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Medical Collections and Credit

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Hi All,


After alerting them NUMEROUS times of my change of address, the absent minded, neglectful billing person  did not send my small medical bill to my new home and my account went to a collection agency on 12/31/20.


I always pay my bills on time, so I am worried about the impact this will have on my credit.  


If I pay my bill today 1/8/21 or or Monday, 1/11/21, will this impact my credit negatively? 



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2 hours ago, MarvBear said:

Welcome to CreditBoards

Thank you.


I wanted to add that the bill is from a 7/23/2020 appointment, if that helps.  

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Follow the guides;



If you can pay your Dr directly, on line with a debit card or in cash personally ( get a receipt for CASH) that would be best, otherwise pay the Dr with a MONEY ORDER ( not a personal check ) and this edited letter-- follow the endorsement instructions;

Please make sure that your payment is in the form of a bank cashiers check or bank money order,(do not use a postal money order). THIS IS CONSIDERED THE SAME AS A CASH PAYMENT, that you make a photo copy of the front and back of the remittance, that your name and address are CLEARLY printed on the remittance, that it is made to the order of THE ORIGINAL HEALTH CARE PROVIDER, and that you print or type clearly in the endorsement section "For Deposit Only to the Account of (name of H.C. provider)(This of course allows your IRS deduction as a medical expense). MAKE SURE that you put the account # if available ( not the CA account # but from your original billing), in the "for" section on the front of the money order. If you do NOT have the original account # OR if you have several accounts with the SAME OC under ONE account #, put the name of the patient, date of service and patient's SS # in the "for" area.
Send ALL correspondence to the HIPAA COMPLIANCE OFFICE of the HC provider,CMRR. 

(Your Name)
(City,State, zip)
s.s.# (social security #)
HIPAA Compliance Office
( health care provider creditor)
Dear Sir/Madam;
This letter is in reference to (account #) for services provided to (name of patient) on (date of service).
In regard to the bill on this account in the amount of ($___):
Enclosed please find my remittance of ($___) for payment in full of this account.
Please note, my remittance is payable ONLY to (hc provider) and may not be signed over or transferred to any third party collection agency, as this would constitute a violation of HIPAA, State Privacy Act rules and the Omnibus Final Rules. .
Copies of this correspondence and a copy of the remittance check may be used for any further actions with State or Federal agencies
Your furnishing of my account information to (collection agency name), is not in compliance with HIPAA,or (name of your State}'s Privacy Act, and any subsequent reporting of this account on my credit reports to (credit reporting bureaus) is a clear violation of Public Law 104-191 ("HIPAA") since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due.In addition the new Omnibus Final Rule states:when patients pay out of pocket in full, they can instruct their provider to refrain from sharing information.This letter serves as that instruction
Therefore I am requesting you promptly rescind all such account information furnished to (collection agency) and require them to purge their records of all reference to this account, and that you insure that any and all reporting of this account is immediately deleted from my credit reports.
(Your Name)


Once you have paid your Dr you can THEN send the CRAs where the account is reporting, this:



These instructions will prevent the account from being reported as a paid collection.

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