Payment made, but still sent to collection agency
(Plainfield, New Jersey)
Have heart disease and went to Plainfield, New Jersey emergency room fearing heart attack on July 18, 2011(have 2 stents). Doctor's bill came to $779.16. Called and explained to Akron Billing Center (doctor's billing collector) that been unemployed for over 4 years, no income, but will make every attempt to send in monthly a payment on the overdue balance til paid off. Statement on February 1, 2012 stated final notice. I sent in $79.16 to show good faith and begin paying down. Did not hear from them for the last 2 months and now have been contacted by a collection agency.(never notified that it was sent to a collection agency) Called collection agency and offered to make some kind of payment every month, I just don't know how much I can send and cannot commit to a fixed dollar amount payment schedule. I was told it was not acceptable and it was being put on my credit report. If all this is permissible, what incentive to I have to make any attempt to pay off this debt? I am sick, heart disease, cannot afford to see a doctor, stopped taking cholesteral and blood pressure meds over two years ago, and have had 3 major back operations. I am 59 years old and though I do not think I will live for many more years, doesn't a good faith effort to pay count for anything(I have always paid my bills and my credit score--up until now---has been 850.) If my bill is in collection, is my credit already been affected??