Medical debts are the number one cause of bankruptcy and financial hardship in America.
BUT…what if I told you there’s a secret to removing medical debts from credit reports?
You see, medical collections are a HUGE problem for anyone trying to repair credit. 🚑🚑🚑
We've all received unexpected bills from a hospital or a clinic and wondered why insurance didn't cover it, right?
And sometimes these bills can be HUGE, and most normal people like you and me have a hard time paying them.
Unfortunately, this isn't a debt that just goes away if you don't pay it...
No, medical providers will SELL THE DEBT to collection agencies. And they’ll do it for pennies on the dollar. Then the collectors add interest, and they harass you for the full payment and often double or even triple report the same account to the credit bureaus! 😤😤😤
It's a TERRIBLE system, and it hurts a lot of people…
BUT as a #CreditHero, there are secret ways to fight back…AND WIN!!!
And today, I'm going to share exactly how to do it…
According to the Department of Health and Human Services, if debt to a medical facility goes unpaid, they have the right to take measures to collect the debt, including…selling your personal information to a debt collector!
BUT, here’s the good news
The information that can be provided to the debt collector is very, very limited. They can only share your:
That's it!
They absolutely CANNOT share the nature of your treatment or the details of procedures with your debt collector. This includes:
Now, how does this help you remove medical debt from credit reports?
If a collection agency provides you with ANY of these private details, they are in direct violation of HIPAA regulations, and they face SEVERE fines.
See, the main purpose of HIPAA is to prevent ANYONE from abusing our personal health information. And HIPAA regulations affect collection agencies if they’re dealing with medical debt.
In fact, collection agencies must sign a HIPAA Business Associate Agreement to indicate that they will comply with HIPAA regulations involving protected health information.
In order to collect a medical debt, collection agencies do not need ANY of that detailed information about your health and medical history!
Collection agencies are also responsible for making sure that any protected health information that they receive is secured from unauthorized access.
So, how do you use HIPAA to delete medical collections?
It's easy!
Important Tip: Remember, you should always grab the low-hanging fruit first and dispute the collections with the credit bureaus. Sometimes that is all you need for easy deletion. If you’ve already tried that, the next step in the Basic Disputing process - covered in CRC’s Basic Disputing Course - is to demand validation. You can use the validation letters available in your Credit Repair Cloud library and wait for the response.
If the debt collection agency responds with too much of your client's personal information or ANY details of medical procedures performed, then it's time to put them on notice!
How do you do that?
You use the Validation of Medical Debt letter - the HIPAA request letter included in your Credit Repair Cloud.
This is a powerful letter, and it works very well to scare the bejeezus out of the debt collectors because you are essentially threatening them with a lawsuit for HIPAA violations.
And you can usually convince collection agencies to delete the account if they have violated HIPAA laws! This is a great tactic that often results in immediate deletion. But at the very least, even if they don't delete the collection from your client's credit report, you will likely be able to use the violations as a strong negotiating point to go after a paper deletion deal.
So, that's it! All it takes are the right letters and tactics.
You can take the power away from the collection agencies and put it back into the hands of the people that they're trying to hurt.
Now, if you don't have a Credit Repair Cloud account, go sign up for a FREE 30 day trial at
CreditRepairCloud.com/FreeTrial
When you sign up for the FREE trial of Credit Repair Cloud, you’ll get access to our proven and effective methods for:
And a ton of other real strategies that actually get you results…
I'm offering that certification course for FREE inside our Credit Hero Challenge, where I will hold you by the hand as you launch your very own credit repair business in just a couple of weeks!
And it costs less than you'll spend to take your family to McDonald's for dinner tonight.
To join the challenge and get that FREE Disputing Course, go to CreditHeroChallenge.com.
It’s an amazing program that has helped tons of Credit Heroes get their first clients, get certified in disputing, and gain confidence in knowing they are launching their credit repair business on a solid foundation that allows them to grow and scale FAST!
We’re starting the next challenge in just a few days, so SIGN UP NOW at CreditHeroChallenge.com!
So, keep an eye out for those HIPAA violations…and keep changing lives!