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Why Chat

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  1. Try it. If it goes through it is the same as cash. If it is rejected then you can send the letter with a money order. Just make sure it is the provider website and NOT the CA website. If it shows up later on any credit report you will have the documentation to prove it was paid and "we have a letter for that". PLEASE NOTE THE ADVICE GIVEN IN THIS POST IS FOR THIS POSTER ONLY AS IT IS A VERY NEW ACCOUNT
  2. Sure, you will need to either pay it in person with cash (get a cash receipt)or debit card, or if they have on line billing by debit or credit card. DO NOT use a personal check. If you can't do that then get a BANK MONEY ORDER ( not a cashiers check) and follow these instructions.(Pay the amount on the last bill NOT the one from the CA and include a copy of the bill) 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. (Your Mother's Name) (address) (City,State, zip) s.s.# (social security #) HIPAA Compliance Office ( health care provider creditor) (address) (date) Dear Sirs 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 Act rules. Your furnishing of my account information to (collection agency name), is not in compliance with HIPAA, and any subsequent reporting of this account on any credit reports to 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. Sincerely, signature (Your Name) You should also see if YOUR credit reports have been affected; Follow this guide https://whychat.me/GUIDEBOOK.html
  3. "and supposedly there's a middle company between them and the CA (maybe some servicing company?)" Let me TRY to be PERFECTLY CLEAR!!. The ONLY CA legally allowed to report on a medical debt is the INITIAL direct assigned CA. Your HIPAA privacy waiver is INVALID for any subsequent transfers. ( Unless you are stupid enough to sign something with the reporting CA) The "servicing Company" was likely the original directly assigned CA who was assigned the account data AND the HIPAA waiver. THE HIPAA WAIVER CAN NOT BE REASSIGNED. As to all the other advice you were given-- every situation is different but IN GENERAL if a balance still with the initial assigned CA is paid to the OC with the proper safeguards, yes the account has to be deleted. READ the WHOLE HIPAA program letter. https://whychat.me/hipltr.html There are solutions for every circumstance If you want to pay and have PROOF of payment use the HIPAA letter insert "a" If the OC and the reporting CA have a CURRENT business relationship you will have the tools to get a deletion ( instead of a "paid" collection) If they have no current relationship and you have followed the initial steps, opting out, sending the initial dispute letter to the CRAs you will be able to continue THAT process to get the JDB CA deletion. Meanwhile, you will have proof of payment (copy of the MONEY ORDER )paid to the OC (do NOT give your closing agent a copy of the HIPAA letter) and you can request a "rapid rescore" for your credit.
  4. It is possible that the reporting CA is the same CA the OC referred to in their comment "The medical officer manager confirmed that they sent the file to collections, last year " It is also possible that it is NOT. Do whatever you want to but any calls or communication you make by phone or e-mail is probably futile. If you want to follow the HIPAA program, do so. If not your attempts to call the OC are counterproductive. The ONLY thing you will accomplish ( at best) is to get the unpaid collection changed to a paid collection-- this is WORSE for your score as it would still be derogatory, but newer.
  5. Given that it is an account over 2 years old it is more than likely that this CA obtained your account information from a data miner and NOT from the Dr.'s office. Follow the guides-- you are being scammed by a JDB ( junk debt buyer) and if you try to deal with them in any way you will NOT get it off your reports, plus your paying them anything will just encourage other JDBs to poison your reports.
  6. How old is this account?? ( date of service) If it is older than 2 years it is likely a JDB scam - First Federal has a LOT of complaints against them. Follow the guides; https://whychat.me/GUIDEBOOK.html Opting out helps prevent JDBs ( junk debt buyers) from poisoning your reports when you are in the midst of getting a mortgage. https://whychat.me/GUIDE HIPAA PROGRAM.html Send the following dispute letter to any CRA where this or ANY medical account is reporting; https://whychat.me/hipaadisp.html
  7. The best way of documenting a current relationship between the reporting CA and the OC will be by the response you would receive from the dispute letter to the CRA. If the CA and the OC are in a current business relationship the CA would have the updated data of your payment and the account will either be deleted or updated to a paid collection. "If they didn’t cash it and/or there is no current relationship, is there another method to have it removed?" Let's not play "what ifs" see what response you get from the dispute letter and we can go from there.
  8. Follow up with Western Union to see if the money order has been deposited. (Why didn't you get a bank money order?) Send the initial dispute letter. IF the OC received AND deposited the $$ to your account, AND the reporting CA is in a current business relationship with the CA then your dispute should be successful in getting the entry deleted .
  9. I am sorry you decided to start a new thread as it makes it very difficult to provide you with accurate advice. Did you follow ANY of the guides? https://whychat.me/GUIDEBOOK.html https://whychat.me/GUIDE HIPAA PROGRAM.html DO NOT CONTACT THE CA DO NOT CONTACT THE OC Send the initial dispute letter to the CRAs where the account is reporting; https://whychat.me/hipaadisp.html There are 3 possibilities; 1- The OC has deposited your money order ( Did you at least put the restrictive endorsement on the back?) 2- The OC has NOT deposited the money order as they no longer had any record of the account and didn't know what to do with it because of the restrictive endorsement, (assuming they DO have a current business relationship with the CA) 3- The OC turned the money order over to the CA because you did NOT have the restrictive endorsement. In spite of your OPINION that the reporting CA and the r OC have a current business relationship, you have NO documentation that this is a fact. The results of the initial dispute letter to the CRAs may provide some clarity
  10. Exactly how did you determine that the OC was in a current business relationship with the reporting CA?? What is a "DC"?? You apparently decided to skip ALL the initial steps in the guide and jump the gun without understanding the program. https://whychat.me/GUIDEBOOK.html https://whychat.me/GUIDE HIPAA PROGRAM.html
  11. If you are talking about the initial dispute letter to the CRAs https://whychat.me/hipaadisp.html Then of course you use the reporting CAs name and circle that entry in your copy of your report.
  12. Follow the guides; https://whychat.me/GUIDEBOOK.html If you can pay your Dr directly, on line with a debit card or in cash personally ( get a receipt for CASH) that would be best, otherwise pay the Dr with a MONEY ORDER ( not a personal check ) and this edited letter-- follow the endorsement instructions; 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. Send ALL correspondence to the HIPAA COMPLIANCE OFFICE of the HC provider,CMRR. (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. 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,or (name of your State}'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) Once you have paid your Dr you can THEN send the CRAs where the account is reporting, this: https://whychat.me/hipaadisp.html These instructions will prevent the account from being reported as a paid collection.
  13. If all they have are copies of the original bills then they OBVIOUSLY are NOT in a current business relationship with the OC and have no legal right to report. Wait until you get a response from TU, then file a complaint with the CFPB against the CRAs who have refused to delete with copies to the reporting CA ; https://whychat.me/hipaaftccomp.html
  14. What was the date of medical service?? Are the bills from the OC provider dated currently?? Or are they dated on the original date of medical service.
  15. Yes the next step is the medical DV to the CA; https://whychat.me/ltrcavalhipaa.html You would be sending out 3 medical DVs for the Experian accounts and 4 for the TU accounts. You will then send the follow up disputes to Experian and TU https://whychat.me/ltrcavalhipaa.html#DISPUTE
  16. "Are you meaning I attach this Big USPS tracking label to the envelope and then affix my small one to my own copy that I keep stored at home?" YES You only pay for the priority mail postage stamp-- that is JUST a postage stamp. You do NOT need to do the on line priority mail postage label unless you choose to do so- if you DO choose to do the on line label you do NOT use the the tracking labels you have.
  17. Please follow ALL of the steps in the guides; https://whychat.me/GUIDEBOOK.html NEVER NEVER NEVER dispute by phone or internet as that will sink your account data into the automated computerized response system.
  18. Follow the guides: https://whychat.me/GUIDEBOOK.html You print the the priority mail# from the tracking receipt label into the heading of the letter and affix the small receipt to your file copy of the letter.
  19. If you didn't complete the program you paid the OC without verifying their CURRENT business relationship to the reporting CA. It is more than likely that your money order was NOT applied to your account at all and may have been applied to their misc. payments accounts. If it has been longer than 2 years since your date of medical service the OC would have no active account data for you. Send the medical DV to the CA for BOTH the Ex and the Eq account https://whychat.me/ltrcavalhipaa.html Send the follow up disputes to both Ex and Eq https://whychat.me/ltrcavalhipaa.html#DISPUTE For the Eq follow up dispute so NOT change anything except to include a copy of the postal receipt of the dispute you sent them and a copy of the dispute you sent them.
  20. DO NOT dispute ANYTHING by phone or on line. Follow the guides; https://whychat.me/GUIDEBOOK.html Your first step AFTER opting out and deleting old addresses ( wherever possible) is to send each CRA the initial dispute letter-listing ALL medical accounts ONLY as they appear on the report you are disputing; https://whychat.me/hipaadisp.html from the HIPAA program https://whychat.me/GUIDE HIPAA PROGRAM.html If you can follow the directions EXACTLY and avoid getting caught up in the CRA's automated computer system, ( which is what occurs with a telephone or on line dispute of any kind) you will probably have much better results. Once you have followed ALL the instructions and obtained results (do NOT get your results via e-mail, wait for snail mail replies) Come back to THIS post for further instructions if everything was not deleted OR to tell of your success in following the program.
  21. Is the CA you are paying monthly reporting your declining balance?? Did you sign an agreement with them that included waiving your HIPAA privacy rights? Do you have your EOMBs from your insurance for the collection you are paying on?? Yes do the initial HIPAA dispute letter for ALL your reporting medical accounts new and old including the one you are paying on. The 3 year SOL is for being sued. The 2 year time period is the usual time period during which any medical collection is no longer with the original assigned CA.(subsequent transfers are NOT legally allowed to be reported as your HIPAA waiver is ONLY transferable between your OC health care provider and THEIR initial CA and can NOT be transferred from that CA to a subsequent CA along with the account data)
  22. I am NOT an expert on credit scores, however, it seems to me that it depends on your credit limit on Care Credit vis a vis the amount you use for your dental bill. If you apply for a $10,000 line of credit and use only $5,000 then I think you will be better off. In addition, your dental treatments may be spread out over a period of time and you would be using only a portion of the Synchrony funds.
  23. As this miserable year comes to it's inglorious close please remember to thank those in your lives who have helped you survive by donating to those charities that help the helpless. Among those listed at the bottom of my website is Kitty Angels. Please consider a donation to them if I have in any way helped you with your problems. https://www.kittyangels.org/
  24. Use this link and their tel #s to get your reports Get your credit reports directly from each Credit Reporting Agency, you need reports with an individual ID# .To order, visit annualcreditreport.com, or call 1-877-322-8228
  25. If this is a medical account it is ILLEGAL for any CRA to display the OC medical provider. Any medical account must be published as coming from a CA. Only the party whose account this is would be notified of the OC medical provider all others would see only "medical".

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