Legal Question in Credit and Debt Law in Indiana

Re: Medical Bill Collection

You should confer with an experienced bankruptcy attorney to consider a Chapter 13 plan. Ask your county bar association for a referral. And do some internet research. Google "Chapter 13 medical bills." Good luck.

Re: Medical Bill Collection

arguing that you have an agreement and they have to accept the most you can pay will not be likely to result in the hospital accepting the $100 per month. You should talk to an experienced bankruptcy counsel about the alternatives available to you both in and out of bankruptcy. Most firms offer free initial consultations. If you wish to schedule a free consultation, call us at 317-685-2426

Re: Medical Bill Collection

Sorry, I disagree that you need bankruptcy counsel at this moment. You may need an attorney who deals in debts, but I believe that you still have options left. You have paid a significant amount of money. Most hospitals would be lucky to get 10% of what you paid. If you are dealing directly with the hospital, I would recommend staying away from the hourly collections people and work on getting an appointment with the manger of the A/R department. I would lay out everything that you have paid, provide proof of the $100 a month and work on getting an agreement in writing. I cannot believe that they won't work with you. In fact, you may find a collection agency more flexible as far as payment plans go. I am not saying let it go to collections, because if they haven't reported your debt yet, your credit should still be in good shape as to the hospital. Try and raise a stink with them showing how much you have done already. You may want some representation from a consumer debt attorney (of course I am one), but you should still try and resolve it directly with them - but go up the chain of command at the hospital. Deal with someone with authority. And keep everything in writing to document your conversations.