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Wife's Medical Collections - WhyChat Help

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Hi WhyChat,

 

My wife had three unexpected surgeries and 4 unplanned ER trips in the past two years. We had a HDHP before cause both of us were healthy, but that royally screwed us with her medical issues. We were unable to pay her bills and now are getting collection notices. On her credit report, only one of them shows, however for this one we never received a collection notice from the CA. I disputed this one last year through Experian (prior to learning of the WhyChat method) as it was the only one reporting, and Experian returned it verified.

 

We received a few more CA notices in the mail, none of these are reporting on any CRA yet, what should our steps be? Send the HIPAA DV letter and wait for their response? Additionally, for the account disputed through experian earlier, the remarks say "Disputed by consumer (FCRA)", should I redispute again with the whychat letter, or should I go straight to the CA?

 

Thanks for all the help in advance!

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Did you apply for any assistance?? Was any assistance offered to you??

What were the dates of medical services??

Are you vulnerable to judgment liens?? That is can your wages be garnished can assets be seized? 

Is your income exempt from garnishment?? That is SS, pension etc.?

 

Follow the guides;

https://whychat.me/GUIDEBOOK.html

https://whychat.me/GUIDE HIPAA PROGRAM.html

 

If your last dispute to any CRA was more than 90 days ago ( time for it to have been cleared from their active computer records) you can send the initial dispute letter to the CRAs

https://whychat.me/hipaadisp.html

 

DO NOT do any follow up medical DVs unless the medical services are AT LEAST 2 years old AND you are "judgment proof"

 

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1 hour ago, Why Chat said:

Did you apply for any assistance?? Was any assistance offered to you??

What were the dates of medical services??

Are you vulnerable to judgment liens?? That is can your wages be garnished can assets be seized? 

Is your income exempt from garnishment?? That is SS, pension etc.?

 

Follow the guides;

https://whychat.me/GUIDEBOOK.html

https://whychat.me/GUIDE HIPAA PROGRAM.html

 

If your last dispute to any CRA was more than 90 days ago ( time for it to have been cleared from their active computer records) you can send the initial dispute letter to the CRAs

https://whychat.me/hipaadisp.html

 

DO NOT do any follow up medical DVs unless the medical services are AT LEAST 2 years old AND you are "judgment proof"

 

We applied for assistance at one of the hospitals, but not the other. Nothing came of the first assistance request.

 

Her first operation was in November of 2018, second and third ones were both in March 2019. 
 

We live in Texas, which correct me if I’m wrong, but a debt collector can’t garnish wages in TX, additionally she has no large assets in her name, we live in an apartment, and our car is in my name. She also just lost her job due to Covid so no income on her end either. I’m not sure if that makes us judgement proof, but I’m assuming so.

 

I will resend the dispute to the CRA, but your point to not send a medical DV, what do we do with the new collection notices with the 30 day validation window? Do we let them go and wait till they report?

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https://whychat.me/States/state-tx.html

 

You are correct wages can not be garnished.

"what do we do with the new collection notices with the 30 day validation window? Do we let them go and wait till they report?"  I suggest the medical DV with this added paragraph;

You are also advised that you may be in violation of the Notice of Proposed Procedures for Charitable Hospitals to Correct and Disclose Failures to Meet Section 501(r) of the Affordable Care Act.

https://whychat.me/ltrcavalhipaa.html

 

Why didn't you apply for assistance to the other hospital?? They are required to offer it to you.

 

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1 hour ago, Why Chat said:

https://whychat.me/States/state-tx.html

 

You are correct wages can not be garnished.

"what do we do with the new collection notices with the 30 day validation window? Do we let them go and wait till they report?"  I suggest the medical DV with this added paragraph;

You are also advised that you may be in violation of the Notice of Proposed Procedures for Charitable Hospitals to Correct and Disclose Failures to Meet Section 501(r) of the Affordable Care Act.

https://whychat.me/ltrcavalhipaa.html

 

Why didn't you apply for assistance to the other hospital?? They are required to offer it to you.

 

Didn’t send the letter in time before they sent the bill to collections.. very dumb of me I know.

 

I’ll send the medical DV with your added lines to the collection notices, and send your HIPAA dispute your the CRA for the one collection on her report. Will report back the results. Thank you

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Just an update/question:

 

We submitted the DV letters to the CAs last week, one of the CAs keeps calling despite receiving the letter and not yet providing any validation. Is it worth it to pursue this further and file a complaint to the CFPB for FDCPA violations?

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No, wait until  they have had time to process the medical DV. ( It has a cease and desist in it)

https://whychat.me/ltrcavalhipaa.html

 Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of; or verifying of this account on my credit reports.
Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns

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