I was in an auto accident 1 year 4 months ago. It will probably settle in 6 months to a year from now. In the interim I have the ER, Ambulance, Doctor in the ER, & Radiology reporting negatively on my CR. My attorney has sent out Letters of Protection (LOP), which basically say that they cannot report on the debt until after the case settles and at that time they will be paid. I contacted the CA and they all said they don’t have LOP’s on file so the attorney said they would send them out. AmeriFinancial Solutions (AFS) CA said that if I provide them with a Letter of Coverage from Medicare then the bill will just “go away”. Is there anything I can do until these bills get paid, or just sit back and let my credit take a huge hit. It went from 760 to 599. A month ago it was 640. I’m hoping it doens’t go down further. I called a non-profit Credit Counseling Agency and they said to write a Letter of Explanation to the CB’s. I understand the HIPAA Process is for after the bills are paid and to get them off my CR (from what I can gather), so that’s not for me yet. I can’t afford to pay all of them out of pocket and be reimbursed. It would total around $ 10k. Looking for Advice???