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Why Chat

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  1. You are good to go. I will remove the requirement for a "hand written envelope" PLEASE keep all your posts in ONE thread
  2. It is WAAAY past the time for any valid collection activity. Follow the guides; https://whychat.me/GUIDEBOOK.html https://whychat.me/GUIDE HIPAA PROGRAM.html Send any CRA where this or ANY medical account is reporting this; https://whychat.me/hipaadisp.html This should get it deleted from your credit report(s) Come back to this post for additional assistance
  3. Is the OC a health care facility?? What was the date of medical service?? If they actually "threatened" you before transferring the account then you might want to contact some legal help. Otherwise, follow the guides; https://whychat.me/GUIDEBOOK.html https://whychat.me/GUIDE HIPAA PROGRAM.html Send any CRA where this or ANY medical account is reporting this; https://whychat.me/hipaadisp.html If you are disabled and on some type of assistance program for your medical expenses make sure you get a copy of your EOMB ( explanation of medical benefits) from your insurance provider.
  4. If you are following the guides https://whychat.me/GUIDEBOOK.html https://whychat.me/GUIDE HIPAA PROGRAM.html this sentence is in the above guide THESE INITIAL DISPUTE LETTERS ARE THE ONLY ONES YOU EVER SEND USING SPECIAL FONT OR HANDWRITTEN TO PREVENT AUTOMATED PROCESSING. EVERYTHING ELSE MUST BE PROPERLY TYPED AND BE BUSINESS LIKE AS THEY MAY BE USED IN COURT.MAKE SURE YOUR NAME AND ADDRESS ARE ON TOP OF EACH PIECE OF CORRESPONDENCE AND THAT EACH ONE IS DATED.
  5. Yes send the initial dispute letter from the program ( the Tx DV might work but then if it doesn't you won't be able to use the HIPAA letter program) https://whychat.me/GUIDEBOOK.html https://whychat.me/GUIDE HIPAA PROGRAM.html https://whychat.me/hipaadisp.html IMO the posts from "creditcurious20" are counter productive and designed to sabotage the use of the HIPAA letter program
  6. I am sorry that your post has gotten bogged down with extraneous legal advice. Just follow the guides to get it deleted. Follow the guides; https://whychat.me/GUIDEBOOK.html https://whychat.me/GUIDE HIPAA PROGRAM.html The initial dispute letter to the CRAs will probably get rid of this JDB (junk debt buyer) https://whychat.me/hipaadisp.html If you have recently applied for a mortgage or refi your data has been sold to data miners who will dredge up old invalid accounts to poison your reports.
  7. The 7 year reporting period is usually easily shortened by proper disputing. Since this account is only on 1 report it could easily be deleted. Follow the guides; https://whychat.me/GUIDEBOOK.html https://whychat.me/GUIDE HIPAA PROGRAM.html You can easily get a deletion of this account from your TU report by sending this to TU https://whychat.me/hipaadisp.html
  8. Do you have a statement from your insurance Co ( an EOMB) that shows what was billed, what was allowed, what was paid and what amount remains as your obligation?? If so, what is the REASON for the balance showing as due?? Is this your deductible?? I am not familiar with any process where the deductible or co-pay balance can be paid to the medical provider by the insurance Co through the insurance Co website. IF this is a valid way of paying the OC medical provider and you have confirmed that payment will be made directly by your insurance Co to the OC, then go ahead, otherwise NOT. The easiest way to make sure that this is deleted from your credit reports is to pay the medical provider directly with either CASH getting a cash receipt or with debit card at their office. NOT a personal check. Or you could pay using this abridged letter by BANK MONEY ORDER (same as cash) https://whychat.me/hipltr.html ( FOLLOW THE DIRECTIONS FOR THE PAYMENT) 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) (Your Name) (address) (City,State, zip) s.s.# (social security #) ( 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 rules Your furnishing of my account information to (collection agency name), is not in compliance with HIPAA s Privacy Act, and any subsequent reporting of this account on my credit reports to (credit reporting bureaus) 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. Sincerely, signature (Your Name) You should also consider opting out and getting all your REAL credit reports and send this dispute letter to the CRAs https://whychat.me/hipaadisp.html in order to have a record for any future actions you may need to take such as disputing a "paid" collection. https://whychat.me/GUIDEBOOK.html https://whychat.me/GUIDE HIPAA PROGRAM.html
  9. The FCRA prohibits the direct reporting by a health care provider of a medical debt. IF a health care provider obtained a judgment only the judgment lien could be reported. A CA would have no standing in Court in such a case. https://law.justia.com/cases/kansas/supreme-court/1992/66-075-3.html
  10. There are (to the best of my knowledge) NO circumstance where either the Community Property or Doctrine Of Necessities could engender any kind of entry on anyone's credit report. In the rare circumstance where someone's estate is sued for medical claims on the basis of Community Property that would not appear as a judgment against the surviving spouse.If a spouse were sued for medical expenses under the doctrine of necessities that would also be in a completely different Court system.
  11. OK, no harm no foul; Follow the guides; https://whychat.me/GUIDEBOOK.html ( if you have already opted out and obtained real credit reports you can skip to the next step) https://whychat.me/GUIDE HIPAA PROGRAM.html Here you need to jump to the medical DV for accounts reporting as paid; https://whychat.me/ltrcavalhipaa.html#PAID and send the follow up dispute to Eq https://whychat.me/ltrcavalhipaa.html#DISPUTE
  12. Here is the legal basis for the HIPAA letter program. I developed it in early 1996 when the legislation was first passed https://whychat.me/hipaaleg.html
  13. "CreditCurious20" and "hegomony" are referring to extraneous matters that have no bearing on the subject here. https://en.wikipedia.org/wiki/Community_property https://www.bills.com/debt/debt-management/doctrine-of-necessaries
  14. In many situations once an account has been paid to a satisfactory balance the billing office will write off the balance. These accounts can be accessed by data miners who then sell the accounts (minus the HIPAA release which can not be transferred) to JDBs ( junk debt buyers). This can occur even if you are making current payments to the OC on an agreed payment plan. I designed the HIPAA letter program to SAFELY pay a medical provider what they are legitimately owed when the account is fairly new (under 2 years) and is being reported by the ORIGINAL CA who is a CURRENT business associate of the medical provider. In all other cases where there is NO documented CURRENT business relationship the HIPAA program can obtain a deletion from the reports because the CA without a current business relationship is NOT permitted to report as they do NOT have your signed privacy release.If you want to call this a "loophole" you can, however it is NOT a "loophole"but a system of requiring adherence to the laws regarding medical privacy and credit reporting.
  15. Follow the guides; https://whychat.me/GUIDEBOOK.html https://whychat.me/GUIDE HIPAA PROGRAM.html The initial dispute letter to the CRAs will probably get rid of this JDB (junk debt buyer) https://whychat.me/hipaadisp.html If you have recently applied for a mortgage or refi your data has been sold to data miners who will dredge up old invalid accounts to poison your reports.

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