actively paying a hospital bill but have been sent to collctions, is this legal

by keith
(missouri)

i have been actively paying on a hospital bill but have received a collection letter from a contracted source, is this legal since i am actively sending in payments?

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Jan 10, 2012
actively paying a hospital bill but have been sent to collctions, is this legal
by: Debtcollectionanswers.com

Your hospital debt was due in full when you were billed for it unless you and the hospital negotiated a different payment arrangement. Did you do this and did you get the terms of the plan in writing? If you did and you've been living up to each and every one of the terms of the agreement, then your debt should not have been turned over to a collection agency. If this is the case, you may want to talk to a consumer law attorney because the hospital has broken the agreement.

However, if you did not negotiate an agreement with the hospital and decided on your own how much you would pay it every month, then the hospital is legally entitled to turn your account over to collections. If that is what has happened, it's likely that the hospital wants you to pay off the debt faster than you are doing now.

If your medical debt is in collections and you cannot pay it in full, I recommend that you try to work out a payment plan you can afford with the collection agency. If you are successful, get the terms of the agreement in writing before you start paying on it. Two other options for resolving medical debt are to settle the debt and to file for bankruptcy. I recommend that you read our article on dealing with medical debt for more information on these and other options, medical debt collection.


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