Trover Solutions, Inc. review: Possible Identity Theft Scam 91

I got my first letter, did some research and found this complaint board, and decided just to ignore it. When I received letter number two I got a little annoyed. Then I got the final letter/threat so I called the 800 number. When they asked me where the accident occurred I told them it happened at 9390 Bunsen Parkway, Louisville, KY...Healthcare Recoveries headquarters in Louisville... :) I haven't received another letter in five months.

How can they prove they sent any letters by regular mail? This is like Phishing on the internet hoping for a response. My 3rd letter? prove it. If I am required by my insurance company, why isn't my insurance company asking? Did I sign for any letters? What letters?

Healthcare Recoveries is not a scam in the tradition sense of the word, but neither are they your friend. If you were injured by the wrongful act of some third party, Healthcare Recoveries wants to know because they would like to potentially recoup some of what your own insurance company paid to you. But what they gloss over is that ordinarily they are not going to try to get it from the third party whose wrongful act injured you. They are going to get it from YOU when and if you try to recover from the third party. They do this in two ways: (1) almost all health insurance contracts give the insurance companies a contractual right to seek reimbursement in these situations; and (2) to prove a case against the third party, you will need documentation regarding your medical bills, which these guys won't give to you unless you jump thru their hoops to make sure they get paid. When they talk about cost containment they are talking about taking money that would otherwise go to the injured party who had used the insurance that he had already paid for with his premiums. Those who call them "ambulance chasers" have it 180 degrees wrong. That term is usually used for Plaintiff's lawyers, lawyers who represent people who have been injured. Healthcare Recoveries helps the insurance industry by trying to take money out of the pockets of injured people.

Got a letter. Claims treatment date as "an accident/injury". Doesn't pass the smell test.

If my insurance company wishes to inquire me about medical history it can send me a request that is not operating out of a PO box

If they're legit they should acquire methods of acquisition that don't resemble mail/identity fraud..

Please do reply to them. I called BlueCross, my payor, and they confirmed that Healthcare Recoveries represent them. They are just here to verify if your injury was caused by any other party that may be at fault, that's it. My insurance also said if i dont respond to them, they will keep sending 4 letters and if i dont respond to the last one, they may withdraw the money given to the provider/hospital, which I believe can then end up on you. So best is to cooperate and respond to their queries. They don't ask any personal info other than about how the injury took place etc.

I too was very skeptical about the letter and kept ignoring it. it just didn't feel right. so finally I called my insurance company directly and talked to a representative and she assured me that it is legit and its ok to give the information requested. I called about 5 mins ago.

You have stupid and uneducated consumers. I bet if the insurance company cancel this clown out she/he/it would be on the phone calling.

Bank of America can not talk to you about your sister account unless you have a power of attorney.

I found HR (aka Trover Solutions) also intrusive with its "Cheri Hall Manager" form signature. I hate HR and that "HIPAA" leverage sentence. nearmj

Ok. Here are the facts. When you purchase insurance directly or through your employer you enter into a contract. That contract has a clause about potential subrogation rights and your agreement to cooperate. Unwillingness to cooperate may forfeit your rights for payment of claims. There is always a contract and you can always ask to see it. Just ask your HR rep or insurane company.

Your insurer pays a subrogation recovery company (HRI/Trover is not the only one) to review your claims. Claims submitted by a provider (doctor, hospital, ER, etc.) are reviewed based on the standard diagnosis codes put on the claim. If the code used indicates an injury that MIGHT be accident related your name and address kick out and you get a letter. The letter is only asking you to confirm or deny if an accident ocurred in case another party is legally responsible for claims resulting from an injury. If you are in a car accident and someone else hit you sometimes your medical bills get paid by the car insurance company rather than your health insurance company because they are legally responsible. That all. This is not a scam. It is not fraud, identity theft or phishing. Lawyers are involved at times because a matter of law comes into question regarding interpretation of contracts and fault. It happens everyday.

Often you do need to cooperate else your insurer may stick you with all the bills because you are contractually required to. Your insurer is too busy paying your claims and dealing with all the BS of HIPAA and healthcare reform to do subrogation work themselves. The people that work at these places are just like anyone else. Doing a job to get paid and support their families. There is no conspiracy. If you don't like the way this works then you have to change the legal system and healthcare and other insurance. Good luck with that.

Got the same letter. My employer pays an arm and two legs to provide me with health care. My injury began to bother me at work, but really it is an arthritic condition, , not an injury at all. If I told these bums that it started on my work shift, they probably would be trying to sue workman's comp, or my boss. I bet this would really please him (NOT). I intend to show my boss tis letter, so he knows the real dilemma this company could so easily put him in. This ambulance chasing is the main reason health care costs as much as it does. The lawyers get rich suing to collect.I do not intend to respond to this letter at all.

I also got a letter from healthcare recoveries and made the mistake of calling before I checked on this website.She asked about the incident listed but also asked about other incidents which I answered and regret I did. I had no idea what was going on started getting upset over her questions and she ended the call. I should have asked for a superviser but I think the damage is done and things will be blown out of proportion.I dont know what to do now. Do not call them... Anonomous1

Healthcare Recoveries, Gibson and Sharps, Trover, who pays for them? We do, with higher premiums, as the insurance companies try and "3rd Party" their way to profits. Who are the "3rd Parties" who "should pay"? Why other insurance companies with their own subrogation henchmen and the same motives. How in the heck does this keep costs down? Does it really keep costs down if your BCBS gets paid back by my Kaiser who does the same with another Ins Co and so on with the added overhead of all these "lawyers" and "recovery" shysters? Get real. Ignore these idiots, you are just feeding their fraudulent system.

omg you ppl are crazy, call you health plan its a real compnay that works with your health plan to make to third party isnt liable for you treatment like work comp or car insurance. this is not a scam they are just trying to keep cost, so the health plan isnt paying for stuff another party is liable for.

The comment below was posted on another site but its worth a read...
Subrogation is usually proved by some bit of information the consumer supplied to the INS CO. They get this information when people talk to places like Healthcare Recoveries (work for BCBS). DO NOT RESPOND TO THEM!

How many times have you tried to contact your INS CO and they have given you the run around and WASTED YOUR TIME. Get them back by not answering them! If you make the mistake of answering the phone, put them on hold.

Healthcare Recoveries is trying to get money out of you! Even if the INS CO has paid the claim they can still try to recoup their money. Example: If you fell at your mothers house they would try to sue your mothers homeowners INS CO. Nice, now her INS rates go up.

Lets address keeping costs down... These are the most common healthcare scams; Phantom Treatments, Double billing, Shoddy Care, Unneeded Care, Identity Theft, Rolling Labs and Runners. Subrogation isin't on most heathcare scam lists. The fact is, it's easier for the INS CO to just ask you a few questions and then take your money or money from your mothers INS CO than to go after the real crooks. Your mom will thank you.

DO NOT ANSWER HEALTHCARE RECOVERIES!
DO NOT ANSWER HEALTHCARE RECOVERIES!

Alright, this thread really freaked me out because I had no idea who was legit or not -plus some people are really harsh or just don't seem real. Here's my story: I had wrist surgery to have a cyst removed recently(3 months ago) and just got my "2nd notice" from Healthcare Recoveries ie Ms Cheri Hall. I ignored the first letter, hoping they would just take me off their list(wishful thinking i know). But number 2 came and I knew it was time to call Blue Cross Blue Shield to confirm the legitimacy of the letter. So, I called the number on the back of my insurance card and finally got through to a real person who nicely informed me that "yes, it is real." she explained basically what alot of people on here are saying, the company is hired by BCBS to see if any monies can come from anyone else. I told her that I have had past experience of fraudulent medical practices(Backstory:a hospital sold my old record of an ER visit to the collection company CMRE who said I didn't pay it and it was over 3 years old! This was absolutely not true and I had records to prove it. I had to seek legal counsel and write dispute letters which did finally clear up of that scam) so I'm very hesitant to call them and give any information. She said that most likely they have it all and would most likely only ask for event number which is provided on letter and maybe date of birth like her company does. (which I didn't like bc thats not on the letter so do they really have that?) She also said that I wasn't the first person to ask her about these letters and how they don't seem to be authentic and apologized for that. Strange but nice.
So I hung up the phone and decided I would try the online method that was provided on the letter first before calling Healthcare Recoveries. It actually was simple to my relief and they didn't ask for any extra personal information that isn't provided on the letter- as in NO birth date, etc needed! :) The online form is in 5 steps: First you put in the event number and the info on the letter(address, name). Next page, it asks how the injury was received with several options which you have to choose one.I chose "other" so the next page made me fill out the "other" information - which included detail description of the injury/incident. So I explained it was not an injury and my doctor recommended the surgery, no one else involved or at fault. no accident, etc. The rest of the page asks specifics like where you got hurt, when exactly did it start, if you had involved any other insurance companies/filed anywhere else, and finally is the patient represented by an attorney.
Final page- says thanks for filling out info and asked for a telephone number if they have questions. So this was the only piece of information that was not already on my letter and i figured i'd give it to them, although I wish I didn't have to.
That was it. So here's hoping no more letters or other issues come about. I would recommend people to call their insurance/biller directly. Find out the scoop, give minimal information if you do give anything. Be careful if you talk with anyone.

Hey all,

I got the same fishy looking letter form Healthcare Recoveries so I called BCBS with the 800 number on my card and asked them if they are are a company they do business with. I found that they are in fact doing business with them and that is the correct number to call them with. I then called Healthcare Recoveries and found that the only information they wanted was the Event number listed on the letter and if the procedure was due to an accident or some other event that would enable them to spread the financial load to other companies. They really only asked the question "was this treatment called for due to an accident" I told them no, and that it was recommended by my doctor. that is the only information I gave and that is all they asked for, I did not offer any details past that. At the end of the day its a bit of a pain but I can understand why the are doing it due to the incredible cost of medicin now. Clearly they are getting enough results to be able to spread the financial load to other companies. otherwise they would not be paying a 3rd party to do this. Now if you would have to answer yes to their question I would think that you might want to work with Human resources at your co. if you have that, just make sure this was handled properly and with confidentiality. I would not give up that information without some input from people that are familiare with those kinds of issues.

I present all of you with the facts and what you can do in regard to letters received from Healthcare Recoveries.
Don't ignor the letters, be pro[active and call the 800 number. Inform the Rep. that your call regards the event number printed on the letter and ask the Rep. for their full name and an employee ID, if there is an ID to give, (be polite) do not give your insurance card number, instead, think about what statements can be made to fullfill any legal obligations covered under HIPAA RULES AND GUIDELINES. under HIPAA rules it is legal for this third party;
Healthcare Recoveries to request information about your event. However, if your visit to the ER was not the result of an accident you only need to state that fact and tell the Rep. that any more information would have to be provided on a report issued by the hospital in regard to the release of the ER Summary report.
If your ER visit was indeed the result of an accident. you can again state that any information that would be factual woulf or should come ffrom a professional sorce, i.e. hospital ER summery report or if related, any police report that sould be provided through the actual insurance provider, i.e. Blue Cross.

Keep in mind that most of the information they need and legally entitled to can be obtained through proper channels when they abide by HIPPA rules and guidelines. By sending you their letter all that their really doing is hoping you'll help make their job less time consuming and more cost effective.
Do not be intimidated by threats of legal action against you, the fact is, in the state of Illinois; the state Attorney General could when proven, impose a fine on the company (healthcare recovery and the law firm of Gibson and Sharps for harassment, which could result in your being awarded $1, 500.00 but, you do have to first prove that you were pro-active and that you did send a letter requesting no further communications with HCR and/or their legal reps.

How do I reach you with a private email about a claim?
I don't want to post all the information for public viewing.

jwren: Thanks for you simple, 4-step action list. Feeling uneasy about the snail mail received yesterday from "Cheri Hall", today, I decided to check online for folks relating similar experiences. To avoid future contact with "Healthcare Recoveries", I will follow your suggested course. Hopefully, that will do the trick. Thanks again! k2

Ahh... just got my Gibson & Sharps letter after ignoring all the previous letters for the most part. My wife is all panicked about them so I actually did try to call after the 2nd letter and they wanted me to hold for them. I waited approximately 5 minutes in the queue waiting for someone to take my call. No thanks, I'm not wasting my time sitting on hold so I can help you. Gibson & Sharps, meet my trash can.

I received a similar letter. I agree with the previous posts. They specify a treatment date but not what it is for. BCBS has all the info they need and with what we pay in premiums they are crazy if they think I am going to do their work for them. Ok Gibson and Sharps attorneys at Law, please tell me what crime I am committing in not responding to a company I've never heard of and not giving them my personal information? If an injury was due to an accident it would be on file with BCBS and they wouldnt be asking me what the injury was for.

I also received my letter. You know I pay enough for insurance, I am so stressed about this medical mumbo jumbo anyway. I gave all of my info to the hospital. I just hate thinking that all the money I spend a year for medical insurance is going to companies like this. As I said before I gave the hospital all the information. I know what happened. If someone else was involved in my accident I would be the first person to get money from the other person to pay my medical bills not my own insurance company. Where does it end, and how do we make it stop. GOD help us all...

I heard from Cheri as well. Called my provider (Highmark). Highmark does employ Healthcare Recoveries to try to recover costs from third parties they believe might be responsible for costs. HOWEVER, the Highmark subrogation rep I talked you said that NO ONE was going to "come after" me for not responding to Healthcare Recoveries' letters.

My letter states, "If we do not hear from you within ten days, we may refer this matter to our Legal counsel." (I like how "Legal" is capitalized, though it shouldn't be.)

The Highmark rep laughed and said, "There's nothin' to come after you for."

Here's what I did. I think it would work for anyone who recd letters from Healthcare Recoveries:
1) call your provider
2) ask for the Subrogation Dept
3) tell the rep that the claim did not involve any 3rd-party liability (do not go into details. simply tell them that the party was injured)--unless you believe that another party was truly negligent or culpable
4) ask your provider to update your information and tell Healthcare Recoveries to leave you alone

Bottom line here is you simply DO NOT have to tell them anything. Yes, they may be "working" for your health care provider, but they are doing you NO service. Ultimately their goal to to take any settlement proceeds (or insurance payout) you may be entitled to as a result of an accident, or injury, and forward those monies back to your health care provider (after keeping a percentage for themselves). In practical terms, it does VERY LITTLE to keep costs "down" and simply is just another source of revenue for your provider. In "some" instances they may contact your employer group who MAY (or may not) force you to cooperate with HRI... and if that occurs, they you'll have to grudingly cooperate, but until that occurs (if at all), simply ignore them.

just ignore the letters. the idea that Healthcare Recoveries keeps costs down is not right . endless lawsuits with everyone suing everyone Increases our rates in the end. of all the megacorporate industries, the healthcare industry is one of the ones i'm least sympathetic towards. and i'm not spending one second calling kentucky just to help them increase their profit margins even more.

You guys are seriously getting worked up over a legitamate business.
4 months ago my 4-year-old was wrestling on the bed. He hit a corner and got a cut on his face that needed minor stitches in the ER. I have Kaiser.
I got my letter from Healthcare Recoveries and was suspicious. After reading this thread, I went ahead and called the 1-800 number as requested, but I was cautious.
They asked me identifying info, but not complete info. Just my street address, but not the city/state/zip. My name, but not the name of the patient (my son). They never asked for anything sensitive, like my SSN or medical number or what-not. That implies that it really is for verification, not for identity theft or scamming.
Anyways, after that, they asked what happened, which I explained in two sentenses. They asked where it happened. My house, in the bedroom. They asked if there are any claims related to this incident with other insurance companies. I said No.
She thanked me and that was all there was. The whole thing took 2 aminutes.
It is not a scam. As others have tried to say, your healthcare provider is in the medical business, not the legal business. So they hire a 3rd party to cover their bases and make sure they are not being taken advantage of by paying for things that other insurance should be paying for.

Hi, I received a few letters from Healthcare Recoveries regarding a chiropractic visit. I thought this was strange as I go to the chiropractor every week and have done so for the past 4 years. I did not understand why they would be singling out one visit. I went on line and found this complaint site & decided to ignore the letters based on others' experiences. Then I got another letter but this time it was from Gibson & Sharps Attorneys at Law. The letter stated that I was obligated to respond to the inquiry. I decided to call my insurance company. I was told by Keystone's customer service that the inquiry was legitimate. Instead of calling I went to their website. There was a form to fill out. I was required to qualify the nature of my condition - whether it was work related or not. I do not anticipate any negative fall out from this experience, but if there is I will update it here to keep people informed. When I called my insurance company, the representative I spoke with understood my concern about phishing scams and identity theft. I think if any of you are really concerned, you should contact your insurance provider. I hope this post helps alleviate some of your concern.

Obviously, all of you are complete idiots who are so blinded by your own ignorance. Have any of you ever once thought about how much money your health plan pays out for your treatment!?! Um, it's nothing compared to the monthly payments of however many hundred dollars you may pay for your health insurance... One treatment you receive may cost over $1, 000 or more depending on what type of tx you may get. ER visits are damn expensive! I wouldn't want to pay that completely out of pocket! I would be thanking your health insurance for covering your treatment! With this being said, your health plan has a RIGHT to know if the treatment you received is a resut of another party's negligence...that's all they want to know. Yeah they ask you to verify your privacy info to make sure there not speaking to some crack pot old fool that picked your letter out of a garbage can somewhere and wants to discuss YOUR medical treatment. And they ask for a few brief details of your treatment to get a clearer picture of what caused your treatment. They only see a select few treatments your health plan has sent them to go over, NOT your entire medical history! Seriously, if someone else is responsible for your treatment don't you think, as an ethical human being, that the negligent party's insurance should cover your treatment cost? Uh, yeah. Why the hell should your medical insurance have to pay if someone else is responsible!?! Seriously. Don't be so completely ignorant! If you don't like the proper procedures your health plan uses to keep your insurance costs down, then shut your mouth and get another insurance company! But beware, because sooner or later all insurance companies will be using these subrogation services. A: It keeps insurance costs down, big time. Because naturally, if your insurance paid for everything all the time, they would have to keep raising your monthly bill, by other responsible companies paying for the correct treatments it keeps the system regulated. And B: your health insurance is so freaking busy working on going through all your claims and paying for them, member services, etc. That they don't have the time or resources to handle subrogation in their own company. So, outsourcing to a different company basically is the easiest way to keep the process simple and efficient! If you don't like it, perhaps you should have read the fine print in the contract you have with your health plan before you agreed to pay for it. Being ignorant is no excuse, do the damn research before you ### about something that saves you money in the end. Just saying. Healthcare Recoveries rocks! (oh, and p.s. Healthcare Recoveries is a branch if Trover Solutions, whoop de do if they don't list every single branch of the company in your letter! It's not fraudulent, what difference does it make!?!) get the hell over it, ###.

I can assure you that NOTHING HRI does will keep your healthcare costs down. Subrogation is a very, very, very, small part of the insurance industry. And of that small part that they recover from... they (and companies like them) usually keep up to a third of what they collect. I also suspect that "4the record" is actually a company employee posting comments here to try to maintain the high moral ground in what they do.

Where there is a demand, there will be a supply. HRI is the nation’s largest vendor for subrogation services to the private payer industry.
There are insurance fraud investigators on both sides but HRI does something different and essential to the whole insurance industry. They don't investigate fraud, they investigate responsibility after the payment of insurance has been approved and paid. If you were BCBS and a company like HRI returned 200 million to you for legally finding the resposible party you would worship HRI. HRI is no threat to the consumer (unless you lied and there is fraud) and they have a large impact on keeping insurance rates down. I know of this company and they do the same thing for property and casualty insurers. If your driving and a tornado throws your car into a house...who is reponsible? Your main health provider will usually pay but legally your injury may be the legitimately responsibility of your car insurance or the homeowners insurance or the states catastophic insurance. If subrogation was not available to the insurance industry, and trust me on this, your insurance would delay payment for untold perids of time until they were sure they were responsible, causing you serious problems from the doctors and hospitals that treated you. So unless you are commiting fraud, just tell them where and how your injury happened on behalf of your insurance that just paid 50 grand or more to fix you back up in exchange for the 1 or 2 grand you pay them per year.

I just called Healthcare Recoveries and they are a company (subsidiary of Trovis) retained by your healthcare provider to audit the claim to see if anyone else (auto insurance, other third parties, etc.) can be brought in to the mix to save your healthcare provider some money. In the end, they are paid by savings provided to your HC company. Not a scam but not really a business I would be proud to be in either. They are essentially trying to find someone else to pay what they’ve already said they would pay.

I caleld my health care insurance provider (Aetna) & confirmed they use a third party, HRI, to review claims for subrogation purposes. Subrogration is when one insurance company reaches out to another party (usually another insurance co) and shares the cost of the claim. This is most commonly seen when insurance your health insurance company has claims related to a workman's comp claim or car accident.

The # Aetna provided for HRI was different than the one provided onthe letter from HRI. I called the Numberfrom Aetna, the event number pulled my records & I was asked a few simple questions regarding my DR appts. Where did it happen, did I file with any other insurance companies, what is work related, etc. At the conclusion of the call I asked what happens next & was informed she updated my records & determined no third party responsibility. I asked for something to identify the call if necessary down the line & received the reps name & reference #.

It took less than 5 minutes for the call.
All in all it seems this is a reasonable way for the insurance companies to confirm everyone is not over paying for services.

My suggestion is to call your insurance company directly and ask them if this is a legal letter. That is exactly what I am going to do!

I just got a letter from same company. I'm calling Blue Cross Blue Shield to answer any questions they may have. I will not give out my health information to a company that does not have a member ID or any information to confirm this is not a scam.

Thank you everyone for clearing this scam up for me. I received my 2nd notice yesterday and decided to do a little research before calling them. Now I won't have to. GFY Cheri Hall!

I received a letter from Healthcare Recoveries and decided to check them out on the internet. So glad I did... I felt the same way...why are you asking me all this information again...this happened a year ago...I too have mailed, faxed..etc everything to my BCBS provider...why again..why now! It was totally frustrated.. I am so glad I didn't respond to these people... so glad I checked out the internet before being pulled in by these ambulance chasers.

Let me add to your disgust, dear readers. I actually work for my insurance company (medical) and support their systems, dealing with the people one on one...daily. Why would a 3rd party company send letters to me at home, asking for insurance information about my medical insurance coverage (regarding a family member i support from a mid-1990's divorce event)...on behalf of the company i actually walk around in?

My employer IS my insurance company! Do you really think my employer needs to find out what their own insurance information is, to give to themselves, and can't figure that out. BTW, i got trapped in a phone call w/ "Healthcare Recoveries" and didn't realize the problem with them at first, and sent them paperwork with legal information proving insurance responsibility and court paperwork for the joint-custody divorce of the mid-90's...and declared everything openly to them. Months later i got the ole' "2nd Rquest for Claim Information" letter that many of you here have gotten. Imagine...i sent them EVERYTHING, legal documentation with judges signatures, and they still contact me with "we need more information."
By the way, the person on the phone at that time, was very elusive and threatening at the same time, that legal action could be taken (which i see some of you refer to in your postings as well).
I think something fishy is indeed going on here, and now i'm sad i didn't think about it at first that my own insurance company wouldn't need to use a 3rd party company to get my insurance information...and i panicked that i'd missed something along the way in the final years of my divorce decree going null/ending. Oy veh...i say stay away from Cheri A Hall and Healthcare Recoveries, because i don't believe they are being honest but are gold-diggers (well, ambulance chasers is a better term, like others have said repeatedly in their postsings).

actually worked for them, and this is what they are all about. say you fall and break your leg. If you're lucky, you have health insurance, go to the hospital, get treatment, and get better. Your health insurance company, even tho' they paid for your care, wants to know, WHERE did it happen. see, if you broke your leg at a friend's house, then your insurance company, say blue cross, kaiser, all the big ones do this, well, your health insurance company would like to sue the homeowner's policy of where you broke your leg...since technically they are liable. and GET BACK THEIR MONEY! say you broke your leg at a business, cha-ching. fall on the city sidewalk? healthcare recoveries would like to sue the city, on behalf of your health insurance company, and get their money back. even if you fell at your friend's house who rents a trailer and doesn't have homeowner's, much less any insurance...who is liable? subrogation is basically the process of WHO CAN WE MAKE PAY FOR THIS! Health insurance companies hire healthcare recoveries to get back money for them. so yeah, gone are the days when you had health insurance, something happened, you were covered, and life went on. so, that's what they're after, hence the forms and asking for information. your insurance company, and darn near all of the major health ins companies do this, flag certain claims/treatments, and then has healthcare recoveries "check it out" and see if they can get the money they paid out on your claim, back. seems ridiculous, but unfortunately seems to be how it's done these days.

We have received these letters for years. We have never responded and they shred just fine, like all the credit card offers we receive. :) The treatment dates that they list refer to regular check up appointments with our primary care doctors. No ER, no accident, no reason I would want to sue someone! So we ignore these . Go ahead and refer "this matter" to my local BCBS, they barely have time to answer real questions, much less come after us for "appropriate action". Frankly, I'm relieved when I receive the "Third and Final" letter, that means you won't be bothering me anymore.