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  1. https://800notes.com/Phone.aspx/1-844-881-1552 Lots of complaints- scam call and "phishing" of the phone #
  2. File a complaint with her State's Attorney General and her County law enforcement for fraudulent harassment of a senior citizen. https://www.atg.wa.gov/consumer-protection There is no such thing as ANY agreement that would extend the legal SOL for being sued, (which is actually 3 years in Washington State) https://whychat.me/States/state-wa.html There is no listing for TE&A Litigation services as any kind of collection agency. This is a complete scam. How did you contact them??
  3. Follow the guides; https://whychat.me/GUIDEBOOK.html https://whychat.me/GUIDE HIPAA PROGRAM.html Send the initial dispute letter to the CRAs- list ALL medical accounts as they appear on the report you are disputing https://whychat.me/hipaadisp.html It is possible that some or all of your "dings" from your medical accounts will be deleted. How long ago were the medical visits that are delinquent? If they were due to an not at fault car accident did you have a lawyer representing you for your injuries and the damage to your car??
  4. You were likely looking at your "old" report, not an updated one. Try the back door method again and when prompted log in.
  5. OK, I guess they are tightening things up. Go ahead and click for results. Worse comes to worse you can always keep on sending your disputes snail mail and getting your results via the website. Make sure you opt out again after getting your results.
  6. See if you can access your results via the "back door". Go to the Ex website from a different computer (unless you have been able to clear all your cookies from that site), click on file a new dispute ( don't worry about giving your e-mail address as you will NOT be actually filing a new dispute) This will bring up your current report. Make sure you opt out again when you are done as using the "back door" opts you back in.
  7. If you are using the starting date of the collection account as the DOFD you are off by AT LEAST 6 Months. That date is the date the CA acquired the account not the date of medical service. If you were insured at the time try to get your EOMBs from your insurance Co. they are required to keep records for 5 years. The SOL for being sued for medical accounts in Tx is 4 years. The accrual (starting) date is the date of medical service. https://whychat.me/States/state-tx.html Hopefully you have been following ALL the steps in the program; https://whychat.me/GUIDEBOOK.html
  8. Send the initial dispute letter to the additional CRAs AFTER they have cleared off your original disputes. Otherwise your disputes will be merged and delayed.
  9. The HIPAA letter program has access to a guide for charges (it is within option "a") https://www.healthcarebluebook.com/
  10. Unless you signed your request to the CA they did NOT have permission to report under the HIPAA privacy act. They may have had access to your medical record account but may not have obtained the account data from the OC. The HIPAA privacy release is NOT transferable beyond the initial release by the OC to the initial business associate business partner. You can do what you want, however we will not be able to assist you if you insist of jumping to a DV to the CA before following the initial steps as shown. You still haven't said what the date of medical services were.
  11. If you decide to follow "centex"advice make sure you use the HIPAA letter program to pay the OC (NOT the CA) otherwise you will wind up with a "paid" collection on the report even if it is not now reporting.
  12. Follow the guides; https://whychat.me/GUIDEBOOK.html https://whychat.me/GUIDE HIPAA PROGRAM.html Send each CRA the initial dispute letter. List ALL medical accounts as they appear on the report you are disputing. https://whychat.me/hipaadisp.html When you start mortgage shopping your data is sold by the CRAs to data miners. They in turn sell your account data to JDBs (junk debt buyers) who have access to old discarded invalid accounts.( WHAT WAS the date of medical service??) They poison your reports to get paid $$they are not entitled to. The OC (original creditor health care provider) has nothing to do with this. Opting out BEFORE mortgage shopping would have helped to prevent the poisoning of your reports. Once you have followed the above steps and have your results come back to this post for additional help if you need it.
  13. The "doctrine of necessaries" deals with being sued; Here are the State's laws; https://www.bills.com/debt/debt-management/doctrine-of-necessaries If your spouse is covered under your insurance then you are liable for co-pays and deductibles. If your spouse was NOT covered under your insurance then you have may have no legal liability depending on your State. Send the initial dispute letters and come back here with the results. (BTW--what was the date of medical service?? If it was more than 2 years ago it may be a JDB (junk debt buyer) trying to squeeze $$ from you especially if you have NOT opted out before and have recently applied for a mortgage)
  14. If your spouse was covered under your insurance then any unpaid balances of co-pays or deductibles ARE your responsibility. Follow the guides; https://whychat.me/GUIDEBOOK.html https://whychat.me/GUIDE HIPAA PROGRAM.html Send the initial dispute letter to the CRAs https://whychat.me/hipaadisp.html Please note that this phrase is incorporated into the initial dispute letter; Please advise me as to the name(s) and address(es) of the medical provider(s), the date(s) and type(s) of service,and to whom the service(s) was (were) provided, as any account(s) I might have had may be obsolete.
  15. The account record is dated 2/17/2015 which is the SAME date the CA received the account from ??. The date of service is 8/3/2014 and shows an original balance of $140 - a $30 payment = $110. This is NOT a valid collection. It is NOT a valid response to your medical DV. There is absolutely NO reason to pay the OC anything as it is obvious there is NO current relationship between the OC and the CA. Their claim to have verified with the OC "The creditor Patient First has verified that the following info is correct on your acct" is obviously false. Send the appropriate follow up disputes to the CRAs as the CA response is NOT VALID; https://whychat.me/ltrcavalhipaa.html#DISPUTE

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