they are in colection status already, there are different amounts, from different items. Like for the ambulance, for different doctors, from sergury, etc..
Hi Romm
If the debt has already been listed in your credit report, you should first send a debt validation letter by certified mail to the hospital or the collection agency whose name appears in your report against the debt. The creditor need to validate the debt within 30 day of receipt of your letter. Now once they validate the debt, you should contact them for a discount on the actual debt amount and ask for a repayment plan to pay back the debt.
Great idea mary, they may actually go for a payment plan or a good settlement offer depending on your situation and the age of the debt. Print off your report and see what is there now and approach them before they contact you and they will realize that you want to take care of it and may work with you more willingly.
Mostly the collection agency or the creditors agree to settle for 60% to 80% of the actual debt. Although unpaid medical bills do not adversely affect your credit score, because as per FICO algorithm the most important factor in determining your credit score is the credit utilization ratio, I would always prefer to get a pay for deletion agreement before paying off the medical bills.
Sad thing is even 60% of the debt is usually still way more than the original debt due at the time of default. Another reason I get so ticked off that they will sell a debt to a jun kie for way less than the debt. Yet they won't try to work with you so it doesn't hit your cr.
You guys thank you so very much for all of your advice, there are several little charges in my credit report ranging from 47 dollars from something really silly up to 15,000 for actual surgery. About the comment from Justin and FICO score, I would think this is affecting my score cause my credit is compleately shot, there is only one other item from a scured credit card from bank of america, original debt was 375 dollars, now it has ballooned up to 1500 dollars, it went upaid cause or my illness, so....I am compleately s...
If you are trying to delete a collection agency from your credit report then I recommend using the hippa to your favor.
HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT (HIPPA), To amend the Internal Revenue Code of 1986 to improve portability and continuity of health insurance coverage in the group and individual markets, to combat waste, fraud, and abuse in health insurance and health care delivery, to promote the use of medical savings accounts, to improve access to long-term care services and coverage, to simplify the administration of health insurance, and for other purposes.
How WOULD you use this..I mean, do you write a letter to the CA explaining how your private info has been violated? i work with a company ( I work with the Elderly..) they REALLY stress the HIPPA. Yep..it IS worth a shot.
I am not sure how you would do this but I know there would almost have to be a way. I am glad they put HIPPA in place. I know its aggravating always signing all those forms but it use to be anyone could look into your private business. I use to hate when you went for a loan and then a few weeks later you would recieve all those flyers and credit apps in the mail asking you if you needed their service. A lot of this was cut down by HIPPA. SD what type of work do you do with seniors? I use to live next to an "old age home" and most were pretty decent to talk to and some actually very pleasant...Now of course you had the "others" but I never said a bad word because I had no idea what they had been through in life.
FIREYONE..I do 'Home Health Car'...go into their homes. Thsi way, they can STAY in thier homes, instead of going into a Nursing Home, or something like that. I take care of the Handicap, too. I have a 'regualr' client and I fill in for others, as well. My 'regualr' client has MS. She needs ALOT of help with things. She is such a sweetie! I love helping her out. I think you should be happy with what you do as employment. You could give me a ZILLION dollars an hour to work in a field that I'm not happy in...I would be miserable!!
That really sounds like a wonderful and fullfilling job. I am glad their are people like you out there. For over 10 years I lived next to an old age home and it was really sad to see the neglect. Not only from the staff but from their own family members. It is really sad around the holidays. My daughter use to go over and color and do other activities with them but when a new owner took over that stopped because the person considered hera liability. She was really heartbroken.
The way I would use the HIPPA is, see below for a short sample.
To Whom It May Concern,
I have recently reviewed my credit report and noticed you are reporting a derogatory collection item. After reviewing my records, I can find no contractual obligation between your company and me that makes you a person entitled to collect anything. Therefore, provide me a certified copy of an original contract, showing my signature, specifically naming your company as a person entitled to enforce a commercial claim against me.
Additionally, the Health Insurance Portability Act of 1996 (HIPAA) protects my privacy and medical information from third parties, such as yourself. I do not recall giving permission to (name of medical provider) for the release of my medical information to you. Therefore, in addition to providing me proof of contract (between you and I), you are also required to contact the medical provider associated with this account and request they provide me a certified copy of an original contract, showing my signature, specifically authorizing the release of my medical information to you.
Taffy if it is the hospitol that stills holds the account you will not need to send them the letter. Only send the letter to third party collectors trying to collect on the debt. It is like a form of validation so you should mke sure you send it return reciept requested. They then have 30 days to prove they own this account legally,which more than likely they won't. After that you may dispute the items on your credit report and have them removed.
If the debt is past SOL, you need not send any letter to the collection agency. Just wait for the seven year time period to expire, and the negative debt listing will be automatically removed from your credit report. However, if the Statute of Limitation on the debt has not expired, then as Fireyone said, you can send the letter by certified mail with return receipt as a proof.
I will send letters today and see what happens............Will keep in touch. I believe this is the best site I have come across during all my years of surfing the net (LOL). with all this Knowledge you guys should get together and make a plan to make the Credit Companies have better standards and guide lines and send it to the President....... who knows he seems to want input on our problems. And I believe he is one whom will listen to any and all suggestions...........YOU NEVER KNOW
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Are they into collection status???? If they are you can probably get it knocked done to about 60 to 70 percent.
they are in colection status already, there are different amounts, from different items. Like for the ambulance, for different doctors, from sergury, etc..
can you give some more details on what is going on with your bills?
Can you give more detail, we will try to help you if we can but need more information.
Hi Romm
If the debt has already been listed in your credit report, you should first send a debt validation letter by certified mail to the hospital or the collection agency whose name appears in your report against the debt. The creditor need to validate the debt within 30 day of receipt of your letter. Now once they validate the debt, you should contact them for a discount on the actual debt amount and ask for a repayment plan to pay back the debt.
Great idea mary, they may actually go for a payment plan or a good settlement offer depending on your situation and the age of the debt. Print off your report and see what is there now and approach them before they contact you and they will realize that you want to take care of it and may work with you more willingly.
Mostly the collection agency or the creditors agree to settle for 60% to 80% of the actual debt. Although unpaid medical bills do not adversely affect your credit score, because as per FICO algorithm the most important factor in determining your credit score is the credit utilization ratio, I would always prefer to get a pay for deletion agreement before paying off the medical bills.
that is the industry standard, so try and negotiatie the 60 to 70 percent of the debt, they will probably accept it.
Sad thing is even 60% of the debt is usually still way more than the original debt due at the time of default. Another reason I get so ticked off that they will sell a debt to a jun kie for way less than the debt. Yet they won't try to work with you so it doesn't hit your cr.
You guys thank you so very much for all of your advice, there are several little charges in my credit report ranging from 47 dollars from something really silly up to 15,000 for actual surgery. About the comment from Justin and FICO score, I would think this is affecting my score cause my credit is compleately shot, there is only one other item from a scured credit card from bank of america, original debt was 375 dollars, now it has ballooned up to 1500 dollars, it went upaid cause or my illness, so....I am compleately s...
Hope you can get evrything straightened out.
romm, you are very welcome, glad that5 you found some help here, how are things going now?
May I take this opportunity to welcome you to register on the site and stay with us for awhile.
Yes please let us know how things are going and if you have any further questions...that is what we are here for. People helping people.
great point there fireyone, there are people out there helping each other every day.
Thats what I like to see. Someone who has been throught he song and dance before can help lead you out of the crazy credit messes that are out there.
Medical collections are the easiest to deal with.
If you are trying to delete a collection agency from your credit report then I recommend using the hippa to your favor.
HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT (HIPPA), To amend the Internal Revenue Code of 1986 to improve portability and continuity of health insurance coverage in the group and individual markets, to combat waste, fraud, and abuse in health insurance and health care delivery, to promote the use of medical savings accounts, to improve access to long-term care services and coverage, to simplify the administration of health insurance, and for other purposes.
I deleted 8 medical collections from my credit using www.AttractiveCreditSecrets.com
That is a good idea, using HIPPA would be violating your privacy, worth a shot anyway.
medical
How WOULD you use this..I mean, do you write a letter to the CA explaining how your private info has been violated? i work with a company ( I work with the Elderly..) they REALLY stress the HIPPA. Yep..it IS worth a shot.
I am not sure how you would do this but I know there would almost have to be a way. I am glad they put HIPPA in place. I know its aggravating always signing all those forms but it use to be anyone could look into your private business. I use to hate when you went for a loan and then a few weeks later you would recieve all those flyers and credit apps in the mail asking you if you needed their service. A lot of this was cut down by HIPPA. SD what type of work do you do with seniors? I use to live next to an "old age home" and most were pretty decent to talk to and some actually very pleasant...Now of course you had the "others" but I never said a bad word because I had no idea what they had been through in life.
debt
FIREYONE..I do 'Home Health Car'...go into their homes. Thsi way, they can STAY in thier homes, instead of going into a Nursing Home, or something like that. I take care of the Handicap, too. I have a 'regualr' client and I fill in for others, as well. My 'regualr' client has MS. She needs ALOT of help with things. She is such a sweetie! I love helping her out. I think you should be happy with what you do as employment. You could give me a ZILLION dollars an hour to work in a field that I'm not happy in...I would be miserable!!
That really sounds like a wonderful and fullfilling job. I am glad their are people like you out there. For over 10 years I lived next to an old age home and it was really sad to see the neglect. Not only from the staff but from their own family members. It is really sad around the holidays. My daughter use to go over and color and do other activities with them but when a new owner took over that stopped because the person considered hera liability. She was really heartbroken.
The way I would use the HIPPA is, see below for a short sample.
To Whom It May Concern,
I have recently reviewed my credit report and noticed you are reporting a derogatory collection item. After reviewing my records, I can find no contractual obligation between your company and me that makes you a person entitled to collect anything. Therefore, provide me a certified copy of an original contract, showing my signature, specifically naming your company as a person entitled to enforce a commercial claim against me.
Additionally, the Health Insurance Portability Act of 1996 (HIPAA) protects my privacy and medical information from third parties, such as yourself. I do not recall giving permission to (name of medical provider) for the release of my medical information to you. Therefore, in addition to providing me proof of contract (between you and I), you are also required to contact the medical provider associated with this account and request they provide me a certified copy of an original contract, showing my signature, specifically authorizing the release of my medical information to you.
NOTE: this is a sample that belongs to another two paragraphs. I got the whole thing from www.AttractiveCreditSecrets.com
Should this letter also be sent to Hospital bills that are on my CR that are SOL?
Working to be Debt Free
Taffy
Taffy if it is the hospitol that stills holds the account you will not need to send them the letter. Only send the letter to third party collectors trying to collect on the debt. It is like a form of validation so you should mke sure you send it return reciept requested. They then have 30 days to prove they own this account legally,which more than likely they won't. After that you may dispute the items on your credit report and have them removed.
If the debt is past SOL, you need not send any letter to the collection agency. Just wait for the seven year time period to expire, and the negative debt listing will be automatically removed from your credit report. However, if the Statute of Limitation on the debt has not expired, then as Fireyone said, you can send the letter by certified mail with return receipt as a proof.
thanks to all
I will send letters today and see what happens............Will keep in touch. I believe this is the best site I have come across during all my years of surfing the net (LOL). with all this Knowledge you guys should get together and make a plan to make the Credit Companies have better standards and guide lines and send it to the President....... who knows he seems to want input on our problems. And I believe he is one whom will listen to any and all suggestions...........YOU NEVER KNOW
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is it possible the your age when it is already happened to get stronger?
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One diet plan? stomach one tinge of color? brown. your food intake ought to predominately make organic green.
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I cannot prepare low fat peptids and consequently vegetables and fruits every day of the month. my spouse and i this particular language fried potatoes, an effective way spaghetti, an effective way things you eat there is not a potato that i would not love.
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