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  1. You do not have to delete old addresses. Do you have a copy of the original hospital bill?? If so, what was the date of medical service?? Because it is likely at LEAST 3+ years old you are well beyond any danger of being sued; https://whychat.me/States/state-ari.html Just follow the guides; https://whychat.me/GUIDEBOOK.html https://whychat.me/GUIDE HIPAA PROGRAM.html The initial dispute letter will, in all likelihood get the account deleted from the 2 CRAs https://whychat.me/hipaadisp.html
  2. You misunderstand the program. The guide is VERY clear If the accounts are verified AND you receive NOTHING from the reporting CA, you send the reporting CA this: MEDICAL DISPUTE VALIDATION LETTER For accounts reporting with a balance due https://whychat.me/ltrcavalhipaa.html The fact that you received ZILCH from the reporting CA demonstrates that the debt is NOT valid. The purpose of the medical DV and the follow up dispute is to get it DELETED
  3. OK, Pay no more unless and until you have completed the program. Is this account (the one that you paid) still on any of your other reports??
  4. If you purchased a cashiers check instead of a bank money order you MAY be able to void it, but I doubt it. Consider it a learning experience. So, what you are saying is that 1 or more of these accounts is NOT reporting to all 3 CRAs? Are you also saying that you never followed the guides? https://whychat.me/GUIDEBOOK.html https://whychat.me/GUIDE HIPAA PROGRAM.html You sent the CRAs the initial dispute letter? https://whychat.me/hipaadisp.html They ALL responded that the accounts remain? You sent the reporting CA the medical DV https://whychat.me/ltrcavalhipaa.html and then sent the CRAs the follow up dispute? https://whychat.me/ltrcavalhipaa.html#DISPUTE
  5. ??? The HIPAA guides are ( I thought) pretty clear; https://whychat.me/GUIDEBOOK.html https://whychat.me/GUIDE HIPAA PROGRAM.html If the accounts are verified AND you receive NOTHING from the reporting CA, you send the reporting CA this: MEDICAL DISPUTE VALIDATION LETTER For accounts reporting with a balance due https://whychat.me/ltrcavalhipaa.html
  6. Pay the OC with the HIPAA letter insert "a" https://whychat.me/hipltr.html FOLLOW ALL THE INSTRUCTIONS EXACTLY Please make sure that your payment is in the form of a bank cashiers check or bank money order,(do not use a postal money order). THIS IS CONSIDERED THE SAME AS A CASH PAYMENT, that you make a photo copy of the front and back of the remittance, that your name and address are CLEARLY printed on the remittance, that it is made to the order of THE ORIGINAL HEALTH CARE PROVIDER, and that you print or type clearly in the endorsement section "For Deposit Only to the Account of (name of H.C. provider)(This of course allows your IRS deduction as a medical expense). MAKE SURE that you put the account # if available ( not the CA account # but from your original billing), in the "for" section on the front of the money order. If you do NOT have the original account # OR if you have several accounts with the SAME OC under ONE account #, put the name of the patient, date of service and patient's SS # in the "for" area. I am providing you with a shortened version of the letter; (Your Name) (address) (City,State, zip) s.s.# (social security #) HIPAA Compliance Office ( health care provider creditor) (address) (date) Dear Sir/Madam; This letter is in reference to (account #) for services provided to (name of patient) on (date of service). In regard to the bill on this account in the amount of ($___) Enclosed please find my remittance of ($___) for payment in full of this account. Please note, my remittance is payable ONLY to (hc provider) and may not be signed over or transferred to any third party collection agency, as this would constitute a violation of HIPAA Privacy Act rules. Your furnishing of my account information to (collection agency name), is no longer in compliance with HIPAA's Privacy Act, and any subsequent reporting of this account on my credit reports to is a clear violation of Public Law 104-191 ("HIPAA") since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due.In addition the new Omnibus Final Rule states:when patients pay out of pocket in full, they can instruct their provider to refrain from sharing information.This letter serves as that instruction Therefore I am requesting you promptly rescind all such account information furnished to (collection agency) and require them to purge their records of all reference to this account, and that you insure that any and all reporting of this account is immediately deleted from my credit reports. I am reserving the right, to take appropriate legal and civil action including reporting to any applicable regulatory authorities any lack of cooperation or compliance with this request. Sincerely, signature (Your Name) (opt out FIRST) https://whychat.me/GUIDEBOOK.html Provide your lender with a copy of the Bank check as PROOF that the account was paid. DO NOT give them a copy of the letter
  7. You can, if you wish jump to payment without the initial steps but they may not work. Even if you are POSITIVE that the account is valid ( I assume you have your EOMB from your insurance) and are POSITIVE that the reporting CA and the OC have a CURRENT business relationship without the preliminary steps you have no documentation to be able to get a deletion.There is a POSSIBILITY that your mortgage application triggered a JDB ( junk debt buyer) who acquired the account data from a data miner and poisoned your reports. Now, you say it "slipped through the cracks"?? Did you get bills from the OC that you ignored?? Does your EOMB show that you owed a balance?? If you have those records and want to go ahead and pay-- be my guest. BUT if you have NO EOMB and no record of ever receiving a bill then I suggest you follow the program in it's entirety. https://whychat.me/GUIDEBOOK.html https://whychat.me/GUIDE HIPAA PROGRAM.html send the initial dispute letter to the CRA(s) ( is it reporting on all 3 reports?) https://whychat.me/hipaadisp.html IF, after following these steps you get an immediate response from the reporting CA with current account data from the OC, you can THEN pay the OC with the HIPAA letter insert "a"
  8. As an economic stimulus the compulsory wearing of masks would be be far greater than the outcome of renewed closings because of the LACK of mask wearing creating an upsurge in infections. Seniors, like me, who have self isolated and avoided going anywhere because of fear of infection by the "maskless" hordes would be more inclined to resume in person shopping and participation in the economy.
  9. If the accounts are over 2 years old he may be able to get them off his reports without paying anything. If they are under 2 years old he might be able to pay the OC (original creditor health care provider). You (or he) should post in the medical debt forum for individual advice. A PFD that results in a "paid" collection on his reports is WORSE for his credit scores than an unpaid one as it would still be derogatory but NEWER.
  10. It is going to be survival of the scientific fittest. Those who blindly follow the "know-nothings" will spread the virus to their families and friends and then we will have another round of shutdowns. Those who stay away from risk of infection and protect themselves and their families will be cleaning up this mess long after a vaccine is developed ( if they find one that works). The black plague decimated the World but spawned a renaissance of science and art.
  11. I think you can TRY to get the financial aid AND get a lawyer to help you get the judgments dismissed AND get any wages improperly garnished refunded. At the same time PLEASE follow the guide AGAIN. Even if nothing is reporting at this point in time . https://www.consumeradvocates.org/find-an-attorney https://whychat.me/GUIDEBOOK.html
  12. The next step is NOT to pay it if "verified". READ THE WHOLE PARAGRAPH!! 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
  13. Try this; https://whychat.me/GUIDEBOOK.html https://whychat.me/SOL PROGRAM GUIDE.html
  14. What have you done so far? https://whychat.me/GUIDEBOOK.html opted out and deleted old addresses? https://whychat.me/GUIDE HIPAA PROGRAM.html Sent the CRAs the initial dispute letter? https://whychat.me/hipaadisp.html Sent the CA the medical DV? https://whychat.me/ltrcavalhipaa.html Sent the CRA the follow up dispute? https://whychat.me/ltrcavalhipaa.html#DISPUTE If you have done all the above and Ex ( the only CRA reporting??) has NOT deleted then the next step is to file a dispute with the CFPB https://whychat.me/hipaaftccomp.html
  15. Sign up for the financial aid program. Get a lawyer to help you with any garnishment that has exceeded the legal limits; GENERAL GARNISHMENT EXEMPTIONS Greater of 75% disposable earnings (85% if head of household), or 30 x fed. minimum hourly wage.

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