Collection agency won't work out a payment plan with me.

[lilyallie66]

Hi there. 

I reside in Utah and a collection agency (MLC) is trying to collect a total of about $2200 from me that comes from 4 accounts they say I have with Revere Health.

 

Previously in 2016 they sued me for a bill I owed with that same healthcare office, but that was a much larger amount and at the time they did not want to agree to a $100 a month payment plan. They said the minimum acceptable amount they'll accept was $250. When I provided my response to their serving me, they called me and agreed to $40 a month which was what I could reasonably afford at the time. 

 

I just finished my payment plan last month and they are ringing me for more debt I owe. This time for about $2200. They told me they will not do a $40 payment plan like before because it'll be too long for their client. They said minimum is $200. I explained I can only do $40 cause that's what my spouse agreed to help me with (we have been separated since 2019) I'm unemployed and a stay at home mom residing with family that help me out. She then said since my spouse and I are still legally married they'll just sue him. I told her I have no problem paying I can call each month and pay $40 but I can't do any more than that. She said it'd only be considered a Voluntary payment and that they can still sue if I'm making payments. Only way to avoid it is to enter into this payment contract of $200 a month but I just can't do that.

 

I asked for a validation letter and they only sent me the date it went to MLC for collections and that they did not buy the debt, Revere Health is still the original creditor.

 

The image posted is just one of the 4 letters I recieved and is the oldest account. I made a $40 payment to take care of the small one that was $18 and they allocated the rest to this old one. If someone could help me I'd greatly appreciate it and just let me know what are my options are here if any.

Thank you. 

[MarvBear]

Welcome to CreditBoards.

[CreditSucksNot]

9 hours ago, lilyallie66 said:

She said it'd only be considered a Voluntary payment and that they can still sue if I'm making payments.

 

This is accurate.  No creditor is required to enter into a payment plan of what the consumer can afford.  Your situation is unfortunate but not a legal defense to owing the money.

 

9 hours ago, lilyallie66 said:

If someone could help me I'd greatly appreciate it and just let me know what are my options are here if any.

 

You can keep sending in the $40 to knock down the balance but if they sue you/your soon to be ex you would need to defend the suit same as last time.  I would be getting a good family lawyer to ensure that your ex is held at least 50% responsible for this debt and that the divorce court makes it part of the decree that he pays.  Keep in mind that none of your creditors are a party to the divorce and even if/when the court orders a debt to be paid by an ex-spouse it can still damage your credit if they don't.

[Why Chat]

Stop paying these leeches.

 

Follow the guides:

https://whychat.me/GUIDEBOOK.html

https://whychat.me/GUIDE HIPAA PROGRAM.html

 

If the dates of medical service were over 2 years ago I am pretty sure that you have been scammed into throwing $$ down the cesspool of a CA who has no legal right to collect from you.

 

Your paying them anything has only encouraged them to keep victimizing you.