COLLECTION AMOUNT ON YOUR REPORTS
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