Medical Bill

Back in 2005, I received medical attention from a Chiropractor. The bill is 2000.00 which I learned from the coolectiopn agency pay 135.00 a month. She is saying that since my bill is so large they can only do 200.00 a month. Again I informed her that my budget will only allow 135.00 a month to medical bills. I work for a school system where we are experiencing cuts in pay. I live in Georgia.
I am willing to pay this amount monthly and if I incurr any additional funds of income I will double the payment throughout. What is my options? Thanks

Comments for Medical Bill

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Mar 01, 2012
 Medical Bill
by: Debtcollectionanswers

Unfortunately, you do not have a lot of options because the collection agency is legally entitled to establish the amount that it believes is acceptable for you to pay each month. Sometimes however, a debt collector will tell you that it wants you to pay more hoping that you will agree to do so. Therefore, you might go back to the collector and reiterate that $135/month is the absolute most you can pay right now given your budget.

Another alternative is to counter with a slightly higher amount than you are paying now. The collector may agree to that new amount even if it's not $200/month because he will interpret the higher amount as a clear sign that you really do want to pay what you owe.

A third option is to see if you can settle the debt, which involves getting the collection agency to agree to let you pay it off for less than the full amount that you owe on it. However, if you and the agency reach an agreement, you will probably have to pay the settlement amount in one lump sum.

If you are able to reach an agreement on a settlement or on a monthly payment schedule, get the terms of the agreement in writing before you pay any money. Store the agreement somewhere safe.

If you are not able to reach any kind of agreement, you risk being sued for the money you owe eventually. For more information about debt collection lawsuits, go here, being sued.

Good luck. I hope you are able to resolve your debt problem.

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