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Question
I was in the hospital earlier in the year coming home with around $75,000.00. My insurance paid approximately $50,000.00 leaving my obligation at around $25,000.00. The hospital is demanding that we pay $3,000.00 per month for 8 months. They say that is the best they can do in setting up a payment plan. We have sent them 2 payments of $200.00 each last month and again this month. They say that is not good enough though they cashed the checks anyway. I was told that this bill was going to be sent to collections on October 11. How can I prevent this bill from going to collections?
I am afraid that unless you meet the hospitals terms, there is not much you can do to stop them from turning the account over to collections. Maybe you could offer a complete financial picture of your situation showing how much you can afford to pay. $3000 per month is high but to the hospital, $200.00 is not enough. Good luck with this.
You may want to check with the hospital and see if they have some financial assistance available.
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Answers by Expert:
Ray A Miller
Expertise
I am qualified to answer questions on the following subjects: FDCPA, FCRA and HIPAA as well as medical collections, general collections and collection agency related issues. I trained these subjects at a nationwide collection agency and customer service call center and audited around 150 representatives for compliance to the laws. I have been in the Collections Industry for over 30 years. I feel that everyone deserves to be treated fairly and with compassion and that is the way I trained collectors. Even though I worked for a Collection Agency, I get great satisfaction in helping those who have been mistreated or in need of help with these confusing issues.
Experience
I was the Compliance Administrator with a nationwide collection agency and customer service call center-I have trained hundreds of collectors on the above referenced topics. I have been in the medical collections industry for over twenty years and research these topics on a daily basis.
Organizations
ACA International
Education/Credentials
Some college
ACA Certified Collection Specialist
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