Product: Debt collection

To : Focused Recovery Solutions Inc. 
XXXX NC XXXX Certified Mail Re : XXXX XXXX XXXX Case # XXXX Acct # XXXX Service Date XXXX XXXX XXXX To whom it may concern : As you know we have directed correspondence to this alleged debt to our legal counsel XXXX XXXX and have discussed the case with XXXX XXXX XXXX and its accounts receivable department. The error to receive proper payment was in coding this bill properly in order for the insurance company to pay the bill. The improper coding on the bill has created the insurance company to deny payment. The medical procedure of XXXX is not optional like a XXXX but mandated by the County of XXXX as well as the United States department of XXXX control. XXXX XXXX in Delaware has billed properly and was paid properly given the fact that they coded it as mandatory versus optional. Our insurance company XXXX has informed you on more than XXXX occasion as well as us that your coding of this treatment was in error by the XXXX XXXX nevertheless XXXX XXXX refused to change the code from an XXXX to a XXXX. My wife did not seek a XXXX as a way of not XXXX in the event she should someday be exposed. She went to XXXX XXXX to receive a subsequent vaccination in her series as the result of having been exposed to a XXXX over 2 nights and waking with a XXXX that had not been noticed before. As you have been previously notified, she was told to get this XXXX by public health officials. Nobody in their right mind would go through this XXXX unless it was absolutely necessary! This lack of changing the code has created a denial for this bill to be paid timely. My wife and I are willing to have a court of law decide what to do or an arbitrator of choice. This is our second written correspondence to put this behind both of us and we look forward to a resolution to this matter. 

Sincerely XXXX Virginia XXXX Second Letter : To : Focused Recovery Solutions Inc. 
XXXX NC XXXX Certified Mail Re : XXXX XXXX XXXX Case # XXXX Acct # XXXX Service Date XXXX XXXX XXXX Date : XXXX XXXX XXXX Dear XXXX XXXX XXXX : We are in receipt of your letter on XXXX XXXX XXXX however Focused Recovery, XXXX XXXX XXXX your client has failed to understand and realize the error and omission of your billing method in XXXX of XXXX as well as XXXX XXXX. This is true that you billed our insurance company and it is also true they did not cover the " XXXX of non-covered charges '' due to your billing code error as stated in the XXXX XXXX letter. Secondly, according to contract procedures that XXXX XXXX has with my insurance company XXXX proper billing and protocol was not adhered to thus coverage was denied. Billing for coverage for services over one year old is normally not allowed and is a breach of the covenants within the contract in addition to the coding error. If you re-read the letter sent by registered mail on XXXX XXXX XXXX the bill was sent with the wrong code therefore your claim for insurance was denied. If XXXX XXXX had taken proper action in correcting this billing in XXXX near the service date then the bill would have been paid but no timely action was adhered to thus creating a denial of coverage from the insurance company. I had requested arbitration as well as proceeding to court to have a judge decide this matter however you have decided to harm the XXXX family by reporting this to the credit bureau. This malicious act of harming our credit rating will have a great effect on obtaining credit, getting a home loan at a reasonable rate.