Hospital Bill Collection

by Denise
(Snyder, TX , US)

I live in a small town in Texas. I had knee surgery in Decemeber, 2010 and have had many bills to deal with. I received a bill from our local hospital for $877.00 for Rehab after surgery. I am in debt period from surgery bills and credit cards and it takes both of my checks to barely pay my bills monthly. I called when I got my first bill and told them I would pay some, but couldn't pay much right now, they said it would be noted. I have paid $20.00 the last two months to let them know I am not going to let this bill not be paid, but right now $20/month is all I can do.

Today I got another letter from a collection agency saying since I hadn't taken care of my obligation I would have 2 wks. and then it would be turned over for collection and take me to court.

My question is if your paying monthly, even a small amount, can a hospital still turn me in? I thought as long as you were trying they couldn't turn you in. I'm scared and don't know what to do. Can you help me?

Comments for Hospital Bill Collection

Click here to add your own comments

Oct 28, 2011
Hospital Bill Collection

So sorry to learn about your situation. I know it is stressful for you. Unfortunately, the hospital is entitled to send your outstanding debt to collection, even if you are making payments on the debt. The exception would be if you had contacted the hospital and arranged a payment plan with it that obligated you to pay a specific amount each month. Then, as long as you paid that amount by the due date every month, you would have been able to avoid having your debt sent to a debt collector.

At this point, you have a couple options. The collection agency may be willing to negotiate a payment plan with you. If you and the agency reach an agreement on how much you will pay on your debt every month, be sure to get the agreement in writing before you pay any money on it.

Another option is to try to settle the debt -- get the collector to agree to take less than the full amount of the debt as payment in full. Most likely however, you will have to pay the settlement amount in a lump sum and it sounds from what you have told me like that may be difficult for you to do. Go here to learn more about settlementdebt settlement podcast.

A third option is to meet with a bankruptcy attorney to determine if filing for bankruptcy is a good option for you. If you qualify for a Chapter 7 bankruptcy, you will be able to get rid of your medical as well as your credit card debt. Go here to arrange a consultation with a bankruptcy attorney. The attorney will help you determine if there is a way for you to avoid bankruptcy and will advise you about how bankruptcy works.

Good luck!!

Click here to add your own comments

Return to Medical Debt Collection Questions.

Learn how debt collection laws can help you!
This website does not provide legal advice.
All information is for educational purposes only.
Copyright 2007 - 2016 by Mary Reed and Gerri Detweiler.
All rights reserved.