HIPPA process - CA adding fees

[sporke13]

I have a medical bill for my son. I got a letter from the CA and immediatley called and paid the OC the amount that i opwed 190. I just pulled my Credit reports and therre is account in collection the total amount = 190,( i already paid that) then it says i still owe 49. I was never told by the CA about the 49 i would have paid it.

Will the HIPPA provess work since i still owe a fee to the CA but not to the OC. They never billed me for the 49 and the info on my credit report is wrong the total was not 190 if it was i paid the 190.

Can i send the canceled check of 190 to the CRAs and get this deleted? WIll HIPPA work in this case??? this is the only bad thing on my report and it is killing my score.

[30daylate]

The collection agencies job is to collect the debt for the original creditor. If the debt went to collection through a error or miscommunication, you should not owe any money once you have paid the debt off. I would dispute this charge with the credit bureau and also contact the original creditor. If you have any other information that would be helpful. Also this isn't something that is covered under HIPPA. HIPPA is what protects your medical privacy. Your credit rights are covered by FCRA (Fair Credit Reporting Act).

[sporke13]

Hippa proces is a way to remove mdical debt from your credit report. My question was can i get a item on my credit report for an amount i never knew about never was even given the chance to pay. I never recieved a bill for the collection fees or i would have paid it. This is also incorrect on my credit report says to amount was 190 and i owe 49. I already paid the 190.

[Lian]

The debt does not freeze in amount at the time it is referred for collection.

Any interest still accruing on the unpaid debt that is permissible within the limits of your state civil code legitimately add to the debt.

If the OC accepted the debt as paid in full, and did not require payment of the additional accrued interest, in my opinion, that would include the entire debt.

The debt collector would not be entitled to interest accrued on a debt that they did not own. The interest attaches to the debt. The OC could only have accepted payment if they still owned the debt. So, in summary, the debt collector should have ceased collection activity, and reported a $0 balance collectible on the debt.

The only exception I would forsee is if the debt collector is asserting the additional amount to be fees associated with their collection, and not interest on the debt itself. Some states permit debt collectors to assess fees to the consumer, and others do not. I suggest you research your state civil code, and find out what a debt collector is permitted to assert as separate fees entitled to them.

Once you determine exactly what the additional amount is for, and have basis for asserting that this is not legitimate, then you can file a dispute with the debt collector. Just writing the CRA at this point wont work. You must present a documented case.