I used to think paying off debt meant sacrificing everything. No joy. No coffee. No skincare. No fun. Just suffering through spreadsheets with black coffee and shame. Even though now I’m coffee free for a month+ But that version of “getting out of debt” never worked for me. I needed a version that felt doable. Flexible. Human. So here’s what I started doing to pay off debt faster, without giving up everything I loved: 1️⃣ I negotiated my interest rates. A five-minute call saved me hundre...
How To Remove Medical Collections: Hippa Medical Dispute Letter | PDF | Health Insurance Portability And Accountability Act | Credit Score
This document provides information on disputing and removing medical collections from credit reports using the Health Insurance Portability and Accountability Act (HIPAA). It explains that HIPAA privacy rules prevent sharing of personal medical information without permission. The document includes templates for an initial collection account validation letter to dispute debts and request validation. It also includes two templates for HIPAA violation letters to send if a collection agency fails
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