Legal Question in Credit and Debt Law in Texas

Re: Unpaid Medical Bill

It depends upon your agreement with the medical provider at the begining of your treatment. If you agreed to pay upon your receipt of treatment or at the conclusion or something similar, then you are not legally entitled to change the terms of your agreement unilaterally.

Check the paperwork you signed when you first started treating and see what you agreed to.

Sending a small amount each month in the absence of an agreement that you may do so will not protect you from litigation.

Re: Unpaid Medical Bill

If the creditor recieves your payments and continues to apply the payment to the outstanding balance, only the contract would allow them to file a lawsuit.