Hippa law and deleting paid medical debt?

Does anyone have any experience with this or could offer any pointers? I've looked on myFico but can't find the thread.

4 Answers

  • 1 decade ago
    Best Answer

    Actually it is HIPAA. Here is a link where you can learn about the act.


    HIPAA - Public Law 104-191

    The HIPAA act is about a persons privacy. Because of HIPAA, medical debts can be treated differently than general consumer debts like credit cards, personal loans, etc.

    In summary if you paid the medical bills to the collection agency and not the original medical provider then HIPAA does not apply, if the medical bill was paid, in full, to the original medical provider, then it would apply.

    Meaning if you had a medical debt that was sent to a collector, then you have the right according to the HIPAA Act ,to pay the medical provider, in full. If a person then pays the medical provider in full, the medical provider must follow HIPAA and state laws concerning the account.

    If the person pays the collector, then they waive their HIPAA rights and it could remain on a persons reports.

  • Scott
    Lv 6
    1 decade ago

    HIPPA applies to releasing deleted medical data (such as putting on there why and what you got treated for). However, if it's being reported correct on your credit report FCRA and HIPPA laws wouldn't allow it to be deleted. It just has to be reported corrected and not specific information reported.

  • Anonymous
    1 decade ago

    The Medical Debt Relief Act has been introduced. It has not been passed or signed into law.


  • Anonymous
    1 decade ago

    There is no such thread. Medical debt is still debt. There is no right or entitlement to delete defaulted debts upon payment. Their status is simply updated to "zero balance" and "paid."

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