If I’m paying a small amount on a medical bill monthly but the collector wants to up the amount and I can’t afford it, can they still send me to collections?

The office call and said they needed more per month and X amount was the least they would take or they would send me to collections. I cannot afford the amount they say that I need to pay every month.

Asked on January 21, 2013 under Bankruptcy Law, South Dakota


FreeAdvice Contributing Attorney / FreeAdvice Contributing Attorney

Answered 7 years ago | Contributor

I would simply send the debt collector a note stating that you can pay what you have been paying on a monthly basis and no more. If circumstances change, then you will try to pay more.

Keep a copy of the letter for future use and need.

If there is less than a $1,000 or so owed, then I doubt that you will be taken to collections based upon what you have written based upon my experience in such matters.

IMPORTANT NOTICE: The Answer(s) provided above are for general information only. The attorney providing the answer was not serving as the attorney for the person submitting the question or in any attorney-client relationship with such person. Laws may vary from state to state, and sometimes change. Tiny variations in the facts, or a fact not set forth in a question, often can change a legal outcome or an attorney's conclusion. Although AttorneyPages.com has verified the attorney was admitted to practice law in at least one jurisdiction, he or she may not be authorized to practice law in the jurisdiction referred to in the question, nor is he or she necessarily experienced in the area of the law involved. Unlike the information in the Answer(s) above, upon which you should NOT rely, for personal advice you can rely upon we suggest you retain an attorney to represent you.