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  1. It is possible that the original debt was at one time valid. However the claim from the CA was NEVER valid and you threw your $$ down a rathole. Follow the guides; https://whychat.me/GUIDEBOOK.html Double check all your reports for errors and look for recent inquiries. https://whychat.me/GUIDE HIPAA PROGRAM.html Send each CRA where ANY medical accounts are reporting this: https://whychat.me/hipaadisp.html Come back to this post for additional help after you have a response from your disputes tothe CRAs
  2. Follow the guides; https://whychat.me/GUIDEBOOK.html Double check all your reports for errors and look for recent inquiries. https://whychat.me/GUIDE HIPAA PROGRAM.html Send each CRA where ANY medical accounts are reporting this: https://whychat.me/hipaadisp.html Have you recently applied for a mortgage?? It looks like you are being "poisoned" by JDBs Come back to this post when you have the results from the above actions.
  3. Why Chat

    I am being sued. Advice please

    Getting a default judgment is never a "good" thing, however in Ohio A judgment from an Ohio court is valid for 5 years, and then becomes dormant unless revived by the judgment-creditor (O.R.C. § 2329.07). Once dormant, the judgment-creditor has 10 years to revive an Ohio judgment . For small amounts ( under $5,000 it would probably not be worthwhile for the creditor to revive it ( unless you win the lottery) Your pay is well under the limit for garnishment and unless you keep a LOT of $$ in your bank account it is unlikely that it will be garnished. You can avoid that entirely by keeping your money in a joint account with someone else as primary. The judgment will stay on your report for 7 (you can dispute it off after 5)years but will be less of an impact on your scores then a BK and having a default judgment will allow you to keep your money for necessities rather than legal fees. You may find that the CA will never even actually follow through on the lawsuit as the cost of getting a judgment that they can't do anything with isn't worth it. If they do get a judgment you may get a form to fill out with your assets and liabilities. This would likely curtail further action on their part once they see that a judgment lien is noncollectable.
  4. Why Chat

    I am being sued. Advice please

    There are other alternatives to making a settlement agreement with a CA or declaring BK. It MAY be better for you to have a filed judgment against you that can never be collected. In many States there are limits to what can be seized or garnished. If you have limited income and no assailable assets then you might be what is called "judgment proof"
  5. Was this covered by insurance?? Do you have an EOB for that visit? "The second collections showing on my credit reports is ~$300 billed at a different time, for a different hospital visit. " If you have opted out and get a response from the CRAs that the account(s) are verified and valid and once you determine the reason for the "double codes" and find how much you TRULY owe, you can pay that amount directly to the OC health care provider using the HIPAA letter insert "a" https://whychat.me/hipltr.html
  6. Here are some tales of similar situations. https://www.aapc.com/memberarea/forums/149820-insurance-paid-patient-instead.html This comment may be pertinent to your case "Hopefully they signed the authorization for the procedure which usually states they are responsible if their insurance doesn't pay."
  7. You took the $$ your insurance Co sent you to pay for the device?? The check(s) were made to you and NOT to you and the device Co.?? Exactly WHAT accompanied the checks-- a letter stating it was reimbursement for the device?? Did you ever get any direct billing from the device Co.?? Did you ever pay ANYTHING out of pocket to anyone during this ordeal?? Did you ever SIGN any acceptance of the device?? At this point all I suggest is that you opt out, get current credit reports https://whychat.me/GUIDEBOOK.html and send the CA the medical DV. https://whychat.me/ltrcavalhipaa.html Failing some kind of proof that you signed the HIPAA waiver and agreed in some verifiable manner to pay for this unnecessary medical device, and IF there were no restrictions placed by the insurance Co on the check(s) they sent you, and IF you had paid out of pocket for ANY of your insured health care services, and IF the checks were NOT sent to you at YOUR request, it is possible that the provider turned over to the CA an unauthorized collection account. Check your EOMBs to see if the device was actually billed to your insurance, if anything was paid to the provider or if any claim was denied.
  8. Why Chat

    Question About the Statute of Limitations

    I do not know if there is "case law" all I know is what is in the S.C. statutes; Title 15. CIVIL REMEDIES AND PROCEDURES Chapter 3. Limitation of Civil Actions ... account when there have been reciprocal demands between the parties, the cause of action shall be deemed to have accrued from the time of the last item proved in the account on either side. HISTORY: 1962 Code § 10-149; 1952 Code ...
  9. https://www.theatlantic.com/health/archive/2019/03/hospital-bills-medical-debt-bankruptcy/584998/?utm_source=facebook&utm_campaign=the-atlantic-fb-test-852-1-&utm_content=edit-promo&utm_medium=social&fbclid=IwAR0hYNKakm4RaH5ZeISLq_MTSvMjMPnHNkuL7eOY8GcGtkOcMMHW4AiRpOs
  10. Well-- it certainly appears you have been caught up in a debt consolidation scheme with a "so called not for profit" credit repair organization. https://www.bbb.org/us/fl/boca-raton/profile/debt-consolidation-services/creditguard-of-america-inc-0633-6481/complaints I personally would advise you to QUIT your plan and STOP paying them anything. As long as the CAs are being paid ( if indeed they ARE being paid) it would be very difficult to get your reports cleaned up. You CAN try the HIPAA program on your medical accounts. Get your EOMBs and see if all or any of the accounts are valid or if some are due to billing errors or services that WERE fully paid by your insurance. ( What was the date of the medical services?) Start here; https://whychat.me/GUIDEBOOK.html https://whychat.me/GUIDE HIPAA PROGRAM.html Send the CRAs the initial dispute letter. List ALL medical accounts as they appear on the report you are disputing. https://whychat.me/hipaadisp.html If you decide to take my advice, please cut and paste this and post it in the medical forum.
  11. Once you review your EOMB statement for June and determine that you DO or DON'T owe any balance then we can have a more fruitful discussion. You are correct, because of your online disputes to the CRAs you should not send them the dispute letters. Once you have the results from THOSE online disputes AND the results of your review of your EOMB we can better advise you as to the next steps.
  12. Why Chat

    Whychat's repo strategy

    Typed ( as a copy may be needed in further legal proceedings)
  13. Are you saying that you have NO records of any medical services in June 2018?? Are you insured?? If so contact your insurance Co and get copies of your EOMBs ( explanation of medical benefits) to see what (if anything) you actually owe. You need to start from the beginning instead of jumping into a medical DVor any correspondence with the CA. Follow the guides; https://whychat.me/GUIDEBOOK.html https://whychat.me/GUIDE HIPAA PROGRAM.html After double checking your reports for errors such as unknown addresses, different spelling of your name or alternate SS#s and opting out you should send the initial dispute letter to the CRAs listing ALL medical accounts as they appear on the report you are disputing. https://whychat.me/hipaadisp.html It is hard to tell from your post if this is an account that is valid or not. Your credit report may shed some lot on the possibility that this is not your account. Your EOMBs should also tell you if it is a valid debt since if there is no record of any health care claim from the alleged OC health care provider for June 2018 then either you were NOT the patient or the OC did not have your insurance information.
  14. Why Chat

    Question About the Statute of Limitations

    You are correct. I am mistaken. Because of the Credit Card Act of 2009 creditors can no longer raise your interest rate retroactively because of bad credit on OTHER accounts ( which is what my link refers to) however they were required to give notice of cancellation ;In fact, according to the Equal Credit Opportunity Act, creditors can close an account for delinquency, inactivity or default with no notice whatsoever. If they close an account for other reasons, such as an adverse credit report, they must notify the cardholder within 30 days after taking the adverse action. In practice creditors have chosen to not cancel cards but instead reduce the credit limit and then non renew.

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