Medical Collection Validation

Exactly the same. A computer printout is not valid proof.

 

As long as everything you sent was done via certified mail and you have proof of mailing as well as copies of everything you sent, then go ahead and threaten 'em.

 

Sounds like you pretty much got it covered. Go for it. Good luck.

 

Dear Cash1,

I was just reviewing an important FTC Staff opinion for someone else but it certainly applies to your case also.

Be sure to take the Wollman opinion with you. In triplicate. So you can shove one in everybodies face.

It's at: http://www.ftc.gov/os/statutes/fdcpa/letters/wollman.htm


Here's a clip;

"Dear Mr. Wollman:

This is in response to your letter of February 9, 1993 to David Medine regarding the type of verification required by Section 809(b) of the Fair Debt Collection Practices Act. You ask whether a collection agency for a medical provider will fulfill the requirements of that Section if it produces "an itemized statement of services rendered to a patient on its own computer from information provided by the medical institution . . .â? in response to a request for verification of the debt. ... Because one of the principal purposes of this Section is to help consumers who have been misidentified by the debt collector or who dispute the amount of the debt, it is important that the verification of the identity of the consumer and the amount of the debt be obtained directly from the creditor. Mere itemization of what the debt collector already has does not accomplish this purpose..."

A copy of the original contract or agreement containing your signature is required.

Go get em,

 

cash1, Do you have the website for Proselitigant? I have heard people talking about it, but I can't find it. I would appreciate it. Charlie

 

Proselitigant.net

 

Thanks Butch

 

Butch, I must of had a brainfart. I forgot about whyspers site. Sorry whyspers. Thanks Charlie

 

Well, I had disputed an unpaid medical collection for a bill for a doctor who must have been part of a team of docs that treated me in the hospital. I had disputed with the CRAs in Dec. They deleted from no reponse from CA. All of a sudden, they show back up on CRs. Today, I call the CA and tell them very calmly that I need the name of their POC in the legal dept. to whom I should send service of lawsuit. (This is a local CA in my city). Once the guy got on the phone I told him that I had disputed once, they were not able to validate, and now because of recent reinsertion, I was attaching them to a lawsuit against the CRA for inaccurate reporting. From his reaction, I hope he was wearing a Depends. He apologized and starting talking about how they were bought by another company and somehow their response to the CRAs request for validation must not have been accepted by the CRA because of lack of legal signatures, blah, blah, blah. He put me on hold, and came back and started spouting off what info he had. Dates that I was in the hospital, name of my insurance company and name of my hubby who was the holder of the insurance. I told him that was not validation. He said he would have to talk to a supervisor because they were not allowed to delete for ANY reason. I said well, that is up to you if you want to pay thousands in legal fees over a $50 entry on a credit report. I told him I have no problem going to court and forcing them to account for every service and every Tylenol that allegedly makes up the cost they are trying to collect. He said he could lose his job over it, but he was going to make the decision himself to sent out a UDF. I also told him to send me what he had on me in his file. Get this..... 2 pieces of paper. Computer printouts of when my insurance company made payments to the hospital. That is it. On the line where the patient signs to give authorizatin for insurance billing, etc, there is NO signature. No itemization whatsoever of any services provided, my SSN was not on there, and my name was misspelled. I told him that this didn't prove anything and if I didn't get that UDF within 15 minutes, I was going to attach them to my suit. ( Which I would have fully followed through with) I tell you, anybody can collect for anything and they don't even have proof of a valid debt!!

 

So what was the outcome of your actions? Did they delete? Or did you sue?

 

Re: Med Coll. Validation - I Filed

So what was the final result?

 

Re: Med Coll. Validation - I Filed

How do you like that Z car? I was thinking on getting one next time I'm in the market for a vehicle...

PAE