Currently paying medical debt, now being required to pay more.

by Terry H.
(Upland, CA)

I have been paying on a medical debt for app. 2 years now. The same amount has been paid on the first of the month without missing a payment. Now I am being called and told that I have to start paying more on a monthly basis or I will be turned over to a debt collector. Can they suddenly demand a higher payment after accepting and cashing my checks?

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Feb 26, 2012

Currently paying medical debt, now being required to pay more.
by: Debtcollectionanswers.com

Yes, Terry, they can. You are legally obligated to pay the full amount of your medical debt at the time you are billed for it and you not entitled to decide for yourself that you will pay what you owe over time instead. If you wanted to pay the debt in installments, you should have contacted the medical provider right away and tried to work out a payment plan. You did not and so it was only a matter of time before the provider contacted you about your unpaid debt.

If I were you, I would try to work out an affordable payment plan with the medical provider now so that you can avoid having your debt turned over to collections. If the provider refuses to work with you or you cannot reach an agreement with one another regarding the size of your monthly payment and your debt does end up with a collection agency, you may be able to negotiate a payment plan with the agency instead.

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