Home> Credit Library

UNPAID MEDICAL BILLS AND YOUR PRIVACY-HIPAA AMENDMENTS
Medical collections may become more difficult for collection agencies to collect and useful for debtors in clearing up their credit records.

The Privacy Rule requires a "business associate" (collection agency or billing firm) to reasonably limit the amount of information disclosed for such purposes to the minimum necessary as well as to abide by reasonable requests for confidential communications.

This could be a loophole for debtors against collection agencies because collection employees often know less about their industry restrictions than does the debtor. This could lead to violations and eventually case law to support such violations. If collection agency employees are not careful, they could lose out on collecting medical debts by inadvertently knowing too much about the debtors medical condition. This will no doubt lead to many consumers seeking that the debts be pulled back by the medical provider to avoid potential suits against the provider.

Debtors who know how to protect themselves will use this provision to threaten collectors and gain the upper hand in settling the debt without it hitting their credit reports. Basically, debtors who discover that the collector knows their diagnosis and treatment will threaten the agency that their privacy has been violated. The agency, wanting to avoid unnecessary suits will most likely agree to remove the negative entry on the consumers credit report by agreeing to settle with such terms. The debtor will gain a clearer credit report by having the item removed rather than listed as "paid collection".

The remainder of this article plus many more credit repair and debt collection defense articles along with the credit repair debt collection success strategies ebook, sample letters (over 40!) are for Members only but it's only a one time fee of $39.95 to gain access to all of that! Membership is lifetime too! Purchase the credit and collections success strategies and receive access to all of our articles, tips and tools. Already a member? Log in.

"I cannot believe the amount of information I received for a one time fee. I was searching all over the Internet and thank goodness I found you before I paid anyone else! I am so glad I found your site and you are angels to offer all that you do. Thanks again and again!" Debbie R.

It never occurred to me until I read your articles that you could sue the collection agency and/or attorney for FDCPA violations. The small investment of $39.95 was the best deal I've encountered in my life. Not only have I erased almost $50,000.00 in credit card debt, I made money to boot. The only thing stopping anyone from repairing their own credit by civil suit is fear of the unknown." Mark via email.

"I don't ever want to lose this website. It is the most wonderful, helpful site for us debtors. Thank you so much. I must say your site is the GREATEST, DON'T EVER GO AWAY. You have helped so many people by informing us as to how to defend ourselves. A lot of the information you give, I never knew. I have had to use it to help myself and my niece. We had to go to court and won thanks to your website. Tell Kristi and her staff to keep it up, there are more people out there that don't know." Caroline H.

"I can testify how well settling your own debts are. By far the most effective and in expensive way to handle your own debts. I have been working with these same debt settlement methods for almost four years, I was "drowning in debt" after suffering with, and ultimately losing my wife to a terminal illness. The 3 1/2 year medical costs, treatments, and final bills were enormous. However not wanting to file bankruptcy, I was able to negotiate virtually every debt and am now seeing the end results: Complete and final end of indebtedness with a CLEAR conscience!! I can never thank Carreon and Associates enough for all of the assistance you have provided to me. Your advice and encouragement assisted me beyond measurement!! Thank you ever so much, and GOD Bless You All." Dusty P.

" Thank you! Your site has proved most helpful over the past few years - I don't know what I would have done without the knowledge I've gained from you." Susan M. via email.

"I am not done, but just wanted to let yall know of success I have had with this ebook. I have gotten rid of over $5000.00 in debt and have raised my credit score by 120+ points. This is definitely the best $30 I have ever spent!!!" Cory via Member forum.

See more testimonials