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Why Chat

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    quantum theory

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  1. You can opt out here also; https://whychat.me/OPTOUTINST.HTML This is from my program that helps you monitor your credit and correct errors; https://whychat.me/GUIDEBOOK.html As to why someone would want to stop getting credit card offers in the mail-- there are many many ( far too many) situations where unauthorized family members have opened accounts and run up big balances without the primary card holder's knowing about it until it is too late to fix.
  2. If Ex doesn't delete you go to the next step in the HIPAA letter program; https://whychat.me/GUIDE HIPAA PROGRAM.html which is the medical DV to the CA https://whychat.me/ltrcavalhipaa.html and then the follow up dispute to Ex https://whychat.me/ltrcavalhipaa.html#DISPUTE
  3. Search here; https://courts.ms.gov/trialcourts/countycourt/countycourt.php https://whychat.me/States/state-miss.html
  4. Well if you didn't sign the HIPAA release form they may or may not have legal authority to sue you. In any case you need to look up your case in your County Circuit Court ( if it is under your State's minimum it may be in Small Claims Court) You will need to file an answer. You may need a lawyer or you may be able to do it yourself and get help in the Help I've Been Served forum. What State are you in??
  5. What was the date of the medical service they are dunning you for?? By signing the HIPAA release you gave them authorization to sue you. Get a lawyer to file an answer for you or try the "Help I've Been Served" forum
  6. hdporter is again correct. HOWEVER!! Most disputes ( if properly sent so as to avoid any automated computer responses) are simply entered into the e-oscar matching system. If either the name or address doesn't match the account is deleted. As to the comments about preferring to give advice that would enable someone to get out of debt and put their finances on a sound footing-- that type of advice is IMO impractical on this forum and as counterproductive as someone's spouse or parents or in-laws nagging them.
  7. What was the date of medical service?? Do the amounts claimed match your EOMBs ( explanation of medical benefits) from your insurance Co.?? The letter you send first depends on the results of your following the guides; Have you opted out and obtained your credit reports and deleted ( as much as possible) old addresses? https://whychat.me/GUIDEBOOK.html Send each CRA where the accounts are reporting this; https://whychat.me/hipaadisp.html this initial letter is from the HIPAA letter program https://whychat.me/GUIDE HIPAA PROGRAM.html
  8. Once an account has passed your State's SOL for being sued there is little to lose ( except postage) by trying to get accounts deleted in whatever legal way you can. It is true as "hdporter" says that getting old addresses deleted is difficult, however it is NOT a "waste of time" I suggest following this program for getting old addresses off reports before trying to get accounts deleted; https://whychat.me/GUIDEBOOK.html
  9. The response you received from the reporting CA is NOT a valid response. It is the same as receiving nothing. Continue with the HIPAA letter program and send the CA this https://whychat.me/ltrcavalhipaa.html and send the CRAs this https://whychat.me/ltrcavalhipaa.html#DISPUTE The SOL for medical accounts in Fl is 4 years https://whychat.me/States/state-fl.html
  10. No problem Follow the guides https://whychat.me/GUIDEBOOK.html Send each CRA where this account is reporting this; https://whychat.me/hipaadisp.html from the HIPAA program https://whychat.me/GUIDE HIPAA PROGRAM.html IF you get a deletion-- then you are "home free" if you don't get a deletion from 1 or more CRAs then send the reporting CA this; https://whychat.me/ltrcavalhipaa.html#PAID if it is reporting as a paid collection and send the CRAs this https://whychat.me/ltrcavalhipaa.html#DISPUTE
  11. When you received your medical services you signed a HIPAA release form that gave permission to your health care provider to share your medical data with other medical professions AND business associates for the purpose of collecting their fees and charges. If the CA was the ORIGINAL assigned collection agency then they have that permission. If they were assigned the account by the original CA the HIPAA release is NOT transferable, so yes they would be in violation. The HIPAA letter program I designed when HIPAA was first introduced gives people a way to get these accou
  12. If they are a current BUSINESS ASSOCIATE of the OC ( original creditor) they would be able to furnish you with all the correct data. If they do so you can THEN pay the OC directly with the HIPAA letter insert "a" https://whychat.me/hipltr.html
  13. Call the police or your local sheriff's office. You are being scammed
  14. Your goal is to properly and legally inform them to cease and desist from their collection activities. You should also make sure you are opted out and old addresses are deleted from your credit reports to help prevent the improper "poisoning" of your reports. https://whychat.me/GUIDEBOOK.html If your reports have already been contaminated with collection accounts, the link above can provide assistance to get your reports cleaned up
  15. Sept.13,2021?? If that is the only date on the letter then it means ZILCH. They obviously don.t have any assignment or authorization from the OC Send the dispute letter to the CRAs ( after opting out and deleting old addresses)
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