NPR recently reported on a study performed by the federal Consumer Financial Protection Bureau. The survey revealed the 59% of responders who had been contacted by a collection agency said medical bills were the reason for the call. The study went on to reveal that medical debt affects all demographics about equally.
For example, consumers with a household income under $20,000 reported that 61% who were called by a collection agency had outstanding medical bills, but 54% of the responders with an income over $70,000 who were dealing with debt collection were also getting calls about medical bills. Likewise, the stats were at 59% for both those under 35 and ones aged 62 and over. Clearly, this is a national problem that affects people of varying ages and economic statuses.
Making Arrangements to Pay Medical Debt
The State of California DOJ has a number of suggestions when it comes to making payment arrangements with a debt collector:
- Submit your request in writing. If you submit a written request to make payment arrangements, keep a copy. This can later show your intention to pay the debt.
- Don’t agree to payments larger than you can pay. If a debt collector insists the payments have to be over the amount you can afford, it’s time to seek legal assistance.
- Contact the debt collector in advance if you are going to miss a payment. If you have been regular at making payments, most debt collectors will understand and work with you
If You Are Being Sued for a Medical Debt
Sometimes, despite your best efforts to pay back a debt, an unreasonable debt collector may try to sue you for the balance due. This calls for immediate action, within 30 days, to respond in writing. If you have been served for collection in connection with medical debt, contact LaGuardia Law today. Our debt collection defence lawyers can provide the assistance you need during this difficult time. Call (619) 655-4322 to schedule your consultation.