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cv91915 has set up a Go Fund Me page to take donations that will be used for flowers for breeze's memorial, and excess will be donated to a cancer charity in breeze's name.  If you'd like to participate, please go here:  https://www.gofundme.com/breeze-memorial .  If you have any questions about donating or the GFM, please reach out to cv91915.  
Sunday, unexpectedly, we lost one of our own.  After a sudden diagnosis of liver cancer just two days before, our very own mama Breeze lost her battle with this disease and passed away on Sunday afternoon.   She passed peacefully surrounded by her family.
We know that many of you will be as devastated as we are to learn of this, and we know that you will share in our grief.  We will be in the Feedback forum with you, sharing our memories and our tears.  We encourage you to join us there.
We started on this journey fifteen years ago - breeze, Pam, LKH, and radi8.  Through everything that has transpired over the past fifteen years, we have always remained family - and Mama breeze was an integral part of that family.  We will be posting additional information here, as much as we can while still respecting her desire for privacy and anonymity.  For now, while we process our grief, we will close this notice with Godspeed, Mama.  We miss you so much already.


- Pam, LKH, radi8, Marv

- the mods and forum leads

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  1. Why Chat

    EQ Deleted my home address a few days ago

    Follow this guide; https://whychat.me/GUIDEBOOK.html
  2. If you print the forms on a color printer the background with the watermark will be blue. This makes it illegible for the automated computer systems to "read" if you use blue ballpoint to write in the data.
  3. Why Chat

    Statewide credit sue over multiple accounts

    Have your friend follow these guides; https://whychat.me/GUIDEBOOK.html https://whychat.me/deletejudg.html You say these "judgments" are not on her reports?? Only recorded judgment liens may be reported. Just because she agreed to pay and/or accepted a filing of a judgment against her does NOT make any judgment valid. Nor can any UNRECORDED judgment interfere with her home buying. Opting out will help prevent future poisoning of her reports. "post judgment interest" can not "accrue" unless the judgment was actually recorded.
  4. If you have opted out and deleted old addresses (if you have moved) and are ready to send the initial dispute letters to the CRAs DO NOT pick and choose which medical accounts to dispute. Dispute ALL of them no matter if they are new or old possibly valid or not. Your disputes do NOT create any risk to you of "having to pay" anything to anyone and they are ESSENTIAL for establishing a base for any and all future actions INCLUDING your ability to pay the OCs if and when you want to and after establishing that you may need to.
  5. Why Chat

    Ailing Father's Medical Bills

    Sorry to hear about your father's health problems. Do NOT worry about unpaid medical bills or collection accounts. I assume he was on Medicare and possibly had additional assistance either from a Medicare supplement policy or was already on Medicaid. Most or all of the collection accounts are likely not valid. Get together his insurance information and find ( or obtain) his EOMBs ( explanation of medical benefits) from Medicare and any other coverage he might have had. Is his stay at the nursing facility being paid by Medicare or Medicaid or are you paying for it from his existing assets? If so have you applied for Medicaid for him? Get his current credit reports and opt him out ( you do NOT have to try to delete old addresses) https://whychat.me/GUIDEBOOK.html See if you can match up ANY actual valid accounts from his EOMBs to the accounts on his reports. Ignore ANYTHING over 4 years old from date of service for now. Unless you put yourself into jeopardy by contacting any collection agency and taking responsibility for his accounts you have nothing to worry about. If he has a substantial amount of money in his accounts AND you find any valid unpaid medical bills that are less than 4 years old,then you can pay those directly to the original creditor health care provider with help from this forum. Otherwise, don't bother with them. When the time comes notify any and all creditors that he has passed, without any assets. Send them a copy of the death certificate but NOT the obituary. If you have a lawyer, you should discuss these suggestions with him/her.
  6. No, if it had been reporting to all 3 CRAs then there might have been grounds to file a CFPB complaint against the CA-- OR if they hadn't been previously deleted- OR if the CA had responded with inaccurate account data to your DV. As it stands it appears to be a CRA error.
  7. It is true that there is no private right of action for a HIPAA violation but there are certainly private rights of action to file suit against someone for DAMAGES ensuing from their violation of HIPAA violations. https://carreonandassociates.com/hippa-collections/ https://www.healthcareitnews.com/news/group-pay-4m-medical-privacy-offense HIPAA-covered entities and, now, business associates, have handed over some $18.6 million to settle alleged federal HIPAA violations, with $3.7 million of that just from last year. And this isn't counting the state and private legal settlements.
  8. There are plenty of lawsuits that were filed in the records of this forum by those who had a good cause of action but most involving Federal Court would have been class action suits. Suing on a HIPAA violation is not for amateurs and unless there has been a demonstrable financial and/or personal loss you wouldn't find a lawyer to pursue the case.
  9. Why Chat

    Close to SOL, will a SSL poke the bears?

    Try this; https://whychat.me/GUIDEBOOK.html Opting out will help prevent your credit data from being sold to data miners who might resurrect old accounts just when you think everything is cleared up. https://whychat.me/GUIDE HIPAA PROGRAM.html You can dispute the medical accounts now https://whychat.me/hipaadisp.html as they have a 4 year SOL in Ill. https://whychat.me/States/state-ill.html
  10. If your score is dropped and your financing costs more- ask your lender for a "rapid rescore" based on the fact that this is NOT a valid account and has been disputed. Advise them that IF your EOMBs show that you actually owe the $ ( how much is it?) that you are willing to pay what is actually owed. DO NOT admit that you owe, or have them escrow funds to pay the reporting CA. There is a way to pay the OC directly ( using the HIPAA letter program) IF your EOMBs show that the account is valid.
  11. There is no "dispute form". Just follow the instructions; https://whychat.me/hipaaftccomp.html Send a copy of the complaints with another dispute to each CRA. Make sure that your follow up dispute to the CRA is addressed to their compliance dept. sent CMRR and includes this phrase; ( use your own starting paragraph) "I reserve the right to take further action including filing appropriate complaints with the OCR on HIPAA violations and the (name of your State)'s Attorney General under the penalty rules of the Omnibus Final Rule(09/23/2013) interpreting and implementing provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 (HITECH Act), ( your State) 's consumer protection agencies, the BBB and to take civil action to recover damages. Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on “Abusive” Acts or Practices. ( Section 1031 of the Dodd-Frank Act )" .
  12. Why Chat

    Why Chat Help Please

    Follow the guides; https://whychat.me/GUIDEBOOK.html https://whychat.me/GUIDE HIPAA PROGRAM.html When you get your reports check them VERY carefully for ANY discrepancies such as alternate spelling of your name, alternate SS#s unknown addresses etc. Send the initial dispute letter to TU ( and any other CRA that is reporting this account) https://whychat.me/hipaadisp.html I would guess that your TU report ( and possibly your other reports) have been poisoned by a JDB ( junk debt buyer) and/or you are a victim of ID theft/fraud.
  13. This appears to be the 20% medicare co-pay which you were obligated to pay. Look at your medicare EOB ( explanation of benefits) for that visit. Check your records and see if you already paid this at the time of medical service. If not, pay the OC with this letter ( edited for your purpose-not to be used by other posters) Follow these directions; 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)(This of course allows your IRS deduction as a medical expense). MAKE SURE that you put the account # if available ( not the CA account # but from your original billing), in the "for" section on the front of the money order. If you do NOT have the original account # OR if you have several accounts with the SAME OC under ONE account #, put the name of the patient, date of service and patient's SS # in the "for" area. (Your Name) (address) (City,State, zip) s.s.# (social security #) HIPAA Compliance Office ( 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.as per my EOB from Medicare 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, State Privacy Act rules and the Omnibus Final Rules. . Copies of this correspondence and a copy of the remittance check may be used for any further actions with State or Federal agencies Your furnishing of my account information to (collection agency name), is not in compliance with HIPAA, and any subsequent reporting of this account on my credit reports to (credit reporting bureaus) would be a 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) Meanwhile follow the instructions here; https://whychat.me/GUIDE HIPAA PROGRAM.html This will allow you to properly dispute the account off your reports and opting out will prevent any JDBs ( junk debt buyers) from poisoning your reports.

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