Jump to content

Please consider disabling your adblocker for CreditBoards if you have not already done so.  This site depends on advertising revenue to stay online.


Sign in to follow this  

PFD or HIPAA?

Recommended Posts

I understand the HIPAA method, but in my situation is it quicker to ask for PFD?

 

The OC threatened to sell the debt and then apparently did. I don't recall seeing any letters/voicemails/calls from the CA but there might have been ones I missed. Most likely if they sent me anything it was to my mailbox which was temporarily not accepting mail. The debt is showing on one of my CRs and I haven't checked the others since.

 

I want to spend as little time as possible for my situation because it is a tiny bill. It would be nice if the OC got the money instead the CA, but I am disabled and have to conserve energy.

Share this post


Link to post
Share on other sites

Is the OC a health care facility?? 

What was the date of medical service??

If they actually "threatened" you before transferring the account then you might want to contact some legal help.

 

Otherwise, follow the guides;

https://whychat.me/GUIDEBOOK.html

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

Send any CRA where this or ANY medical account is reporting this;

https://whychat.me/hipaadisp.html

 

If you are disabled and on some type of assistance program for your medical expenses make sure you get a copy of your EOMB ( explanation of medical benefits) from your insurance provider.

Share this post


Link to post
Share on other sites
On 9/20/2020 at 6:22 PM, Why Chat said:

Is the OC a health care facility?? 

What was the date of medical service??

If they actually "threatened" you before transferring the account then you might want to contact some legal help.

 

Otherwise, follow the guides;

https://whychat.me/GUIDEBOOK.html

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

Send any CRA where this or ANY medical account is reporting this;

https://whychat.me/hipaadisp.html

 

If you are disabled and on some type of assistance program for your medical expenses make sure you get a copy of your EOMB ( explanation of medical benefits) from your insurance provider.

Ok, thanks!

 

Yes, a health care facility. Date of service was in July 2017. I have my EOMB. By "threatened" I just meant they kept saying they were going to send it to collections if I didn't pay.

Share this post


Link to post
Share on other sites

It is WAAAY past the time for any valid collection activity.

Follow the guides;

https://whychat.me/GUIDEBOOK.html

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

Send any CRA where this or ANY medical account is reporting this;

https://whychat.me/hipaadisp.html

 

This should get it deleted from your credit report(s)

Come back to this post for additional assistance

Share this post


Link to post
Share on other sites
On 9/22/2020 at 9:43 AM, Why Chat said:

It is WAAAY past the time for any valid collection activity.

Really? It's only been a bit over 3 years, and I think it's 5 years in many states including mine?

Share this post


Link to post
Share on other sites

Is it reporting or not?? On all 3 reports?? The fact is that after 2 years medical accounts are RARELY with the original assigned authorized business associate CA. It is more than likely that it is in the account of a JDB who acquired it from a data miner. What did your EOMB say about "patient responsibility"

Edited by Why Chat

Share this post


Link to post
Share on other sites

Oh. I think maybe it's because this medical provider is so large. It's reporting on 2 of the 3 main bureaus and disputes are in progress. I have original Medicare and the MSN doesn't seem to say anything about responsibility specifically, but it says the provider can bill me up to a certain amount (which is 20%). I don't think we get EOMBs.

Share this post


Link to post
Share on other sites

OF COURSE you get EOMBs from Medicare. They are called Medicare Summary Notices. They send them out about 45 days after they are processed. Go on line or call Medicare and ask them to send you copies of your notices for the time period.

Share this post


Link to post
Share on other sites

In the above post, what I meant is that I already looked at my MSNs and they don't directly say anything besides the max amount the provider can bill me.

Share this post


Link to post
Share on other sites

And what was that "max amount"?? Was it 20% of what was allowed by Medicare?? Is it the same amount that is on the CA account?? Had you met your annual deductible?? 

 

In any case, follow the directions and come back to this post after you get a response from the CRAs to the initial dispute letter.

Share this post


Link to post
Share on other sites

Yes, that max was 20% of the total, and the amount on the CRs is the same (rounded to the nearest dollar). No, I had not met my deductible.

 

My first dispute letter had tracking (as your guide said to do), but the post office showed that the letter stopped moving 30 days ago. So I don't know if that bureau received my dispute. But something new happened, and it might have been triggered by the dispute I made, if they did receive it. (The post office might just not have scanned it properly.)

 

The CA listed on 2 of my CRs has probably resold the debt? I got a letter from a new CA for the same debt saying that the account has been "placed" with them. This is a CA that I've never seen before. Also, IIRC, the first CA did not have/use my current address, but this new CA wrote to my current address.

 

If they did receive my first dispute letter, then I should receive a response soon, but I wonder if I should handwrite another one and send it out. I should have done that once the tracking stopped updating, but I was dealing with some other things. I feel that it's probably not a coincidence that the CA sells my account to another CA within 2 weeks after the bureau would have forwarded them my handwritten dispute.

 

Hopefully that original CA is removed from the other bureau (second dispute) since they sold it.

Edited by PoorGirl

Share this post


Link to post
Share on other sites
On 11/9/2020 at 6:54 AM, Why Chat said:

The post office has had some considerable challenges over the past Month. Send the medical DV to the "new" CA

https://whychat.me/ltrcavalhipaa.html

Thanks for your guidance!

 

I was about to mail that to the new CA (with tracking), but I'm a little nervous. The new CA is offering me a discount and it's only $43, so I wonder if I should just pay them. Of course that's what they want to happen. I am worried if this letter doesn't work and they report to at least one bureau. Do you think that's very unlikely they would report to a bureau? I would rather pay than have on a bureau for a month or two while I try to get it removed. I guess that they would notify me first before reporting?

 

The original CA is no longer showing on the first bureau I disputed, and hopefully it will be off the second bureau soon.

Share this post


Link to post
Share on other sites

If you pay the CA you are setting yourself up with a BIG "KICK ME" on your back. Your data as an easy chump will be passed around to all the scum scam JDBs who will continue to try to harass you with whatever old accounts they can dredge up.  

Share this post


Link to post
Share on other sites
7 hours ago, Why Chat said:

If you pay the CA you are setting yourself up with a BIG "KICK ME" on your back. Your data as an easy chump will be passed around to all the scum scam JDBs who will continue to try to harass you with whatever old accounts they can dredge up.  

Wow, interesting!

Share this post


Link to post
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

Sign in to follow this  




  • Member Statistics

    • Total Members
      179,923
    • Most Online
      2,046

    Newest Member
    Ishan
    Joined

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
×
×
  • Create New...

Important Information

Guidelines