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  1. The question of SOL, is IMO moot as there could be no cause of action unless the OC followed all the proper procedures to obtain a deficiency judgment on a repo. Here are some links on the subject; https://whychat.me/repoltr.html#resource look at the repo laws for Mich here https://repo.org/member-tools/state-requirements/ https://whychat.me/repoltr.html
  2. Happy New Year-- you will likely not receive anything from their billing department at all if you didn't actually incur any charges. If you have insurance- get your EOMB (explanation of medical benefits) from your insurance Co.
  3. This forum was designed to help people with medical collections that were improperly charged-- not to help people who default on a signed agreement for services.
  4. Try here; https://www.tn.gov/attorneygeneral to file a complaint against them Unless you have demonstrable proof of harm you will likely be paying an attorney more than the amount of the bill to file an action, assuming you can even find one . Get your reports and see IF anything was actually reported https://whychat.me/GUIDEBOOK.html
  5. My website is back up now; Repeat the program; https://whychat.me/GUIDEBOOK.html https://whychat.me/GUIDE HIPAA PROGRAM.html
  6. Don't panic. I suggest you contact a consumer lawyer; https://www.illinoislegalaid.org/legal-information/dealing-hospital-bills In addition I don't think you need to worry about it getting on your credit reports; https://www.congress.gov/bill/117th-congress/house-bill/2537 You can get further help here https://illinoisattorneygeneral.gov/consumers/healthcare.html Meanwhile make sure you are opted out and get your updated credit reports and look carefully at them to see if there are any errors or wrong SS#s ( My website appears to be temporarily down. Wait a few hours before trying to access it)
  7. I hate to admit it but as a nonagrian I have never thought the crypto craze was going to last. Perhaps I am old fashioned-- although I do NOT think we should go back on the gold standard-- but crypto has always seemed to be like monopoly game money.
  8. Not to mention probable tax consequences to you and/or him
  9. If you wish to try the method I suggested and it doesn't work you can always try a PFD or whatever. Remember there is always a possibility that the reporting CA did NOT get the account assigned to them from the OC but instead obtained it from a data miner and therefore any PFD to the CA would have no effect on the reporting by the OC
  10. If they are still in business they MAY have had a change of ownership since your service. In addition each State has regulations determining the period of time after medical services were provided to issue a bill. https://www.singlecare.com/blog/medical-billing-time-limits/
  11. "STILL no bill. Found nothing useful on provider either online." Is the provider a private transport Co. or a Municipal/County/State entity?
  12. I admit I misspoke-- I thought you were considering settling for less than you owed. Paying a CA in full including added interest and fees MAY get it off your reports but it also may still be reported by the OC. In any case it is certainly not a financial good move. Also if you are intending to do it with more than one CA you are (IMO) being fiscally imprudent. The following is from Forbes; Generally speaking, consumers should not use pay for delete to address a collection account on their credit reports. Here’s why you shouldn’t rely on pay for delete when trying to improve your credit score: The process is discouraged. Though not prohibited under the Fair Credit Reporting Act, the strategy exists in a grey area. This is because only inaccurate or incomplete entries can be removed from a consumer’s credit report—not accounts that have been paid in full. As such, pay for delete letters typically don’t have any legal weight. The debt collector might not follow through. Often, debt collection agencies only care about receiving payment on collections. For that reason, a debt collector may take your payment and then refuse to remove the account from your credit report. The account won’t disappear entirely. Credit bureaus can correct errors and report payoffs but are not likely to completely delete the entire collections account. This is because a debt collector can’t remove negative marks reported by the original creditor. Pay for delete may not increase your score. Every credit score model treats collection accounts differently, and some ignore them entirely, including FICO Score 9 and VantageScore 3.0.
  13. A PFD will hurt your credit --not help it. It will be reported as settled with a newer date. How are you disputing?? Try this; https://whychat.me/GUIDEBOOK.html Once you have successfully deleted any and all old addresses and it has been more than 90 days since your last unsuccessful dispute, you can try disputing this way; https://whychat.me/SOL PROGRAM GUIDE.html https://whychat.me/initdispltrsol.html DO NOT try to check your dispute on line. The method described is designed to keep the dispute out of the CRA's automated computer systems. ( do not call either)
  14. Are you now a permanent Nevada resident?? If so, yes the Nevada SOL applies going forward; https://whychat.me/States/state-nev.html I suggest you get your credit reports and opt out BUT DO NOT DISPUTE ANYTHING https://whychat.me/GUIDEBOOK.html
  15. Well first of all STOP rocking the boat with disputes within SOL. This will only create more problems for you as it is a signal that you are susceptible to being successfully sued. Make sure that ALL of your bank accounts whether personal/joint or business are in a relatively "safe" situation. I suggest local (non affiliated with any National banks) institutions such as credit unions or smaller local banks. Get a SMALL credit limit credit card and debit card from one or more of THESE "hidden" banks and stop using any existing credit cards that are still in good condition for anything big. Once you are past SOL on any of the defaulted accounts you can THEN start trying to get them off your reports-- be patient and make sure you do not do anything to attract the attention of any account or collection agency that is still within SOL. I seldom disagree with hegemony but in this case I do NOT suggest you try to make any settlement with anyone as it would be a signal to EVERYONE that you have assailable assets and they will jump to sue.
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