I have medical bills sent to various collection agencies can I?

Question

Can I combine all of them with just one place so I can make one payment monthly? Is that possible? and how? where do I get info

Answer 1

Probably not unless you get a loan and pay them all off and just owe the loan company.

The collection agencies are independant of each other so I doubt they will want to somehow combine them.

The best thing you can do for yourself is call each of them and work out a payment plan. Don't let them bully you. Each of them wants as much of your money as they can get and you have a limited amount to go around to each of them. If you are making an honest effort to pay these bills of, they cannot harrass you. If all you can afford is $10 per month, then tell them that. But you are going to have to figure out how much you can afford a month and split it between the various collection agencies.

If it IS possibly for you to get a loan and pay them all off so you only have one payment, then consider that. However, since all of this stuff has already been turned over to collections, I'm guessing about the only loans you could get will be really high interest rates. Your credit score has already taken a beating from all the collections.

Good luck.

Answer 2

Sure you can. Credit counseling agencies can lump all your unsecured bills into one monthly payment.
Some require you to have a certain amount of debt to qualify and some don't. And don't believe that all credit counseling charges outrageous fees. There are fees involved, but they're very small,
you shouldn't notice it.
CareOne is good. You can get setup online and find out your estimated monthly payment before you sign the contract.
You can also try your local credit counseling agency, instead of online.

Good Luck!