1*Unforunately, I've already sent DV letters to all the CA's, so I'm in a wait- and- see -mode at this point. 2* 2*But I'll certainly send out those settlement letters as soon as the 30 days are up. Namaskar ------------------------------- 1*What's Unfortunate about it when that is exactly what you needed to do? 2*Why send them and screw up the validation process and tear up your paper trail?
Geez, great letter, but is it appropriate in my case? The debt doesn't appear on my credit report, so why would I be asking them to remove it? Please explain and thanks namaskar --------------------------- You need to validate with the CA in an attempt to prevent them reporting it later. THE END ** *** ** LB 59
Where the heck's the delete button? namaskar )( () )( ============================= That's what I'd like to know. Don't think there is one. Never been able to remove a duplicate post of mine!
1*Did you validate with the CA before attempting settlement? 2*Do any of these debts appear on your CR, and if so, are you getting the CA's to delete them? namaskar ================= 1*You never want to settle on a non validated debt. 2*NO Delete - no pay. THE END ** *** ** LB 59
I took Cinderella's advice by calling the CA about the unreported debts. This seemed to make sense since all I wanted was a letter from them assuring me they would'nt report the debts to the CRA's and then I'd would pay them. But the gentleman I spoke with told me two of them have been reported to all three CRA's, though none are showing up as of yesterday. Is it too late to send a HIPPA letter to the HC provider since I've already called the CA?
If you want some detailed info. on Hippa, I would check out WhyChat's site. I think Whychat is pretty much the "Hippa Guru." http://www.cardreport.com/index.html
a former debt collection supervisor in Tacoma, Wash. "We rely on the ignorance of the debtor." You'll also want to keep a paper trail. File all collection letters and keep detailed notes of collection calls.
Yes, I know they rely on the ignorance of the debtor, which is why I might have screwed up today. Here's the lowdown on my conversation with the CA: The first thing the guy did was give me the "this is an attempt to collect a debt" routine. I told him I was willing to pay my debts if they would send me a "will not report" letter. He said the debts had already been reported to the CRA's since they were over 90 days. At that point I learned about two other debts, very small ones, that were recently assigned and not reported. Then he asked me if I wanted to take care of them today and I told him I was'nt prepared to do that. Then he got a little cocky with me and asked me if I needed to validate the debts. I replied with a "no comment" and thanked him and ended the call. As you can see I'm just learning the ropes here and think it would be better not to deal with CA. The question is, did I say anything that would penalize me in going the HIPPA route? I looked at that Wycat site and could'nt find anything on it, but I do have copy of the letter. Please advise.
I found instructions for the HIPPA letter that read the following: 4- DO NOT under any circumstances, write or correspond with the CA regarding this matter, any correspondence or communication that YOU instigate will be deemed to be a waiver of your privacy rights under HIPAA,and will impede any cause of action you might have.
