i owe $4000 on a medical bill , they want $100 a month for payments . i can only afford $50 . can they send me to cllections if i make my $50 payments ?
Answer
The important thing is that you sit down with the medical office's manager and explain why you cannot afford more. If your financial situation demonstrates that a $50 payment is what you truly can afford to pay, they will accept that and may even offer additional discounts to help you out. The absolute worst thing you can do is just ignore the bill, and hope they won't chase you down. Sending in a good faith payment at a level you actually can afford should hold them off, but it is best that you openly discuss it all with the business manager for the office. Be prepared to present all your financial information, including proof of your income and all your other bills. Get a written agreement to which each party can hold the other. It should specify that so long as you make the agreed payments, they will not turn you over to collections.
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