$ 850 Emergency Room bill? I set up payments of $50 a month. Is it true that

I set up payments of $50 a month. Is it true that - as long as I send them money even if it's a smaller amount every month (say $20) that they can't turn it into collections -or can they just report it as a unpaid payment on my credit report? I live in California.

Answers: No - that is to say a myth. If you fail to pay as agreed, they can dispatch it to collections. Just like any other debt.

No.they are not obligated to accept whatever small amount you dispatch. If you cannot send $50 a month, re-negotiate the amount.

Here's an option: They probably bought this debt at a big discount.They might own paid as little as $100 for it...
Make them an offer of $200 surrounded by writing to settle the debt. Only pay them once you get a written Pay for Delete agreement that they'll remove this item from your credit report upon reception of the money. NEVER accept verbal promises over the phone from debt collectors.If the jargon are not in writing...they are meaningless..Also, NEVER give debt collectors your dune account # to make payments...they'll attack your account if you do.

Lastly, be careful and polite within your negotiation.Don't take a "my way or else" attitude. This might provoke them to hold you to court over this debt. This is one of the most common legal myths out nearby. The truth is, if your account is in defaulting, the creditor can file suit to enforce the terms of the statement. There is no law in any state that say a creditor has to negotiate with a debtor concerning an description that is in evasion.

If you are having trouble making payments on the bill, you might want to call the hospital and try to setup a repayment plan. Just sending them money doesn't tight-fisted anything, the hospital has to agree with the costs plan. You agreed to $50.00 a month. That is what you must retribution otherwise you are in default.

Yeah your only recourse is to pay or renogotiate.

You don't say that you're within collection now, so I assume you're still dealing with the hospital. The hospital have a right to do anything that anyone else can do to collect an unpaid bill, but there is a difference between what they can do and what they will do. If they think that you're honest and predisposed to pay over time, they will work with you, because it's cheaper for them to linger than to send it to an agency. But if you keep fooling around next to them, they get frustrated, give up, and get rid of your account to a collector for whatever they can take for it.
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