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I have a question on wording a settlement offer for a hospital on a medical debt. I have a settlement letter that will serve as an agreement for a regular cc debt, but I don't know if I should use the same letter or add extra wording to include HIPAA rights or so on. Backstory, which you will find on my other posts: Hospital original charge $3900, been paying for over 2 years now down to $3500, sent to collections. I have spoken with the manager of the billing department of the hospital and we reached a settlement lower than original amount and they have agreed to retract the account from collections once the payment has been made (that took time to convince because he wanted to just have the collection updated as paid "claiming" once it's sent it cannot be retracted, but everyone on this board knows it can). I will fax over the settlement letters for him to sign and I will not send the cashiers check until the letter is signed and returned to me. I have copied what the letter will state. I have not include important information such as name of hospital, blah, blah, blah. Please help me in the correct way to word this so I can get it sent to him as soon as possible. Thank you! Yes WhyChat, I have gone through all your steps and I'm on the step to "insert a" and make full payment, but I can't afford full payment but have saved up enough to settle. The Letter I Will Send: Dear Creditor, This letter is to confirm the settlement offer made between myself and your customer service representative ___________________ phone number _______________ made on ________, 20__. I really appreciate the fact that your company is willing to work with me on this matter; I wanted to make an honest attempt to settle this debt. The amount your customer service representative and I agreed to settle this debt in full is $___________. In addition, you will retract this debt from Collection Agency, any references on my credit reports (TransUnion, Experian or Equifax) relating to this debt as a collection or as late payment, paid collection or charge off regarding this account are removed from my credit file. If these terms are acceptable to your company, please sign the attached letter of agreement and return a copy to me. Upon receipt of this signed acknowledged agreement, I will express you a cashier’s check in the amount stated above. Yours truly, Your name Enclosed attachments. Agreement to settle a debt This contract shall serve to spell out the terms of a settlement offer between <insert your name>, hereafter referred to as CONSUMER and <insert credit card company’s name>, hereafter referred to as CREDITOR on acct number _______________________. Upon receipt of a certified check from the CONSUMER for $______________, the creditor agrees that this balanced owed on acct number _______________ is zero and that no further payment or fees are due from the CONSUMER at any time in the future. In addition, the creditor agrees to remove any references to late payment or charge off regarding this account from CONSUMER’s credit file, and will instruct any collection agency assigned by CREDITOR or its assignees to collect this alleged debt to do the same. This contract supersedes all other contract between the debtor and creditor. _______________________________________________ Date:___________ CONSUMER I attest that I am authorized to make decisions regarding the making and acceptance of settlement offers for outstanding credit card for the <insert credit card company’s name> company. Read, Approved and Accepted by:____________________ Date:__________ CREDITOR

I'm new to this sight, and I love what it has to offer. I'm a debt collector and work for one of the largest collection agencies in the country. I want to extend my knowledge, insight, and advice to anybody out there that has collection issues. Whether you're being harrassed and want to know your rights, or what to do with an account that may be affecting your credit I am here to help. AND...I can give you all of the tips and tricks on how to get a debt collector to settle for a fraction of what you owe. Please feel free to post to this thread and I will respond to you in a timely manner. Take care!