Whychat judgement letter

See where that attorney is, also. Perhaps he is retired or deceased or living in Venezuela or something. I think everyone here is jumping the gun a bit. It sounds like you have not pulled all three of your credit reports, otherwise you would have known if there was a judgment or not because it would be on your reports. I'd suggest pulling your reports first and seeing where you stand. It may be wise in your case since you have a possible judgment to use your parents or a relatives address when you apply to get your reports, and then change the address on your drivers license to match.

The reason behind this is judgments do not usually report social security numbers when they verify to the credit bureaus for privacy purposes. If you have the address you were sued at removed from the credit bureaus it makes it harder for the credit bureau to verify.

And you don't want to give the credit bureaus the address you were sued at to begin with when you pull your reports, because it could make it harder to remove the offending address listed on your credit reports later. If you manage to get the judgment off your credit reports or else there isn't one there, don't go waking up this attorney.

Let him sleep until you get your house, then go tie up loose ends. After reading your first post, it almost sounds like the deal was the attorney showed up expecting to get a default judgment and didnt have the paperwork proving the debt was your husbads and then the attorney folded. The typical Sears MO seems to be that they assign the debt to various CA's including atty's for a year or two.

After that they sell it to RMA. Of course, this may vary depending on the size of the debt, phase of moon on charge-off, I have pulled all three Cr none of them are showing a judgement, it never went before a judge, so no papers were signed the balance showing for sears is it was a credit card he could use at any of the sears stores, the amount the atty wants is almost court fees, but there was no court!

The only thing showing on his credit reports for sears is sears charge off in the amount of , there is no other collection agencies or this atty showing for this acct, that is my question is if i agree to settle with sears is it going to waken the atty to out the judgement on my husband's cr? Re: Re: Sears filing judgement? Why Chat, I am in Texas do I need to go to the courts even though they never went before the judge, I am sorry for my stupidity, but I have never been faced with judgements before.

Okay I am holding the two sets of papers in my hands and they say One is dated Feb 27, and the other is dated Feb5, no further communications since then, again my husband did not sign so, and the cr do not show as judgement, could we have if we settle?

Thanks so much for all of your help! From what you say you do not have a judgement. Beyond that listen to the advice Whychat gives. Re: Re: Re: Sears filing judgement? You must log in or sign up to reply here. Show Ignored Content. Share This Page Tweet. Thank you again. Dennis thank you for the comment, the steps are outlined in the article. The first step in attempting to remove medical debt collections is contacting the debt collection agency first.

Jaime, check the dates and statue of limitations on reporting for the state in which you reside. If the debts are close to meeting the statutes for reporting cut offs with your state, I would likely just say don't stress it and wait for that time to be up. If you decide to negotiate with the debt collection agencies make sure to do everything via certified mail, and be sure your negotiating a pay for deletion.

You need an agreement in writing that they agree to delete the debt once you have paid it off. Also keep in mind that you have wiggle room as far as the balance owed since the debt collectors purchased your medical debt for pennies on the dollar so they will likely settle the debt for less than the full balance. Also be aware that if you set up a payment plan that once they start reporting those payments, it can negatively impact your credit score. Since the debt will then look as an active collection debt and start reporting as current and despite you paying it does have the potential to impact your score negatively.

Now with that being said, if you successfully can negotiate in writing, nothing via phone a pay for deletion agreement, once paid they should delete the record of the debt off your report. It is important to have any such agreement in writing on the off chance they would not delete it once paid, you can show your payments, and your agreements in a dispute with the credit bureaus.

Hi Cynthia, Thank you for the quick response. The Debt collection raising the amount is not showing up as a new charge, but just going up on the existing charge. The two credit bureaus did not send me anything yet, but I called them yesterday and they said they are not removing the charge. At this point would you call the Collection agency to negotiate the balance and paying it? I know contacting them is a very last resort.

I love Credit Karma! It has helped me build my credit and stay aware and on top of any changes over the years! Jaime so excited that Experian removed it for you. As far as the other bureaus that is a hard question to answer not knowing if they replied to your request with a denial of removal or not. If they closed the removal request and sent you something stating they indeed were able to validate that you owe the debt then you can attempt to dispute it again if you feel your supporting documentation is enough that it should indeed be removed.

As far as the debt collection agency raising the balance owed I have personally never ran into that, is it showing as a new debt on your credit report each time, or just the balance itself changing? I do find that I have a lot of luck disputing via Credit Karma and they seem to remove the medical debts on my credit report in a shorter time frame as well, downside is you can only initiate a single dispute through them at one time.

You may try using them for the remaining two credit bureaus to see if you have luck getting them removed via Credit Karma it is free to sign up. Hi Cynthia: Thank you for this article.

After the collection agency sent me a copy of my bill which states it was for Aenesthia I sent the certified letter and supporting documents to the 3 credit bureaus. I was able to get the charge removed from Experian, but Trans and Equifax did not remove it. Any suggestions on my next step? Anna, if you paid a collection without negotiating a pay for deletion there is nothing really you can do to get that taken of your report. You can try to contact the debt collection firm and inquire as to if they would be willing to remove it since it was paid, but they are not obligated to do so.

Alternatively you can attempt to see if any of the reporting agencies will remove it since the debt has been paid, again they are not obligated to do so since by paying the debt your admitting that it is in fact a legitimate debt that you owe.

I hope that helps, wish there was an easy fix for that! Great information here! I'm wondering if there is a way to get that removed. Any advice helps! I'm new to the credit world. Rob, I did miss your origional question some time ago and I am sorry for that. There are many ways to deal with anything related to medical debt. You can do any of the methods you requested. But if you choose to may the origional facility hospital, or clinic then you still pay the full amount in most cases, even when discussing a payment plan.

Negotiating a pay for deletion with a Credit Collection Agency is usually a way to pay much less than what you actually owe. These agencies pay pennies on the dollar for your medical debt, and are often very easy to negotiate with. The problem is if people contact the OC origional creditor and pay through them that debt collection or charge off that was purchased by a collection agency may still linger on your report.

Paying off a charge off or closed account does not always lower your credit score. That is why it is so important to always negotiate a pay for deletion, when you can pay the full amount at one time. It is paying these charge off collections in payments that often can lower your credit score. As you start paying them, they they start reporting payments again in a lot of cases. While we all know it is a good thing to pay our debts, for some reason paying installments on charge off accounts can negatively impact your credit score.

I do wonder how your letters have went. I often find just sending the letters in with signature confirmation is enough that the debts are deleted, and I rarely need to do any futher follow up. Again sorry for the delay in responses, family health issues have been keeping me from checking in as often as I like.

If you have filed a dispute Kayle you should get a response showing not just that it is resolved, but in who's favor as well. Did it come bac that the credit bureaus decided that you do in fact owe the debt, or that they are resolving to remove it? If it is the latter, simply remind the credit bureaus that this dispute was resolved and ask them to remove the debt accordingly. If they sided with the collector in this case, you will need to attempt steps to validate the debt and get it removed if at all possible.

Jane, you should see a basic example in the article. These letter do not need to quote anything and simple really is best here. Just make sure your including the needed information within your letters to limit any back and forth with the debt collection agency that is not needed. Melissa C. Your request for such information would not be a legal way for them to get out of having your signature on a form.

Laura, that sounds more like the law firm working in tandom with the origional clinic, instead of as it's own agency to collect the debt. That is a tricky situation, your not likely going to get anywhere if that is the case, sine the clinic can legally provide you details. I do find it odd that they are using a law firm and telling you that you need to respond in 30 days.

Medical debt is normally not something that they pursue legal action against. If i write my own do i need to add the law statues in them? I was so excited to find this article and I sent my initial letter to FBCS the collection agency requesting exactly what you said. They sent me a letter back stating that this account will be on hold awaiting my response, along with a very detailed summary of the medical bill- with the coding AND the description of services.

I work for a managed care organization and asked my Compliance Officer about all this. She said that since I requested an original bill or detailed statement, I basically gave them permission to access that information.

I am not sure what to do now because of getting mixed information and finding various opinions on this on the web. I need a little help. A clinic sold the debt to a collection agency and I received letter from an attorney rerepresenting the collection agency gaving me 30 days to respond asking if I would like an itimized statement from the clinic that sold the debt.

Who do I send a letter to? I wanted to know am I able to ask for debt validation when I filled a dispute and it said resolved; reported by grantor. And I also wanted to know if my dispute was resolved; reported by grantor and it stills says open, do I have to call them to close it?

And I also wanted to add does my paratech ambulance bill fall under the hipaa law as well and I can fill the dispute like any other medical bill? I asked because my dispute wasnt resloved for that bill and it said it was because it meets FCRA requirements.

Carillo Susan you are full of it. No one can do that so quit plugging a credit repair agency that is irrelevant and not above the law. This goes for you too Kevin Harper you hacks are full of shit. I'm reporting this person you two say is a credit repair person to the Federal Trade Commission and the State Attorney General's office for enforcement. The author is not responding to the important questions we bring up in the forum even with several days and sometimes weeks passing.

The problem is people are seeking advice they need to act NOW with not days and weeks later. My advice is if you are gong to write articles for profit then you should also put equal time to being responsive to the feedback and questions your getting. I mean this NOT in a mean way but in a way that should be taken as constructive which in turn help you to be more reputable and profitable. Now I'll get a stern response :. Thank you for sharing this information.

I am in a similar situation where I need an original bill and I am going to write a letter to the collection bureau. I have no idea where to begin or what exactly to say in the letter. I really want to be polite. I was wondering if you can please lead me in the right direction to write this letter. Thank you in advance. Can we please see your feedback on the questions posted by your readers over the past few weeks?

A lot of these posts seem to be closely related to one another so perhaps one post from you just hitting some of the points being asked about would be awesome. I posted a question about 8 days ago and was curious to hear your thoughts, or anyone else for that matter. After reading your article I have been faxing letters to a handful of medical creditors locking down their ability to release any PHI what so ever about me then a few days later I'm sending letters to the Collection Agencies that they all have contracted with demanding validation.

Once they receive this letter it is my hope they will delete the entries when they discover their clients are too paranoid to release my PHI after getting my strongly worded letter. IF all this fails with a CA then and only then will I offer a "pay for delete" proposal with a reasoning of "I just want it to go away even thought it's not valid".

Never pay a collection that has been charged off as it lowers your credit score. Rob, by no one is responding I assume you mean the medical debt collectors are not responding to your letter? If so that is all covered in the article. You should have included in your letter 'Please respond and validate the debt withing X amount of days'. If you have had no reponse to your inquiries you send the copy of your letter, and the confirmation of delivery of that letter to the Credit bureaus.

Explaining that you attempted to validate the debt because you did not recognize it and no one will respond to your validation letter. Then politley ask that they please remove the debt from your report as you have no records of it, and the debt collection agency will not respond to you requarding the debt. I did state that they should send the agreement that bears the signature of I, the claimed debtor Alexandra Hewardt wherein I agreed to pay the creditor.

They sent me a copy of a physician statement instead. Does state. I did write "Your claim will not be considered if any portion of the above is not completed and returned with copies of all requested documents. Also, I am wondering, if I sent this to the credit bureau, legally, would they accept the agency's validation or my request which was not validated?

It is also stating my then insurance company which I no longer carry. Anything there? So I have a medical bill that began collections 2. They have filed a suit against me in my state of New Mexico. In the suit they provided letter of validation from the hospital's business office director that the account is "true and correct".

They also provide a receipt of medical costs with the procedure s blocked off. I have disputed the with all 3 credit bureaus. Experian and Equifax removed it on the status of, "this account does not belong to me", I listed my reason that my lawyer has taken over my medicals bills and he is the one to be contacted.

Yes, I am currently in a lawsuit over the accident which required the hospital visit. If I mail the debt collector requesting them to provide validation and charge information, would this be enough to prove that they are right?

What would be my next step? Cynthia, very good article. I was never aware of this tactic or I would have done it a long time ago. I know it's been a year but I have a question and I hope someone can answer it. It's been quite a long time for some of these so I wonder if I should give the medical provider a letter not to release any information.

Can you please tell me the next step I should do for I am looking to purchase a home soon. Thank you Cynthia. They didn't even provide a bill. The letter they sent just referenced the rule. Since it has been over 30 days since I. Please do not quote me that you are unable to do this. I am aware of both your rights as well as my own.

We both know you are the source reporting this account and have the absolute right to report it, not to report it, or delete it from all reporting agencies. The purpose of this settlement is merely to have this item removed from all reporting agencies. We are both aware that paying this unverifiable debt is no benefit to me unless we can agree on terms. I am sure you are aware that paying a collection account does not bode well on a credit report and that merely having a collection on a credit report will have a negative impact whether paid or unpaid.

Please note: This is not an acknowledgment of liability for this debt in any way of form. This is a restricted offer only. If you decline this offer please be aware another offer will not be made, as you may wait refer to H. Jesslyn B, I would suggest asking the hospital or doctors office for something stating that they cannot find the original bill, this will make it much easier to get the debt removed.

With that you should then be able to send a copy to the debt collection agency and tell them that it is not a valid medical debt. Then you can also submit that to the credit bureaus as well. Diva, technically by offering a pay for deletion and sending that letter the debt collection agency can indeed argue that you have admitted to owing the debt.

The collection agency will likely argue that if the debt was not yours then you would not have offered pay for deletion. Debt Validation letters should always be sent first, then followed by a pay for deletion request should they provide sufficient validation of the debt without breaking any Acts or laws that govern how debt collections can be handled.

Actually that rule generally means they can provide 'the minimum amount of information' required to validate the medical debt is in fact yours. You can try a rebuttal letter stating that if they cannot provide information to validate the debt then you will be submitting to the credit bureaus for removal.

Identity theft happens, and they need to be able to provide you with even minimal information to validate the debt is indeed yours. Hello, I went through the process of sending a debt validation to the collection company for a medical bill.

Is anyone familiar this rule as it pertains to medical collections. I read over it and am a little confuse as to how it relates to collection agencies. Thank you s much for this awesome info. After going to my hospital where the alleged charge was made, I was told the original bill could not be found and to dispute the charge with the collection agency again. I was livid and confused. I had no clue of the direction I should go since I had already sent a dispute letter. However your wording, use of legal documents and reminding us that being nice does get you places, will make my new letter so much better.

Thank you thank you. This is a response to your last comment of my post. Was unable to make a comment underneath for some reason. I requested a validation and offered a lump sum to delete the debt from all bureaus. There is no admittance in owing the debt in the letter anywhere, found the template online. It was recommended. So, I'm hoping they must provide me with the signature otherwise they have to take it off, no?

Diva67, the information they sent you is not anything that would validate the debt. Since all of the information they sent you is exactly what you can find on your credit report they have not validated the debt in anyway.

You are within your rights to request a copy of your signature agreeing to the services. However, it sounds as if you sent a pay for deletion request if I understand you correctly. Any debt collection agency medical or otherwise will almost always deny your first request at a pay for deletion request.

If they cannot provide you with verification of your signature for the services you are being charged for you may have grounds to get the debts removed.

All you can do is try to submit it to the credit bureaus once you get a response regarding your signature requests. It is always best to send a debt validation request before attempting any form of pay for deletion agreement.

Have another question on this subject. I sent validation letters to the collection agencies asking for validation of the medical debt. What I received in return is a denial of the offer They rejected it. This was a template I used. They sent me copies which had the following information:. Nothing about services performed, what doc etc. Really strange records. Some days ago I sent another letter asking for proof of my signature of these services which I did not receive in the first letter.

From your experience, if I m asking for a copy of my signature for these services and they fail to deliver, will they have to take this off the reports? Even if they send the above information in the first round? Just want a general response after describing my current situation. I want more proof of these claims, hence a copy of my signature request. Please let me know,. I followed the instructions provided and in verifying the debt, they provided me with an itemized bill that included procedures completed.

After receiving this, I have requested that they send me a copy of the signed release of information which states that I gave permission to have my medical information shared. In response to this request, they just send over the same bill again and didn't address my request. I requested it again and same response. What should I do next? Also, the amount that they say I owe is different from the amount on my bill.

I looked at the letter again. In short, It states that they are in receipt of my request for verification Enclosed is an itemized statement regarding account.

So would that be validatio and if so is it a violation? Excellent questions and thank you for your comment. You can easily take a look what is covered under the regulations to gain a better understanding of if your rights were violated. Simply giving you a date of service alone is not validating the debt, nor is it violating your rights under the HIPAA act. I hope this helps you on your quest getting medical debt collections removed. Starting a Business. Business Names. Any help on a follow up or second step IF this comes back verified would be appreciated.

Thanks CB members! You are the best. I only have BK 's to contend with.. You may just end up like I did with my BK 's..

I finally just let them lie til they fall off This is the next step i used in the process per Why Chat. You might want to have this thread moved to the medical forum were Why Chat can help you better.

He follows along and points you in the right direction. I think what is supposed to happen, is if they verify, you send them a procedural request asking for the name and contact information of the person they verified with. Meanwhile, you contact the court and try to get a letter from them stating they don't report to or verify with any CRAs. The CRAs will send you a form letter saying they have people that go to courthouses and what not which isn't true, they probably got data fed in from something like LexisNexis.

Then you slap them upside their head with your court letter and the fact that they just violated the FCRA by lying to you about their method of verification. You might try an "obsolete" letter. If this is due to fall off in August, they may just go ahead and delete it.

I have seen good results with this. It's not. The school loans fall off in August. But I'd like to get it off. Thank you. I'll call the court and see if I can go ahead and get the letter. That way I'll be ready IF it comes back verified. IF you get this info from the court, please also respond with the info you got from them. I want to try the same thing. You know I will! My thinking on this, is that some Courts will ignore letters from consumers.

If it is done correctly, they will deny any violations and tell you the consumer that they do NOT report any information to the CRA 's.

I've now had several instances of 2 separate judgements removed. However, some of the CRAs just hold onto them like death.