My question involves collection proceedings in the State of: Oh
I have a $2k medical bill from 2013 that has been placed in collections with [I believe] the 3rd collections agency. The last one was dropped from my CR in January [apparently due to the fact it longer had a relationship with the hospital]. Several weeks later I received a letter from another CA / junk debt buyer [CBCS] seeking payment. I would let this slide but I'm trying to buy a house this year.
I'm getting conflicting information on how I should handle this. I'm in the process of sending a DV notice to them and then follow up with the HIPAA letter program.
Is it true that when the initial CA sells the defaulted loan to another CA it imposes a DIFFERENT set of rules and a DIFFERENT and more stringent set of penalties for reporting a medical account without the actual assignment of the HIPAA releases to them? Those releases are ONLY available to the initial CA that was assigned the account directly by the OC. Any subsequent sale or transfer of the ACCOUNT data does NOT and CAN NOT include the HIPAA release.
I understand that the CA must have a business relationship with any agency attempting to collect on this debt. Can these 3rd party CAs have such a relationship? I don't recall signing a Patient Financial Agreement giving the hospital consent to communicate with the debt collector regarding your account if that becomes necessary. Is this standard operating procedure? If so, I guess I'm out of luck with HIPAA. What about any FCRA and FDCPA violations? Could that be an avenue I could explore to seek a mutual walkaway agreement?
I have a $2k medical bill from 2013 that has been placed in collections with [I believe] the 3rd collections agency. The last one was dropped from my CR in January [apparently due to the fact it longer had a relationship with the hospital]. Several weeks later I received a letter from another CA / junk debt buyer [CBCS] seeking payment. I would let this slide but I'm trying to buy a house this year.
I'm getting conflicting information on how I should handle this. I'm in the process of sending a DV notice to them and then follow up with the HIPAA letter program.
Is it true that when the initial CA sells the defaulted loan to another CA it imposes a DIFFERENT set of rules and a DIFFERENT and more stringent set of penalties for reporting a medical account without the actual assignment of the HIPAA releases to them? Those releases are ONLY available to the initial CA that was assigned the account directly by the OC. Any subsequent sale or transfer of the ACCOUNT data does NOT and CAN NOT include the HIPAA release.
I understand that the CA must have a business relationship with any agency attempting to collect on this debt. Can these 3rd party CAs have such a relationship? I don't recall signing a Patient Financial Agreement giving the hospital consent to communicate with the debt collector regarding your account if that becomes necessary. Is this standard operating procedure? If so, I guess I'm out of luck with HIPAA. What about any FCRA and FDCPA violations? Could that be an avenue I could explore to seek a mutual walkaway agreement?
Medical Bill Sold to Second / 3rd Collection Agency
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