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Found 88 results

  1. I have a medical collection on my TU account only from OAC for $537.00. The debt was from a Xray visit in may of 2014. Collection was placed 1-2015 and continues to update. All other bills at that time were paid by American Family who the was apparently reimbursed by the commercial insurance policy of the company whose truck driver hit me from behind. They paid all phys therapy, doctor visits, etc during that time. I do know for absolute certainty that I gave them my AmFam card prior to treatment just as I did for all treatment. What is the best way of dealing with this? Thank you.
  2. I paid the OC before finding this program. The CA updated the collection on TU to "Pay Status: >Account Paid in Full; was a Collection<" The website for the CA states all of their collection programs are "designed to be consumer conscious and are HIPPA and FDCPA compliant." My question is will this will this program still work for them?
  3. Hi WhyChat, I have a question about where the follow up letter to the OC is sent (with letter to the CRA as an enclosure) after confirmation of the bank money order deposit. The possible choices are the OC Legal department, the OC HIPAA Compliance Office or both. Under the section below the instructions state Legal dept; INSTRUCTIONS FOR FOLLOW UP TO "HIPAA" LETTER TO ORIGINAL CREDITOR HEALTH CARE PROVIDER 3- Send a copy of the follow up letter to the OC (legal dept) with the cover letter,(follows letter to CRA) and above the followup letter the instructions state HIPAA Compliance dept; (see below) (Send a copy to the HIPAA Compliance Dept. of the OC health provider(CMRR) with the following cover letter) Could you direct me to which is correct? Thanks, willjr20
  4. The first dunning letter is for an alleged old medical bill for $900 Collection Agency is Dynamic Recovery Solutions. They give me three payment options but down on the bottom it says they cannot sue me for this debt nor report it to my credit reports. How should i handle this one? Just ignore them? The second one is not a medical collection but from the same CA. It's for an old cell phone bill for 200. Again down at the bottom it says they cannot sue me for this debt but they can report it to my reports. I have a feeling this comes from filling a complaint with the BBB against Jefferson Capital Systems last week. I filed on the 16th and these letters are dated for the 15th. Coincidence? Just an fyi the phone bill lists JCS as the "current creditor". May i also add that after complaning to the BBB then disputing JCS to the bureaus they did remove JCS from all 3CRA's. How should i proceed? Thoughts
  5. Hi, I’m new here and could use some help. Sorry in advance for the extra long post. In 2014 I was in an auto accident and ended up with five herniated discs in my neck. This led to migraines that landed me in the ER six times that year. I had medical insurance with a maximum out of pocket of $500 for the year. All six ER visits were to the same ER facility. Somehow they messed up the billing on three of the visits. I received bills from the hospital for the visits and the amounts not only exceeded my copay, but they exceeded my out of pocket maximum. The hospital was an in-network facility. The EOBs that I received from the insurance company said that the provider had not properly billed for the services performed. I called the hospital’s billing department. I was told that they were refilling the insurance and if there was an issue that I’d receive information in the mail. They sent me nothing. As it turns out, I ended up in collections for all three visits. I had a total of six collection accounts - three for the hospital and three for the doctors association. I was livid when I found out (I was trying to finance a new car and the dealership showed my the collection accounts). So I called the hospital billing department and sternly voiced my displeasure. I even threatened legal action. They said they’d look into it and get it handled. The hospital actually followed through and removed their three collections from all three of my credit reports. Unfortunately, the doctor’s association billing department wasn’t as easy to deal with. They contend that I owe them close to $2000. I explained the limits of my insurance policy and that the EOBs I had received showed that they had not properly billed the insurance. Their response was basically “too bad.” They said that I could pay them the full amount that they claim is due and that they’d report the collection as paid. I told them that this is ridiculous and that I want it removed. Once again, too bad. So I called the collection agency and explained the situation. I was told that it’s between me and the original creditor. A couple months ago the collections were completely removed from my Equifax report. I’m not sure why, but fine by me. But the collections were still listed on TransUnion and Experian. I initiated disputes with those credit bureaus. My disputes were all denied. But for some odd reason one of the collections now shows as closed (still with a balance) on TransUnion. At at this point, even if the doctor’s association were to try and resubmit the claims (which they’ve said they won’t do) they can’t. The insurance company I had in 2014 no longer operates in Florida. There isn’t even a phone number to contact them. I need to apply for auto financing again soon, and I need this cleared up first. I have no other collection accounts and no delinquencies or late payments. The three remaining collection accounts are the only negative information on my credit reports. So, what are my options? How do I get these collections removed/deleted? Thanks in advance, Daniel
  6. I have a TL on my TU and Exp reports (still waiting on Equifax) from Wakefield & Associates. Under "Loan Types" they are listed as "Collection Agency/Attorney. I have went to their website and read each of their "exec team's bios." No where do I see any mention of any of them being an attorney. I have disputed this with TU & Exp in writing, by certified mail and not on-line, which both received on Thursday, 12/06/18, because I honestly do not who the OC is. I guess my question is, when the disputes come back as verified, as I'm guessing they will, what are my options considering all the other info indicates it is still within the SOL. I am assuming I will begin to get letters or phone calls from them. But.... and this is the interesting part What is really interesting is the TL also says "Acct Info Disputed by Consumer; <Placed for Collections> I have not disputed anything on my credit reports since some time in 2014 (?). "Placed for collections: 04/29/18" Date Item to be Removed: 04/2024 (which indicates an original date of sometime in 2017) ????? (Confused? I am) And the balance seems to be increasing over time a few dollars per month. Original Creditor: Medical Any help/advice/opinions will be greatly appreciated (I may not be able to get back here immediately to respond to anyone but will return soon). Thanks in advance. You don't really have to waste your time reading their bios but I am pasting them below anyway. (No law degrees) page address: https://www.wakeassoc.com/management/ Matt Laws Pres & CEO: Mr. Laws has an undergraduate degree in computer science and an MBA from the University of Dallas. COO: Mr. Boettcher is active in the legislative arena locally and nationally with ACA International and Associated Collection Agencies, Inc. Mr. Boettcher also has extensive experience in the acquisition and management of defaulted consumer debt portfolios. CFO: He holds a B.S. Degree in Business from the University of Tennessee and has over 30 years of diversified business experience in both public practice and industry, including 21 years with RRC Wakefield. Chief Relationship Officer: He holds a B.S. Degree in Finance from the University of Tennessee, is a member of the International Fellowship of Certified Collection Executives, Healthcare Financial Management Association, University Sertoma Club, and is a member of ACA’s Future Leaders. Prior to the RRC Wakefield merger, Gregg served in the dual role of President and Chairman of the Board of Directors of RRC. Chief Business Development Officer: Tyler is an acknowledged expert in several areas of medical collections including ambulance, surgical centers, hospitals, and radiology. Mr. Marsh has assumed the responsibility of growing and managing the relationships with our clients, with great success. Chief Compliance Officer: (blah blah blah... Debra holds an MA in Organizational Management from the University of Phoenix and a BA in English and Secondary Education from Iowa State University. Debra is also a Professional Collection Specialist(ACA), a Trainer Specialist, and holds ACA’s Scholar and Fellow Degrees in Collection Business Management. In 2009, Debra earned ACA International’s Credit and Collection Compliance Officer Designation. Director of IT: Kevan holds degrees undergraduate degrees in mathematics and history. Again, NO ATTORNEYS!!
  7. I have a $126 "Paid" collection dated Nov 2013 on my credit reports. If it is relevant, I'm not sure if I paid directly to the CA ("Med Data Sys") or directly to the hospital. I am wanting to know what steps I can take at this point. I've read through WhyChat's links (geez, what an awesome resource!) but I am still unsure exactly what I need to do. It seems like I could send the wrong letters (or in the wrong order) and screw things up. Thanks in advance for any help!
  8. Last year our baby was moved to NICU the day after born claiming for infections and was advised that baby would need a week of medication and observation. Baby showed significant improvement from third day and all the medical apparatus were removed other than monitors. During the last two nights on baby's hospital stay we were informed that we can spend time with baby in normal room which we agreed to and was handed to us without no medical apparatus including monitors. We were told baby will be taken for medication in the morning and in the evening. Left facility after paying wife's charges. Later received 2 separate bills for the baby one from NICU hospital facility and other from NICU care which they charged for all 7 days at NICU rate without excluding the last 2 days. Also the baby was admitted on first day in the evening and they even charged full day for that. My insurance paid them and left with my portion. I disputed these 2 bills wrote letters and called but all went in vain I requested for health records and the medicine administration sheet doesn't show any medication after 4th day but in a different notes other than medicine administration sheet it was written they will be continuing the medication till day 7. Reached out medical facility and NICU care about the discrepancy and they kept claiming to be billed correctly. I have received a letter from CA about the NICU care charges and mentioned that NICU care has asked to report the charges to CRA. I am willing to dispute with CA and using this letter for dispute to start with --> https://whychat.me/ltrcaval.html Please advise if i am going in right direction.
  9. Hello WhyChat, Hope you're doing great. Helping a relative deal with Medical bills. Here are the facts: · My relative cut his finger while mowing his grass (over 1 month ago) · Ran to the nearest medical facility and they did NOT treat him at all however they sent him over to another equipped medical center. · The medical center where they sent him over is the ONE who treated his injured finger and took care of him and they billed him a $1000 (which he is willing to pay) · Yesterday he received another bill from the original facility he first ran into and who did NOT treat him and their bill was for $5000 · He is in shock and doesn’t know what to do he wanted to call them and dispute it but I am holding him off. How can he approach this situation with this medical facility that charged him $5000 For Nothing? Please advise Thank you
  10. It appears I have been balanced billed for services provided for in network which is illegal I believe. I was only supposed to pay around $38 but was billed and sent to collections for $1,580. It appears the medical provider took the amount they billed and subtracted it from what the health insurance paid and send that amount to collections. I paid it because I did not want it reporting on my credit report. The services provided were indeed within the network so what they did was not honor the member rate and billed me incorrectly. What action should I take and can I get a refund along with any other damages?
  11. I used to lurk this forum for advice. I had my scores hovering around 700 when I lost my job and had two hospital stays. I kept my head in the sand for a few years until I got brave and ordered my paper reports. After triaging them, I realized that things were not as hopeless as I'd feared. This time I am being sensible. I'm not apping for crap cards or just any store card that will approve me, and I am certainly not carrying a balance on any of my cards. If I hadn't had high balances on so many cards before, I would have been fine. This time I'm focusing on cards that will actually benefit me, and getting fewer of them. I currently have five cards and a car loan. I'm wondering: would it serve any purpose to take out a rebuilder loan at my credit union, or just let these cards age? Also, would it be wise to wait one more year before disputing my three remaining medical accounts? They are currently three years old and my state's SOL is four years. I don't want to invite a lawsuit. Thank you for any advice.
  12. https://www.dailykos.com/stories/2018/9/19/1796833/-Dog-Owners-Time-to-Wash-or-Replace-Water-Bowls?detail=emaildkre No paywall link.
  13. Looking for some clarification regarding the process. I have sent each of the CRAs the initial dispute letter for a single account on my credit report that I am disputing per https://whychat.me/hipaadisp.html I have received a response back from all 3 saying they were verified/valid with NO documentation provided or proof it's my account. My next step is (https://whychat.me/ltrcavalhipaa.html-unpaid) correct me if I'm wrong is to send 3 letters to the Collection Agency. What do I put in the PM# field? Do I put in the PM# of the currents letter I am sending to them or something else? ABC Collections 123 NotOnYourLife Ave Chicago, IL Date: _________ PM#____________ Re: Acct # XXXX-XXXX-XXXX-XXXX And do I have to wait 30 days to follow up dispute? Or can I send these once the Collection Agency receives it? https://whychat.me/ltrcavalhipaa.html#DISPUTE Thanks for the help.
  14. I finally got around to getting things done. The letters will be sent tomorrow afternoon priority mail proof of delivery only. Mainly my husbands 4 accts. all assigned July through Dec. 2015, all PAID, one with nationwide recovery and the other three with the same local collection agency. Mine is first reported 6/2012 with same local agency not paid. opted out a long time ago, have lived same house for too long to worry about deleting old addresses. To be sure I am doing this correctly..... will wait for response before mailing. 1. send this Credit Report Dispute Form MULTIPLE accounts new initial dispute form and wait for response from CRA OR for his (all paid) do I send the letter for paid collections first? MEDICAL DISPUTE VALIDATION LETTER FOR PAID ACCOUNTS
  15. Hi Why Chat Opted out Sent initial dispute EQ deleted Ex and TU came back confirmed. Next step?
  16. Hello, I am new to the forum and have done some reading around but I have not been able to resolve a question I have. I owe a medical debt which was sold to a collections agency but I have not received any communications from them and I am not sure how to proceed. Back in March of 2017 I saw my primary care doctor (in NC) and bloodwork was taken during the visit. Unbeknownst to me, there was a billing error where my insurance paid my primary care doctor but never received the bloodwork paperwork. The bloodwork was processed by an off-site hospital and I was not aware of this procedure up front. I heard from a random hospital (also in NC) in September of 2017 saying I owed $133 for bloodwork from that visit. I resubmitted this to my insurance company. I have a high deductible plan and my insurance company instructed me to pay the provider directly and gave me credit towards my annual deductible for the payment. I did not hear back from the insurance company until 11/15/17. At that point I attempted to pay the debt directly on the hospital's website but was notified that I could not pay as the balance had been forwarded to a collections agency. The agency appears to be a NC collections agency, but all I am provided with is a name and a telephone number. Since then I have not had any communications from the collections agency. I have not contacted them. I am happy to pay this balance but I am afraid of the consequences of contacting the collections agency on an unsolicited basis. I plan to buy a house in the next 6 months and do not want this to impact my credit score which is in the low 700's. What is the best way to take care of this without impacting my credit? Thank you so much for your time to read through this!
  17. Should I even bother paying this? It only shows on Equifax and just fell off from Experian. Finally getting back on track and was wondering if this would even keep me from future credit limits.
  18. Hi new member, I have a question, I'm currently on a payment plan with NRA collection agency for about $5k in medical debt. Which i should have paid off within the next 6 months. But I want to know would it be wise to do the HIPPA process now to try to get it just removed from my report. and I still be able to make my monthly payments. Also they said they would remove it complete once the debt was paid in full.
  19. My daughter had a medical procedure done back in early 2015. I paid the amount due and everything was fine. In fact, I guess I overpaid, because about a month later, I received a check back from the medical provider after insurance adjustments had been paid. Around December of 2015, I received a bill again from the medical provider, stating that due to further adjustments, I now owed them money again. I didn't understand it then, and I still don't understand it now, but that's not really the point. I talked to the medical provider a few times and then to my insurance a few times, and never got a really clear answer as to why I owed money, when they had sent me a reimbursement check earlier that year. Since I didn't understand it, I never paid. Fast forward to this year, and in March, the medical provider sent my bill to collections. I had forgotten all about WhyChat's HIPAA method, so this is what I did instead: I called the OC medical provider and paid them. I'm never going to pay a CA, so that's why I paid the OC. I had hoped the OC would contact the CA to remove the collection. Well, they didn't. Instead, the CA just updated the account to say "Paid." (as a sidenote, the amount the CA is reporting isn't even accurate, it's off by about $0.50, for whatever that's worth) I sent a letter to the CA based upon this letter at https://creditboards.com/forums/index.php?showtopic=536064&p=5137907 That letter apparently did no good, because the CA never did anything. I then went online to EQ, TU, and EX to dispute the collections by claiming "Not Mine." The collections all came back verified. It was at this point that I then remembered all about WhyChat and HIPAA. I typed up a letter to the OC medical provider based upon this letter at https://whychat.me/hipltr.html I used the ( b ) insert, since I had paid them already, with the receipt attached. I had hoped that they would contact the CA to delete the collections, but instead I got a response back from the OC medical provider detailing that the Paid Collections was accurate and some other information that was basically telling me that they weren't going to do anything. So I guess my next step is to send letters to the CRAs, as well as a follow up letter to the OC medical provider? Should I send a letter to the CA as well, based upon the letter from https://whychat.me/ltrcavalhipaa.html? Do I send all these at the same time? Or the CRAs first, and then then the OC, and then the CA? Have I already screwed myself by doing incorrect steps first, before doing WhyChat's method? Thanks!
  20. key


    Does anyone know anything about this company?
  21. After quite a few months of research on credit repair I've decided to begin my quest to clean-up/correct my own credit reports. Below is a history of what I've completed, as well as a list of the steps that I have ahead of me. If anyone has any additional information for me along my path I'd certainly appreciate it! Steps Completed: 1) Request copy of my Credit Report directly form the CRA with corresponding report number 2) Opt Out 3) Clean up old/outdated/incorrect address data Next Step: 4) Send Initial Dispute Letter to all 3 CRAs (hand written and addressed, certified mail only) Accounts Being Disputed: Equifax :: 2 accounts (IC Systems - $208, and Collection Srvc of Athens - $245) Experian :: 2 accounts (IC Systems - $208, and Collection Svc of Athens - $245) TransUnion :: 1 account (IC Systems - $208) As a resident of Texas I admit I've been a bit confused as to which methods best apply to me, but even as as a TX resident WhyChats HIPAA process seems to be "the way." I am set to send out my 3 initial dispute letters tomorrow, but I wanted to check in with the group to make sure Im am on the best path for ME. to everyone who reads this, and especially WhyChat. thank you for your help! -aj
  22. Hello, I am new to CreditBoards, but have been pouring over the material and am very excited to begin my credit repair. I have triaged my reports and am looking now to tackle a number of old accounts that went to a collection agency for medical services. All of these accounts went to the same collection agency (for services at two local hospitals) and range between 6 and 2 years old. I paid the CA in full, directly, for all of these accounts. The CA is Skagit Bonded Collections, a local collection agency in northwest Washington State. I have 7 similar accounts on my credit reports from CA Skagit Bonded Collections. I read PsychDoc's very helpful sessions, and have begun reading up on Why Chat’s HIPAA program, but have been unable to locate a clear path for what to do to have these removed from my credit reports, if possible at all. I am sure I can find it in Why Chat’s excellent material, but so far I have been unable to locate information for when the CA was paid instead of the OC. If memory serves, I simply went to the CA and paid out of pocket for all of these services once I knew I owed them. I may have set up a payment play or two. I am not sure if I signed or turned in anything to the hospitals at the time of services, but I doubt it. The pay status on all accounts is, "Account Paid in Full; was a Collection." The responsibility on all accounts is, "Joint Account." I was married at the time I paid all the accounts and incurred services, but I am now divorced. Some of the account remarks state, "ACCT INFO DISPUTED BY CONSUMR; >PAID COLLECTION." While others just say, "PAID COLLECTION." I do not remember disputing any accounts, though I may have said I never received any notice that I was to pay. I moved around quite a bit during this time, so that may be why I did not receive bills. I just moved again, and am awaiting my new driver's license and once I receive that, will begin work on deleting old addresses. But, I wanted to get going on this so I am ready once my old addresses are (hopefully) removed. Do I begin by writing to the hospital directly? Or should I write to the CA, who I paid in full for all services after they went to collections? Does anyone have a sample letter, or can you point me to one, that deals with paid CA accounts (paid to the CA) for medical services? Should I begin with a Goodwill Letter? Or should I jump right to a different kind of letter? And one non-medical related question - Can I get old addresses removed if I do not yet have my new driver's license with my new address? If yes, how so? Or should I wait until my new license arrives? Any and all information is very welcome. Again, I am relatively new, so if I am completely missing something, or there is a post somewhere that answers all this that I have yet to find, please let me know. Essentially, I just need to know where to begin/what to do. Sorry for the long post and let me know if any additional information is needed. Thank you!
  23. Hello all, I've been lurking and reading for a few weeks now, and have been following Why Chat's guide to get started. My husband and I are in the process of applying for mortgages, and we found that my credit report showed 4 medical accounts in collections. They're from my ex-husband, who went to the hospital after we'd legally separated, but before our divorce was finalized. I have a police report, and I'm going through Why Chat's HIPAA process to have them removed since they're all from 2009. Details below: EXP Potentially negative: CMRE Financial Services Inc Credit Systems International Inc Potentially negative closed: American Capital Enterprises High Desert Creditors EQ Potentially negative: Credit Systems International Inc Potentially negative closed: High Desert Creditors TU Potentially negative: CMRE Financial Services Inc Credit Systems International Inc So far I have: 1 - Opted Out 2 - Sent the address deletion requests (10 old addresses...yikes) via CM, no RR. TU received theirs, but the addresses I used for the other 2 CRAs must've been old. They were returned to sender, so I'm waiting to get them back in the mail to resend. 3 - Prepared the handwritten HIPAA Dispute Letters per Why Chat's guide using real report numbers. Questions I have: 1 - Can I send the TU dispute letter now that I have proof they've received it, even if I don't know if they've deleted the addresses yet? 2 - Should I wait until the other 2 CRAs have definitely received their address deletion letters before sending the HIPAA disputes? I'm itching to pull the trigger! 3 - Is there anything different from the normal HIPAA process that I should do since these debts were definitely not mine, and I can prove I didn't have liability? 4 - When is that new rule regarding medical debt not impacting credit reports taking effect? The frustrating thing is that even if you add all 4 of these debts together, they don't even total $2k. It's just annoying that these are giving my credit score a black eye when I've paid everything on time for my whole life. Thanks for the great help here!
  24. I started with few medical collections from late 2010 when I found this board and Why Chat’s system. I had moderate success and removed two out of three collection lines. Perhaps last one being rather stubborn and I would like get advice as to how I should proceed in my situation. Case is identical for all three CR agencies. 1) Started according to the system with removing old address and incorrectly spelled names. 2) Opted out. 3) Sends hand written notice to every CR and had all three marked line in question as disputed. 4) Account came back verified from every CR. 5) Send out medical DV letter to CA in question and received answer, also mailed follow up to every CR which came back as account verified. Perhaps I am not clear if answer satisfied everything DV letter was asking for. At first I did not think it did, but I hope more knowledgeable people can clear it up. Here is the exact text of CA response: _________________________________________________ Date: ##### Reference: #### As you are already aware, ARS represents the doctors who provide services in healthcare facilities throughout the country. In response to you request for verification of debt we have listed the information below. ARS has confirmed the outstanding balance of $692.00. This past due amount remains outstanding from services provided on the following date(s): Service date: Creditor Name: Invoice #: Original balance: Current Balance: CBR# ######2010 Inphynet South 123456 692 692 The account are delinquent and may have been reported to the credit bureaus. Please remit payment in full to the address show above. Best regards ARS. ______________________________________________ In light of this response from ARS and the fact that every CR agency came back verified. What is best course of action at this point? Is this letter satisfies all legal requirements or I have grounds for CFPB complaint? Thank you in advance.

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