Legal Question in Credit and Debt Law in Pennsylvania

I am unemployed and have no medical insurance. Last year i had to have heart surgery. I submitted all of my bills to my state and they paid a great deal of them. However, they did leave me with a percentage of two bills to payoff based on my and my wife's combined income.

I have been sending monthly payments to both of these creditors based on what i could afford.

Today i received a letter from an attorney representing one of these creditors asking for the total balance due. This letter also states if i cannot pay the total due i must contact their office to set up a mutual agreeable payment plan. I am concerned that they will force me to pay more per month than i can afford to.

As long as i am making consistent payments can they legally force me to pay more?

Thank You

Earl


Asked on 12/08/11, 10:12 am

1 Answer from Attorneys
Rachel Hunter

Earl,

Sorry for your situation. Your creditors can accept the monthly payments but they can still sue you. They are not a bank.

You can try contacting the attorney and making the same arrangement, but get it in writing. Can they force you to pay more? All the hospital can due is sue you.

If the attorney does not agree, then you have to look at your options. It also depends on your circumstances and what assets you have. It may make sense to file bankruptcy if you owe a lot of money and will not be able to repay it in a reasonable time. It may also make sense to stop payments for now, build up funds in savings and then go settle the debt later.

I give free email consults if you would like me to review your situation in confidence. Please contact me at [email protected] if interested.

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Answered on 12/08/11, 3:07 pm


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