WAM, sent me the following letter as initial communication. The debt was 'sold' by the hospital. WAM has all 'rights' to the debt. The settlement offer overshadows the validation process as well as circumventing or by-passing medical privacy rights. FDCPA violation § 809 Validation of debts. The letter is clear that they are acting as a 'mediator' between myself and the hospital. False and misleading, I don't have any outstanding claims with any hospital. It was written off as a bad debt and WAM owns it and has no color of authority to release me from any claims hypothetical or otherwise in the first place. Violation of FDCPA § 807 False or misleading representations; also violates Florida Consumer Collection Practices act (FCCPA) ss 559.72 as well as the Florida Deceptive and Unfair Trade and Practices Act (FDUTPA) ss 501.201
Lastly, it addresses my spouse. Normally this is allowable under HIPPA but not by Florida State law. This is a clear violation of F. S 456.057 (12) in part; The third party to whom information is disclosed is prohibited from further disclosing any information in the medical record without the expressed written consent of the patient or the patient's legal representative. The operative words being 'any' and 'expressed written' a very very long arm statute that trumps anything WAM tries to use as safe harbor. See HIPPAs CFR 45 § 160.202 definition of 'more stringent'. Also, see Pogue v. Diabetes Treatment Centers of America Civil # 99-3298.
Don't let this company deceive you as it relates to medical collection or the hospital.
I have already sent my ITS to Mr. Mussman the vice president of West Corp.in Nebraska (their parent org) Anyone here from WAM have a name to send my summons to in Marietta, GA? C'mon don't be shy, evasive and reluctant like you are on the phone over 10 times.
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