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Why Chat

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  1. The issue is NOY whether or not the OC was entitled to charge more for being out of network-- the issue is that a CA has obtained your account data ( probably from a data miner as it is not appearing on your other reports). Wait until the CFBP has completed their process before trying anything else. In any case you can't be sued by the CA as they were obviously NOT assigned your account (with the HIPAA release) and the OC has not done anything except accept additional $$ from your insurance-- which leads me to believe their own collection department has been in continuing and current communication with your insurance Co.
  2. Since the reporting CA has not changed their reporting to reflect the additional amount the OC received from your insurance it is OBVIOUS (to me) that they are NOT and were NOT actually ASSIGNED the account by the OC. When you get a response from the CFPB you can amend your complaint to reflect the additional payment to the OC by your insurance NOT reflected in the CA reporting.
  3. You can try this program; https://whychat.me/GUIDEBOOK.html Once you have opted out and corrected any errors on all your reports and succeeded in deleting old addresses you can start by using one of the programs: If you have any questions come back to THIS POST HIPAA letter program guide: (for medical accounts) SOL Letter Program Guide: Look up your SOL (statute of limitations) on the website https://whychat.me/ all the States are listed. REPOSSESSION PROGRAM GUIDE: DELETE JUDGEMENTS PROGRAM GUIDE
  4. Get a lawyer to help you file an answer, or do it yourself; https://www.legalmatch.com/law-library/article/dormant-judgment-lawyer.html#:~:text=If a defendant wishes to,motion should not be allowed. If a defendant wishes to fight a revival of judgment, they can file an answer to the motion to revive. The answer should include a legal justification why the motion should not be allowed. The defendant usually has three legal defenses to a motion to revive: The statute of limitations has passed; The debt was paid in full; and/or The debt was settled as agreed upon.
  5. Does your mother in law qualify for Medicaid?? Has she applied for assistance when she was in the hospital??The hospital was required to offer her assistance. Section 501(r) of the Affordable Care Act. What was the cause of her injuries??Car accident?? Fall at a store or other premises?? The HIPAA dispute letter is not appropriate at this time. If she is not eligible for assistance then the correct letter to send the CA would be this: https://whychat.me/ltrcavalhipaa.html Make sure she is opted out and has her current credit reports; https://whychat.me/GUIDEBOOK.html
  6. SOL starts the 1st Month you missed a payment. It would show as a 30 day late.
  7. Having a different beneficiary signatory on each bank account simplifies probate more than any will.
  8. In 2 years you will be past the SOL for being sued. Whatever you try to do now will just backfire on you as any creditor who CAN sue WILL as soon as they see any attempt to clean up your credit. Lay low and be patient, keep track of the reporting by the CAs. Opt out to avoid your credit data being sold to data miners.
  9. "Then why are all Why Chat's letters asking for the CA to show proof of ownership of the debt and HIPAA agreement to have/view medical records? Why would he confirm those two things again?" Because if they do not include the requested documentation in their response then it is NOT a "valid" response
  10. Have you opted out?? I hope so as otherwise the account may start reporting on TU and Eq Have you taken the next step in the program? As soon as you have proof of receipt of the above medical DVs, you send each CRA this: FOLLOW UP DISPUTE LETTER TO CRAs https://whychat.me/ltrcavalhipaa.html#DISPUTE Since it is only reporting to Experian you can try this-- (wait a month and recheck your Ex report) https://whychat.me/hipaaftccomp.html
  11. As a nonagenarian I can tell you that getting old aint for sissies. I too hope that both of you get well and are able to make sensible plans for your future. IMO buying a home in a retirement community is a poor idea unless you have NO kids to worry about having to deal with selling it when you are gone. Staying in and paying off your existing home will give you the freedom to hire needed help for yourself and your spouse and keep you both out of a nursing home.
  12. Stop paying these leeches. Follow the guides: https://whychat.me/GUIDEBOOK.html https://whychat.me/GUIDE HIPAA PROGRAM.html If the dates of medical service were over 2 years ago I am pretty sure that you have been scammed into throwing $$ down the cesspool of a CA who has no legal right to collect from you. Your paying them anything has only encouraged them to keep victimizing you.
  13. You may be right-- go ahead and do what you want to-- please let us know how it turns out for you.
  14. I don't know where you are getting your information from. The new reporting rules do not affect the way in which a paid collection is reported. If you pay the whole amount to the OC or the CA it will be reported as a paid collection, which will HURT your credit rather than help it as it will be newer.
  15. Do what you want. We give the best advice we have if you believe that we spent years of research and hours of designing the HIPAA letter program because it is so easy to just pay whomever and get the account deleted then I hope you are not in a profession that requires following instructions
  16. If you try to pay the OC less than the amount owed they will simply return the check to you and report your action to the CA
  17. If you can pay the OC hospital directly the $900 do so with this letter. https://whychat.me/hipltr.html Insert A If you had provided the correct date of service in the first place we could have both saved a lot of time and postage DO NOT TRY TO PAY LESS THAN THE AMOUNT OWED OR YOU WILL FIND YOURSELF WITH A NEW COLLECTION AMOUNT ON YOUR REPORTS
  18. Follow the guides; https://whychat.me/GUIDEBOOK.html https://whychat.me/GUIDE HIPAA PROGRAM.html Send TU and Ex this https://whychat.me/hipaadisp.html It is more than likely it will be deleted, if it is not then come back to this post for further instructions. It is VERY unlikely the OC "sent" this to the CA, they likely picked it up from a "data dump" by the OC or from a data miner,(that is the reason to opt out) If you were insured at the time of medical service (whenever it was) get your EOMB (explanation of medical benefits) from your insurance Co.
  19. 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)
  20. 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
  21. 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.
  22. 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??
  23. 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.
  24. 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.
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