I have posted about this before [link](https://www.reddit.com/r/personalfinance/comments/yy29ed/what_if_the_collections_company_keeps_rejecting/?utm_source=share&utm_medium=android_app&utm_name=androidcss&utm_term=1&utm_content=share_button). I have followed the advice from the wiki and some of the commenters. I’ve never heard of a collections company not being willing to take a settlement of any kind. What should I do?
[the current bill](https://imgur.com/gallery/1o43UBK)
Pay them or wait them out and hope they don’t sue you
In almost all situations, a collection company cannot charge interest on medical bills. The reason is, they generally do not have interest as part of the original bill. Therefore interest cannot be added.
I think they’re trying to strong-arm you, and even breaking the law. Tell them either they’re getting what you can afford, which is X, or they can stop wasting their time contacting you because you’re not paying them anything. Then ignore them. It’s already in collections, so there’s not much of a downside from here.
They can’t charge interest unless it was a loan. Did you get a loan for your medical bills? That’s illegal. I’m almost 100% sure unless it was a loan.
They’re playing hardball with you. Only costs you a stamp to play hardball with them and say take it or leave it, you only work 10 hours a week and have no way of ever paying the bill etc.
Be factual, direct, and consistent. They probably assume you are bluffing and just want a discount.
How old is it, hours long in collections? And do they know where you work? Of you make a good salary and have limited expenses, they might be looking at garnishing your wages. In my state 28% of your wages COULD be garnished but there are a lot of ways to avoid this. If it’s a newer bill, they may still be thinking you’ll pay. Also, telling them the terms vs talking to them and making an offer it’s a big difference. You might call with a sob story and just let them know you can’t afford the entire payment. Don’t offer any info on moneys you make though.
Well, you have two options:
1. Save up and pay it.
2. Ignore it until your state’s statute of limitations is up, at which point it will be erased from your credit report.
This is more common than you might think, especially at $1100. If you owed 100x that you’d be much more likely to get some kind of reduction, but they think they can get this money out of you. You can pay it, or not. Good news is if you do pay it, as medical debt it’ll be removed from your credit report.
They are under no obligation to settle. If the debt is genuine, you’ll have to pay up eventually, and hope they don’t take you to court over it where the due amount can easily quadruple.
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