Why Chat

What Marv Bear said is true plus the settled for less account will be NEWER thereby reducing your credit score rather than helping it. It is more than likely that this account can be removed from the 2 CRAs without any payment (other than postage) Follow the guides; https://whychat.me/GUIDEBOOK.html https://whychat.me/GUIDE HIPAA PROGRAM.html After opting out and deleting old addresses (as much as possible) you start by sending TU and Ex this; https://whychat.me/hipaadisp.html Once you have a response to this dispute letter come back to THIS POST for further assistance (if they were not deleted)

No, send the CA this https://whychat.me/ltrcavalhipaa.html READ this paragraph This letter is being sent to you in response to your attached letter. ( DO NOT USE THIS SENTENCE IF THE ACCOUNT IS REPORTING AND YOU RECEIVED ANY INVALID RESPONSE FROM THE CA AS A RESULT OF YOUR INITIAL DISPUTE) If you have nothing in writing use the phrase "recent communication, if you have had NO communication other than the entry on your report, use this: "This letter is being sent to you in response to your recent fraudulent verification of an unknown medical account on my (name of CRA) report" Send the remaining body of the letter WITHOUT anything from the first paragraph. and then send Ex this https://whychat.me/ltrcavalhipaa.html#DISPUTE READ ALL THE INSTRUCTIONS

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Follow the guides https://whychat.me/GUIDEBOOK.html This will NOT affect your credit as medical accounts under $500. are no longer being reported The major credit reporting agencies have initiated a change so that medical bills of less than $500 will not show up on your credit report after going to collections.

Exactly WHAT did you get from the CA in response to your dispute letter?? Did the medical records the CA sent you show an assignment from the OC?? Did it include an assignment of your HIPAA form?? Although the reporting CA may have obtained the account it may not have been actually transferred from the OC to the CA You say you sent Experian the "initial" letter?? Was it this one? https://whychat.me/hipaadisp.html New Jersey has a 3 year SOL for "open" accounts such as medical/hospital bills https://whychat.me/States/state-nj.html If you have not completely followed the guides as yet I suggest you do so: https://whychat.me/GUIDEBOOK.html Is the account ONLY on Experian??

Go to the Maryland Court Forms Page https://www.courts.state.md.us/forms They have an interactive help system. You can file an objection with the Court yourself without a lawyer.

Far be it for me to give appliance or credit advice to you-- however , much as I also prefer Lowes to Home Depot I am not a fan of Synchrony Bank who provides the Lowes credit card.

The issue of credit card account SOL is a matter of debate. "Centex" may or may not be a licensed attorney in her State but giving legal advise on a public forum is a "no no" for any licensed attorney. "Blusie's" assumption that Centex is a licensed attorney and the only licensed attorney in this forum is therefore erroneous. Get a Maryland consumer attorney to help you. https://www.peoples-law.org/ ( the link to this site is on the Maryland page) At the VERY LEAST find help in objecting to the lack of proper service. https://www.peoples-law.org/time-limits-debts The issue of using the2 year SOL in a case in Ca. can arise if the collection agency has not and can not provide a signed contract

Start here: https://whychat.me/GUIDEBOOK.html Once you have your PAPER credit reports you can start by getting any errors repairs and try to get old addresses deleted. Depending on the type of debt there are instructions to get deletions in the guidebook; HIPAA letter program guide: use this link for medical accounts SOL Letter Program Guide: use this link for credit card accounts that are past your State's SOL (statute of limitations) My website has a listing of all States with their SOLs

The SOL for Maryland is 3 years The SOL for Ca, is 2 years https://whychat.me/States/state-ca.html If the account was initiated in Ca. and your 1st default was in Ca. then the Ca. 2 year SOL applies

You were not served. The debt was incurred in Maryland which has a 3 year SOL (statute of limitation) for credit card debt. The date of commencement of the SOL is the Month following the last Month of an on time payment. Even IF they were somehow able to get a default judgment against you in Maryland they would have to refile it in your present State of residence to effect any taking of your home. Check the link here for legal aid in Maryland and go to my website to find the help you need for your present State; https://whychat.me/States/state-mar.html

Follow the guides: https://whychat.me/GUIDEBOOK.html (I suggest you do this for yourself also) If the account is over 2 years old (from the date of the ER visit then it is very unlikely it will affect his credit. Although he had no insurance at the time of his ER visit he may have been covered under some other program, Federal or State. If the ER visit was due to a car accident he may have had coverage under auto insurance, if he was working at the time he may have had coverage under workman's compensation. Check to see if any other medical bills relating to his ER visit were paid by any other party.

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If you do not get immediate deletion from the initial dispute letter to the CRA(s) https://whychat.me/hipaadisp.html Is it reporting to all 3?? You can either use the follow up letters or jump to a complaint to the CFPB https://whychat.me/hipaaftccomp.html https://whychat.me/GUIDEBOOK.html https://whychat.me/GUIDE HIPAA PROGRAM.html

Those of us who have volunteered hours of time for many years do not choose to respond to a question regarding medical payment procedures that do NOT present a problem. If a healthcare provider has chosen to outsource it's regular collection activities then they are saving needed $$ they can use to hopefully increase wages for their staff.