Paying off Medical Debt

what is the lowest amount that I can pay my drs. bills I want to pay monthly but they are saying 200.00 miniumn. I cannot afford that amount.

Comments for Paying off Medical Debt

Click here to add your own comments

Aug 27, 2011
Doctors bills
by: Anonymous

Do yourself a favor and don't pay the bill. Stop talking to them immediately and wait till they send to collections. When they send you that first letter, you write back and ask for validation of the debt. If they send you a copy of a bill or a breakdown of what they have in their system, you tell that is not validation because it doesn't proof in any way that you incurred the debt. Force them to give you a copy of the medical records that actually incurred the debt. If they do that, turn around and threaten to sue both the collection agency and the doctor because they have violated HIPAA and disclosed privileged and confidential information without your authority. Watch them drop that collection in no time! Don't feel bad. They all rob from us. You can't pay and the reason why is because of them. What goes around, comes around.

Good luck!

Aug 27, 2011
Paying off Medical Debt
by: Debtcollectionanswers.com.com

There is no law or rule of thumb that applies to how much you must pay to your doctor each month in order to pay off the medical bill. It is a matter of negotiation between you and your doctor, although in the end, the doctor is entitled to decide if what you say you can pay is acceptable or not to him.

To avoid having your debt sent to collections or being sued over it, you should offer to pay as much as you possibly can each month without jeopardizing your ability to pay your essential monthly expenses, like your rent or mortgage, utilities, food, medications, etc. So, can you increase your initial offer a little? If you can, the doctor might be more willing to accept your new offer because he would see that you are really trying to pay your debt.

Another suggestion is to schedule an in-person meeting with your doctor or with whomever handles his receivables. Sometimes you can get a lot more accomplished during a calm face to face meeting than trying to negotiate over the phone or via email. If you do meet, bring your budget with you to demonstrate that you really cannot afford to pay what the doctor is asking for.

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.