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Can A Company Send My Bill To Collection Even Though I Am Making Payments?

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Can A Company Send My Bill To Collection Even Though I Am Making Payments?

Postby Jov » Mon Oct 09, 2017 7:08 pm

So 3 years ago I was involved in a atv accident and had to get surgery on my wrist. I had no health insurance at the time so I have been paying all bills monthly out of my own pocket. One of my bills was a $900 one from the guy who puts you under. I have been paying his office $10 a month for the last 3 years. I just opened up my latest bill from them today and it had a note attached that says:

Dear Client

As of today your outstanding balance with us is $600. You have been making monthly payments of $10 for three years. At this rate it will take another 5 years to pay off your balance. We cannot afford to stay in medical practice and accept these payments. You must pay off your balance in full or start making monthly payments of $100 a month immediatly. If we do not recieve these payments we will have no option but to send your account to collection.


Ok so I have been making monthly payments of $10 a month for 3 years and now all of a sudden its not ok? Can they legally do this even though Ive been making payments every month? I cant afford to pay them $100 a month so Im not sure what to do here.... I never set up a payment plan with them I just starting sending them $10 a month and its always been fine. How can I fight this?
Jov
 
Posts: 58
Joined: Fri Jan 31, 2014 10:26 pm

Can A Company Send My Bill To Collection Even Though I Am Making Payments?

Postby Radolph » Tue Oct 10, 2017 1:09 pm

There is no such thing as "good faith payments".
You decided to send token payments ($10 a month is only a token payment).
You are lucky they patiently waited 3 years.
Most medical providers turn unpaid bills over to collections after 3 months .... even if they have a written payment agreement.
Medical providers are not set up to deal with long term payment plans from consumers.

Figure out a way to make those $100 per month payments.
They carried you interest free for 3 years.
It is perfectly legal for them to have accepted your token payment and now turn you to collections.
They could even sue you to collect.
Radolph
 
Posts: 49
Joined: Sun Mar 30, 2014 2:24 am

Can A Company Send My Bill To Collection Even Though I Am Making Payments?

Postby Yspaddaden » Thu Oct 12, 2017 1:04 am

You can't fight it, you owe the money. It probably costs them more than $10 a month just to administrate your account and payment. I would scrape up any amount you can, hopefully about $300-$400 and call and offer them full payment for settlement. Get the agreeent in writing before you send the payment. If you get sent to a collection agency, just keep saving and settle with them.
Yspaddaden
 
Posts: 58
Joined: Sat Jan 18, 2014 9:51 am


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