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Collections Law/medical equipment co. i owe


Thank you for helping me.
I have a balance of about $300 I owe to a medical equipment co. for my oxygen supplies. (Called Care)
Recently I started working with company to lower my payments and consolidate my debts. They contacted Careto see if they would accept payments of $10 monthly. they turned it down and said
"We want payment in full and at any time we can send this to collections"

SO, I figure I better pay them in full asap.  My question is....
I could pay them with my current credit card or dip into my savings (which is only $500) what would be better?

Is it a big deal to have your bill send to collections? I don't understand why they won't accept the amount it's not like I told them I wasn't going to pay them. I paid them a lump sum of $100 about six months ago when I had the extra money.


If you don't have a current statement of what is owing, I would demand one.  If you can handle it, and it is consistent with the repayment plan set up, I would pay them $100 a month and get it over with.  You need to see how that debt fits into the bigger picture.  Pay off the debts which have the bigger rate of accruing interest (I wouldn't use a credit card, because the interest rate on that is probably higher than the debt you are talking about).  I would talk to the people who are working with you on debt relief.

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Michael T. Hertz


I can answer most questions concerning bankruptcy, whether business or personal, including questions by debtors, creditors, persons interested in purchasing assets from bankruptcy estates, and the like. Also have expertise in tort law, French and Canadian law.


Practiced bankruptcy for 27 years in California and taught bankruptcy for three years in Maine. This included Chapters 7, 9, 11, 12 and 13 cases, representing debtors, creditors (secured and unsecured), bankruptcy trustees, creditors committees, and persons interested in purchasing assets from bankruptcies. Debtors included persons with virtually no money up to large corporations.

Inactive member of the Bar of the State of California. Nonpracticing member of the Bar of Massachusetts. Formerly member of the Maine Bar and conseil juridique in France. Certified by National Committee on Accreditation in Canada.

Georgetown Law Review; California Bankruptcy Journal; Maine Law Review; Dalhousie Law Journal; University of Toronto Law Journal.

Harvard Law School (J.D. 1970; cum laude) and Pomona College (B.A., 1967; cum laude)

Awards and Honors
Selected as a "Superlawyer" in 2005 and 2006 for Northern California.

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