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Question about the Medical debt process

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Please forgive my ignorance. I have quite a few medical bills on my credit report, and a few more that will be hitting after the new 180 rule. My question is in reference to "


If the accounts are verified AND you receive a response FROM THE REPORTING CA ( Collection Agency) with account details that MATCH your records, you can then pay the ORIGINAL CREDITOR HEALTH CARE PROVIDER directly using the HIPAA letter insert "a", be sure to follow ALL the directions"


What if the OC does not cash the payment. For instance, I have been told by the hospital for a recent bill that it was handed over to collections and i would have to deal with them. My worry is that sending them a certified bank money order, and them not cashing it, is my money just floating out there in space.



Thanks a ton



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Follow the guides;





Once you have followed ALL the steps, the next thing to do is to send the initial dispute letter to the CRAs



It is pointless to talk about paying the OC with the HIPAA letter unless and until you have documented that the reporting CA and the OC are in a current business relationship.

On a very recent account that is not yet reporting, wait until you have a contact from the CA.


If you are using the HIPAA letter insert "a", and are worried about them not depositing the money order, you can put a trace on it with the OC after 45 days and give them the name of the person who signed for it.



If you are NOT intending to pay ALL of your medical accounts that are VERY recent (within the past 2 years) and they are ALL valid, and you have cross referenced the amounts with your EOMBs ( explanation of medical benefits) from your insurance, and any one of them is over $500. you run the risk of being sued if your reports indicate that you are vulnerable to garnishment or asset sizure.

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