Medical bills?

Question

I have a medical agency that wont accept 20.00 a month payment and will take me to court if i dont pay the 3000.00 bills. Isn't there a law that they have to accept what i can afford?

Answer 1

I'm afraid not.

Can you put the total amount on a credit card?

Can you afford $50 a month? Talk to them and find out what they would accept per month. If you can't afford it, you need someone on your side with clout who can negotiate a payment schedule for you. Call Consumer Credit Counseling.

Answer 2

If the "agency" is a non-profit, they can not sue you for not paying if you are making a good-faith effort to pay off the bill. But not all hospitals and medical centers are "non-profit". There in lies the problem.

If they have turned you over to collections, call the place and speak to them - more than likely they will work out some sort of payment arrangement that you both can agree upon. They don't want to take all of your money - they want the money owed to them. Explain your situation, and write down your pay and the bills you already owe on. They will work with you.

Answer 3

They can't take you to court so long as you make monthly payments. This shows that you are making a fair attempt to pay the charge that you owe. Tell them to cease and desist, or you will file a complaint with the FCC because of their unfair collection practices. Check the link below for more information.
http://www.ftc.gov/bcp/conline/pubs/credit/fdc.htm

Answer 4

Call their bluff. They won't sue, they are a collection agency that bought the debt for 33% of the original amount. They'll write it off if you ignore them. You'll have a charge off on your credit report, and you already have a collection, but you won't be sued.

Answer 5

Sounds like you are dealing with a collection agency. Send them a letter telling them to "cease & desist" and deal directly with the facility or provider.