What are my legal rights in regards to being sent to a collection agency?

I was hospitalized twice last year for asthma attacks and was left with $16,000 in medical bills (and that’s with insurance). I currently still owe $2199 on the remaining balance and it has not even been a full year. I make pre-arranged monthly payments of $297 and also pay whatever I can afford extra at the time. Now I have been notified that I have been sent to collections despite all this. What are my legal rights? I have a good credit score and don’t want to ruin that over something that I have been making my best effort to pay off.

Asked on March 5, 2012 under Bankruptcy Law, Arizona

Answers:

eric redman / Redman Ludwig, P.C.

Answered 8 years ago | Contributor

unfortunately you legally owe all of the money at omne time.  any payment deal is voluntary by them and they can give to collection whenever they want to.  is this your only debt? if you have a lot of debt and they are going to ruin your credit score you might as well file bankruptcy and get a fresh start.


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.