If I'm using the nutcase letter to remove a CA TL for medical services, does it make sense to leave in the part about "and was not claimed as a loss with any insuring entity during the period it may have been payable"? Is this part only for debts that were incurred for the exchange of goods? And what is a "contractual obligation sans consumer encumbrance?"
"and was not claimed as a loss with any insuring entity during the period it may have been payable"? That is pretty irrelevant. First, a medical provider probably does not have insurance coverage for non-payment by customers, and if they did it would not affect the liability of the customer for the debt. It might only mean that if the customer paid, the insurer might have to be reimbursed if the contract called for it. The same argument goes for charging off to profit or loss, and deducting for tax purposes. Does not erase the customer's obligation. You would be wise to pick apart any generic letter you find on the net, to make sure what you send applies to your particular circumstances, and accomplishes your goal. Usually, the key issue for medical services is to make sure they properly submitted a claim to your own insurance company, and that the claim was properly paid. That includes properly handling "insurance adjustments" as required by their contract with your insurer if they are "in-network".
I'll take my chances with the nutcase letter (as opposed to dealing with the OC billing department), as it seems to be a slightly easier approach. I'm gonna cut and paste a bit and I'll post again to see what you think. I am prepared for you to say "I told ya so," if the nutcase letter doesn't work. In that case, I'll just do it like you suggest.
Proceed strongest case first. If that is with the OC, who can tell the CA to delete, then why deal with the CA? If not, you have to try whatever path you think might work. Knowing the details of your various credit problems, and being able to make any available arguments, if say, the OC screwed up their billing, you should be able to do yourself better than any credit repair organization, who would probably just depend on blanket disputes and random luck.
Point taken. I guess I will start by getting a detailed billing statement from the OC showing the exact amounts and dates of claims made to the insurance company. I'll have to find a contact other than the lady in billing I've spoken to 38 times, who can't tell her ass from a hole in the ground when it comes to past-due bills.
