strawberryblue Posted October 19, 2020 Share Posted October 19, 2020 I have a medical bill between $100-$110 that that has been picked up by a debt collector. Original creditor wouldn't reverse despite offer to pay in full, read online to send to pay for delete. I sent a certified pay for delete which they received. The offer was to pay in full. I asked for them to respond within 15 days which would be the end of this week. So far I have not received any response via mail, just two phone calls asking me to call them. According to credit karma (I used for the credit report/monitoring info, not for the scores), it has not been reported to credit bureaus as of yet. I have no late/collections of any kind on my credit report. I understand that they don't have to respond but is there anything that I can do more on my end? Do people ever offer to pay more than the full amount for them to agree? Any advice would be appreciated. Quote Link to post Share on other sites
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Why Chat Posted October 19, 2020 Share Posted October 19, 2020 What was the date of medical service?? If it is within the past 2 years and you are SURE ( based on your EOMBs) that the amount is valid then you can pay the OC directly using the HIPAA letter program. https://whychat.me/GUIDEBOOK.html If it is not on your credit report and you are sure of the amount you can pay the OC directly using the HIPAA letter insert "a" https://whychat.me/hipltr.html If you pay the CA it might show up ( even though it is not yet reporting) as a paid collection on your reports. Quote Link to post Share on other sites
centex Posted October 19, 2020 Share Posted October 19, 2020 8 hours ago, strawberryblue said: I have a medical bill between $100-$110 that that has been picked up by a debt collector. Original creditor wouldn't reverse despite offer to pay in full, read online to send to pay for delete. I sent a certified pay for delete which they received. The offer was to pay in full. I asked for them to respond within 15 days which would be the end of this week. So far I have not received any response via mail, just two phone calls asking me to call them. According to credit karma (I used for the credit report/monitoring info, not for the scores), it has not been reported to credit bureaus as of yet. I have no late/collections of any kind on my credit report. I understand that they don't have to respond but is there anything that I can do more on my end? Do people ever offer to pay more than the full amount for them to agree? Any advice would be appreciated. You want a favor from your provider. The provider is owed the money. They have asked you to call them about said favor. This is a dinner for one being discussed, presuming a halfway decent glass of wine. Call them. Otherwise they know you really don't have a vested interest in resolving the matter and making the provider whole. CreditCurious20 and hegemony 2 Quote Link to post Share on other sites
strawberryblue Posted October 20, 2020 Author Share Posted October 20, 2020 5 hours ago, centex said: You want a favor from your provider. The provider is owed the money. They have asked you to call them about said favor. This is a dinner for one being discussed, presuming a halfway decent glass of wine. Call them. Otherwise they know you really don't have a vested interest in resolving the matter and making the provider whole. I thought that it's best advice not to contact a DC, just to request everything in writing? Quote Link to post Share on other sites
strawberryblue Posted October 20, 2020 Author Share Posted October 20, 2020 (edited) 9 hours ago, Why Chat said: What was the date of medical service?? If it is within the past 2 years and you are SURE ( based on your EOMBs) that the amount is valid then you can pay the OC directly using the HIPAA letter program. https://whychat.me/GUIDEBOOK.html If it is not on your credit report and you are sure of the amount you can pay the OC directly using the HIPAA letter insert "a" https://whychat.me/hipltr.html If you pay the CA it might show up ( even though it is not yet reporting) as a paid collection on your reports. Thank you, I haven't found anything so far that is for specifically for BEFORE the statue of limitations. The debt is from earlier this year. Will any of these links cover that? Edited October 20, 2020 by strawberryblue Quote Link to post Share on other sites
centex Posted October 20, 2020 Share Posted October 20, 2020 13 hours ago, strawberryblue said: I thought that it's best advice not to contact a DC, just to request everything in writing? 1) This isn't reporting according to you. 2) It's a C-note. 3) This isn't the same as standard credit collections. 4) I don't live in fear of my phone. 5) Your phone, YOU control the narrative. 6) Something that is not reporting cannot be deleted. hegemony and Bluesie58 1 1 Quote Link to post Share on other sites
strawberryblue Posted October 20, 2020 Author Share Posted October 20, 2020 2 hours ago, centex said: 1) This isn't reporting according to you. 2) It's a C-note. What does this mean? 3) This isn't the same as standard credit collections. I think thats were I am confused at, what is the difference between a medical and standard credit collector? I know it weighs n FICO 9 but are the medical DCs more lenient than standard ones are far as how they report? Will medical collection still significantly drop your score despite the FICO 9 weight difference? 4) I don't live in fear of my phone. 5) Your phone, YOU control the narrative. Thanks, I will call. 6) Something that is not reporting cannot be deleted. I get that, I did include in the letter to request that they send documentation stating that they would not report it after receiving payment, if it was not already on the credit report. . Quote Link to post Share on other sites
Why Chat Posted October 20, 2020 Share Posted October 20, 2020 16 hours ago, strawberryblue said: Thank you, I haven't found anything so far that is for specifically for BEFORE the statue of limitations. The debt is from earlier this year. Will any of these links cover that? If the account is for services earlier this year pay the OC with the HIPAA letter insert "a" https://whychat.me/GUIDEBOOK.html https://whychat.me/hipltr.html OR, if you are near the OC bring CASH or a BANK MONEY ORDER to the OC and get a cash receipt. Any other system will allow the OC to sign over the payment to the CA. Quote Link to post Share on other sites
centex Posted October 20, 2020 Share Posted October 20, 2020 5 hours ago, strawberryblue said: . C-note is a hundred dollar bill. hegemony 1 Quote Link to post Share on other sites
strawberryblue Posted October 21, 2020 Author Share Posted October 21, 2020 21 hours ago, Why Chat said: If the account is for services earlier this year pay the OC with the HIPAA letter insert "a" https://whychat.me/GUIDEBOOK.html https://whychat.me/hipltr.html OR, if you are near the OC bring CASH or a BANK MONEY ORDER to the OC and get a cash receipt. Any other system will allow the OC to sign over the payment to the CA. I am going to take it to the OC, I have a money order from Western Union, is that considered a cash money order? Quote Link to post Share on other sites
Why Chat Posted October 21, 2020 Share Posted October 21, 2020 Yes, just make sure you sign the back "For deposit only account of (name of OC) so it can't be signed over to the CA Quote Link to post Share on other sites
strawberryblue Posted October 24, 2020 Author Share Posted October 24, 2020 should I be putting this exactly on the signature line? I put the exact text underneath it and signed next to my words, which was under there endorsement line. They need to be able to sign in the endorsement signature space, right? On 10/21/2020 at 1:39 PM, Why Chat said: Yes, just make sure you sign the back "For deposit only account of (name of OC) so it can't be signed over to the CA Quote Link to post Share on other sites
Why Chat Posted October 25, 2020 Share Posted October 25, 2020 NO NO NO!! You should NOT "sign" the endorsement!!. The endorsement "For deposit only" goes on the BACK of the check, not the front. Quote Link to post Share on other sites
strawberryblue Posted October 25, 2020 Author Share Posted October 25, 2020 7 hours ago, Why Chat said: NO NO NO!! You should NOT "sign" the endorsement!!. The endorsement "For deposit only" goes on the BACK of the check, not the front. Ok, so just to clarify, I should be writing this UNDER the endorsement signature line. “ for deposit only to the account of such and such” and sign my name next to that? . Sorry I have have little experience with money orders. Quote Link to post Share on other sites
Why Chat Posted October 26, 2020 Share Posted October 26, 2020 20 hours ago, strawberryblue said: Ok, so just to clarify, I should be writing this UNDER the endorsement signature line. “ for deposit only to the account of such and such” and sign my name next to that? . Sorry I have have little experience with money orders. No, ON the endorsement signature line. DO NOT SIGN ANYTHING. ( The endorsement signature line is on the BACK of any money order or bank check. Quote Link to post Share on other sites
strawberryblue Posted January 13 Author Share Posted January 13 On 10/26/2020 at 1:33 PM, Why Chat said: No, ON the endorsement signature line. DO NOT SIGN ANYTHING. ( The endorsement signature line is on the BACK of any money order or bank check. I am sorry you decided to start a new thread as it makes it very difficult to provide you with accurate advice. I am now in the old thread so that you can follow what I have done. Did you follow ANY of the guides? This is what I followed: “ If the account is for services earlier this year pay the OCwith the HIPAA letter insert "a" https://whychat.me/GUIDEBOOK.html https://whychat.me/hipltr.html OR, if you are near the OC bring CASH or a BANK MONEY ORDER to the OC and get a cash receipt. Any other system will allow the OC to sign over the payment to the CA.” When I sent everything, it was BEFORE the CA reported to the CRA. Everything was done in two months ago, they reported to CRAs this month. https://whychat.me/GUIDEBOOK.html https://whychat.me/GUIDE HIPAA PROGRAM.html DO NOT CONTACT THE CA DO NOT CONTACT THE OC Send the initial dispute letter to the CRAs where the account is reporting; https://whychat.me/hipaadisp.html So are you saying that since I did not follow up to see if the OC cashed the money order, did not send the HIPAA letter to the CA after the confirmation and CA has SINCE reported to the CRA, that I should now do the initial dispute letter discussed above? Are you saying it’s no need now to follow up with western union to see if the OC cashed the MO or not? There are 3 possibilities; 1- The OC has deposited your money order ( Did you at least put the restrictive endorsement on the back?). Yes I put the restrictive endorsement on the back of the check. 2- The OC has NOT deposited the money order as they no longer had any record of the account and didn't know what to do with it because of the restrictive endorsement, (assuming they DO have a current business relationship with the CA) 3- The OC turned the money order over to the CA because you did NOT have the restrictive endorsement. In spite of your OPINION that the reporting CA and the r OC have a current business relationship, you have NO documentation that this is a fact. The results of the initial dispute letter to the CRAs may provide some clarity. thank you for your help. Quote Link to post Share on other sites
Why Chat Posted January 13 Share Posted January 13 Follow up with Western Union to see if the money order has been deposited. (Why didn't you get a bank money order?) Send the initial dispute letter. IF the OC received AND deposited the $$ to your account, AND the reporting CA is in a current business relationship with the CA then your dispute should be successful in getting the entry deleted . Quote Link to post Share on other sites
strawberryblue Posted January 13 Author Share Posted January 13 4 hours ago, Why Chat said: Follow up with Western Union to see if the money order has been deposited. (Why didn't you get a bank money order?) I know very little about money order, definitely will go through a bank next time. Send the initial dispute letter. IF the OC received AND deposited the $$ to your account, AND the reporting CA is in a current business relationship with the CA then your dispute should be successful in getting the entry deleted . How do I tell if the OC has a business with the relationship? The OC provided me with their info when I originally called them two months ago but I am assuming that’s not enough confirmation. If they didn’t cash it and/or there is no current relationship, is there another method to have it removed? Quote Link to post Share on other sites
Why Chat Posted January 14 Share Posted January 14 The best way of documenting a current relationship between the reporting CA and the OC will be by the response you would receive from the dispute letter to the CRA. If the CA and the OC are in a current business relationship the CA would have the updated data of your payment and the account will either be deleted or updated to a paid collection. "If they didn’t cash it and/or there is no current relationship, is there another method to have it removed?" Let's not play "what ifs" see what response you get from the dispute letter and we can go from there. Quote Link to post Share on other sites
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