OC refuses payment (what-if)

[23tony]

Hi,

 

I'm reviewing WhyChat's HIPAA process and didn't see anything about this. If I've missed it, please just direct me to the right info. (wouldn't be surprised if I had)

 

What I'm wondering about is what if you confirm a current relationship between CA & OC, then follow up with the payment made to OC, but OC refuses to accept it?

 

If it helps, a little background on why I'm asking: I'm currently dealing with a debt on my CR that might be (I'm not 100% sure yet - just getting started so no verification) one that I have previously tried to pay. The OC got the payment, but returned the check, telling me that it was already sent to a CA and that they couldn't accept it anymore. I never heard from the CA. This was 5-ish years ago. If it's the same debt, I anticipate a similar situation.

 

But even if it's not - I'd still be interested in knowing what the options are in such a case. What are the next steps once payment is refused?

[Why Chat]

Try reading ALL the material:

 

http://www.whychat.5u.com/GUIDEBOOK.html

 

http://www.whychat.5u.com/GUIDE%20HIPAA%20PROGRAM.html

 

http://whychat.5u.com/hipltr.html

 

http://whychat.5u.com/hipaaleg.html

[23tony]

Sorry for being so dense, but I'm still not seeing it.

 

On this page: http://whychat.5u.com/hipltr.html there are the steps for follow up - so, we've done the initial steps, determined a current relationship with OC & CA, determined the validity of the debt, and sent the HIPAA letter to OC with payment and insert "a". But the steps start with "Make sure any money order has been deposited ,or you have received a return receipt from your letter if insert "b" or "c" were used.". In the case I'm positing here, the payment was returned. That appears to halt me at that step, since it hasn't been deposited. There's no option for that.

 

I don't see anything anywhere else, either.

 

Again, I'm sorry if it's there & I'm just blind, but I've gone over it multiple times and can't see anything to cover this situation.

[Why Chat]

Are you saying that you opted out, deleted old addresses, sent the initial dispute letter, had the account verified, and had the reporting CA respond to you AS A RESULT OF THE INITIAL DISPUTE TO THE CRAs with complete account information that was current, OR, that you sent the medical DV to the reporting CA and they responded with that documentation of a current relationship, and that you then paid the OC with the HIPAA letter insert "a" and that the OC has returned your money order to you??

 

 

In the case I'm positing here, the payment was returned. That appears to halt me at that step, since it hasn't been deposited.

 

If you are saying that it has been more than 30 days since the OC has received the money order with the HIPAA letter and it hasn't yet been deposited, then you contact the OC ask to speak to their security department and advise them that xxxx signed for a money order on xx/xx/2013 and you believe it may have been misappropriated.

 

If, on the other hand, your questions are hypothetical -- I suggest you stop wasting everyone's time and either follow the program or not.

[23tony]

My apologies. I was not aware that hypotheticals were unwelcome discussion topics.

[Why Chat]

My apologies. I was not aware that hypotheticals were unwelcome discussion topics.

The idea of this forum is to help people get medical accounts off their reports. For those who follow the programs there is a continuing personal one on one guidance available through every step.

 

Hypothetical questions are a waste of everyone's time ( especially mine)

[23tony]

I also didn't realize this forum was intended for one-on-one support. I certainly had no intention to waste anyone's time, especially yours. I appreciate all the work you've already done to outline the program - my question arose as I was studying it in an attempt to thoroughly understand it, and I really didn't understand what the options were in such a case (which was of concern to me since I've had an OC refuse direct payment in the past). I didn't necessarily want to engage you personally, as I know you spend a lot of time helping people here - I just wanted to explore an area of concern in my understanding of the process. I like to be prepared for all eventualities when I do things like this.

 

I looked at the pinned posts, especially the Welcome thread, and I don't see anything that mentions this, which I think led to my confusion. I generally try to adhere to the rules of a forum and to the etiquette as well, but sometimes such matters are not so easy to see from the outside. Is there an etiquette guide for the forum somewhere that I have missed? I would prefer to avoid similar mistakes in the future - I'm here to learn, not to make anyone angry.

[23tony]

Actually - nevermind. I suppose that question is also inappropriate for this forum. I'll look for a more general forum to ask.

[Why Chat]

There is no "code of conduct" for this or any of the forums that would preclude asking general hypothetical questions. But -- unless you have a specific motive for ANY question it can't really be addressed. For instance, are you writing an article that would outline how to clean your credit and you want to gain a fuller understanding of the process of any of my programs?? All of my programs have clear instructions and a link to the legal premise behind them, including the reason why an OC can not "refuse" a cash payment for services ( a money order is the same as cash)

[23tony]

I guess I see that - no specific motive other than trying to get a better understanding of the process before I start, and trying to see what I missed. Like I said, I like to be really clear on these things - comes from being a programmer, perhaps. (Your plan reads almost like a flowchart, in fact)

 

From what you just said, it looks like I did, indeed, miss something in going through your program info - specifically, the legal basis for the OC not being able to refuse payment. I'll go back and look for that information specifically so I can clarify it for myself. It also answers my other question (unasked here) which is why they could refuse payment when I initially DID send it in - but in that case, it was a check, not certified funds, so I think I understand the situation better.

 

Thank you for the clarification.

 

Wish I had known about this 5 years ago when I first dealt with it. Might have saved me the headache today...