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Hi, everyone, I am in New York and have been contacted by a collection agency (which writes on the letterhead of attorney Mark Nichter) regarding hospital service in 2011 and 2012. I had been very sick then so don’t remember all the billing particulars but the total amount due is $1,197.73, according to the collector’s letter. I had insurance which covered 90 percent of the bill and I assume this is the balance that I didn’t pay. Being out on disability I wasn’t able to afford to pay my portion then but I am in a better position now to pay over time. My question is: could I arrange to just pay the hospital directly? I could probably do it over three or four months rather than all at one time. I don’t want to deal with the collector directly as the rep who calls me is truly awful on the phone. I always tell them I won’t discuss it on the phone and please to write to me but before I hang up they always manage to yell about how I know I had cancer and had treatment at this particular hospital and why won’t I pay up. It’s too much. This hasn’t yet shown up on my credit report and since I’ve recently just gotten my reports clean, I’d like to take care of it in a way that won’t harm my credit. Thanks in advance for your advice.