The HIPAA process is a method of removing medical collections from your CRs.
It only works if the debt is paid or you intend to pay.......and you ONLY deal with the OC/healthcare provider. You cannot have any contact with the CA whatsoever.
It's a long process (several months) but it does work.
There's more to it than that.........but in a nutshell, that's it.
I used this method to remove several of my medical collections.
If you are interested, let me know and I will go into it with little more detail.