WhyChat, What If I Can't Pay In Full?

[AHGoodwin]

Good afternoon,

 

I have just posted my current situation and plan of attack over in the credit section [HERE]. Being as all but one of my collections is medical, it was suggested that I make a post over here for your advice on the situation. I have read your plan for dealing with medical debt, but being as from what I see, it involves paying the full amount owed, my plan did not include your method. Although I know for many people $3000 isn't much to be able to clean up your report but for us it simply isn't possible, at least not in a lump sum. Since I became unable to work 3 years ago, we are on a single income of less than $20,000 take home. So, hence my plan that if the debt was in fact proved as valid, a relationship exists, etc, etc, I would be looking at a payment plan. Preferably with the OC, but if they will not, then with the CA. Please let me know if you have any suggestions as far as how to deal with these debts. Thank you for your time.

 

 

 

Collections:

CA: Marcam Associates

OC: Med1 Spear Memorial Hospital

Balance: $919

Opened: July 2013

Closed: ----

Last Reported: Sep 2013

Remarks: Placed for Collection

Notes: Unknown ER visit.

Showing on: Trans Union only

----------

CA: Marcam Associates

OC: Med1 Spear Medical Associates

Balance: $252

Opened: April 2013

Closed: ---

Last Reported: July 2013

Remarks: Placed for collection

Notes: probably a lab fee.

Showing on: Trans Union only

----------

CA: Marcam Associates

OC: Med1 Spear Medical Associates

Balance: $125

Opened: Oct 2012

Closed: ---

Last Reported: Jan 2013

Remarks: Placed for collection

Notes: He is pretty sure this was for the PT consult when he broke his hand. It was supposed to go to insurance but turns out employer lied about when insurance became active and it was not covered.

Showing on: Trans Union only

----------

CA: Marcam Associates

OC: Med1 Spear Memorial Hospital

Balance: $175

Opened: Jan 2011

Closed: ---

Last Reported: April 2011

Remarks: Placed for collection

Notes: Unknown ER visit.

Showing on: Trans Union only

----------

CA: Marcam Associates

OC: Med1 Spear Memorial Hospital

Balance: $1,311

Opened: Dec 2010

Closed: ---

Last Reported: Feb 2011

Remarks: Placed for collection

Notes: Unknown ER visit.

Showing on: Trans Union only

----------

CA: Marcam Associates

OC: Med1 Spear Memorial Hospital

Balance: $175

Opened: Dec 2010

Closed: ---

Last Reported: Feb 2011

Remarks: Placed for collection

Notes: Unknown ER visit. Possible duplicate of other $175 from same CA and OC?

Showing on: Trans Union only .....

 

~Amanda

[JayB27]

I didn't find out until after I told you to post here today, that Why Chat is going on vacation.

 

Your steps at this point are to wait for the SS card so you can get the old addresses deleted, if you've moved since the dates of ANY of the medical services.

 

Then, once you get those removed Why Chat should be back, but you will be sending the initial dispute letter to TransUnion, since they only appear on that CRA:

 

http://whychat.5u.com/hipaadisp.html

 

Be sure to follow the instructions, as it includes different types of colored papers and or fonts.

 

Here is his general guide:

 

http://www.whychat.5u.com/GUIDEBOOK.html

[AHGoodwin]

Thanks for letting me know. Yes I need to have the addresses deleted as they were all at our prior address. There are no negative lines associated with our current address thankfully.

[AHGoodwin]

Bump.

[Why Chat]

Once you have opted out and deleted old addresses, whenever possible, you send the initial dispute letter to the CRAs

 

 

http://whychat.5u.com/hipaadisp.html

 

Have you filed a dispute or appeal on the insurance claim??

 

Get your EOMBs ( explanation of medical benefits) from your insurance for ALL of these accounts. Look for "patient responsibility" not the original billed amounts.

 

Come back here with your results, once you have gone through the first steps.

 

.

the directions for deleting old addresses are in the guide:

 

To delete old addresses send a letter to each CRA ( Credit Reporting Agency) with a copy of the personal data page of your report and the "old" addresses circled in red. You state that the circled addresses of xxxx and xxxx are invalid and that you are concerned about ID theft/fraud, include a copy of your drivers license, a copy of your SS card and a copy of a recent utility bill as proof of your identity and correct address.

[AHGoodwin]

We have not disputed the one that was supposed to be covered because it was our employer that screwed up, not the insurance or doctor. They told us our insurance coverage had started, when it hadn't. Just pissed us off cause we could have waited a week and had one less collection to deal with.

 

As far as the others, I know we didn't have insurance for the 2013 visits, but I think we did for the 2011 visits. I don't even know if that insurance company is still around but Ill look into it and see if they can send us any records they have.