paying a medicall bill

by Pasty
(Somerville Tn)

I owe 2,784.00 on medical bill have been payin anywhere fro 100.00 to 60.00 a month but they want to turn it over to collecton agency

Comments for paying a medicall bill

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Feb 15, 2012
paying a medicall bill
by: Debtcollectionanswers

Unfortunately, the medical provider has the right to turn your debt over to a collection agency if you have not paid the full amount of what you owe. I realize you are trying to pay something on the debt every month, but unless you have negotiated a formal written payment plan with the provider, simply paying what you can is not enough.

At this point you have a couple options. If the debt is not in collections yet, you can contact the provider and ask if you can work out a payment plan. Explain that you want to pay your bill but cannot pay it all at one time. The provider will probably want you to pay more than $100/month given the amount that you owe however.

If you and the provider are able to work something out, get your agreement in writing before you begin paying on it. Also, make sure that you understand all of the terms of the agreement and feel sure that you can live up to all of them. Defaulting on the agreement will probably mean that your debt ends up in collections, or even that it's turned over to an attorney so you can be sued.

Another option is to see if the medical provider will agree to a settlement. This would involve the two of you negotiating an amount that you would pay in a lump sum that would be less than the full amount that you owe. The provider might agree to settle your debt in order to avoid the cost of working with a debt collector or having to take legal action against you. If you agree on a settlement amount, do not pay it until you have the terms of your agreement in writing.

If your debt has already been turned over to a collection agency you can also explore a payment plan or settlement with it.

Finally, if none of the above options work for you, bankruptcy is something else you may want to consider, especially if you have a lot of other debt that you are struggling to pay. Depending on the kind of bankruptcy you file, you will be able to wipe out your medical debt. To determine if bankruptcy is right for you, schedule a free initial evaluation with a bankruptcy attorney. Talking to an attorney before you file is a big step because pursuing bankruptcy is a big step and so you want to be certain that it's in your best interest. Also, you will need a bankruptcy attorney to handle your bankruptcy for you as the process is very complicated.

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