Q - Recently I've been getting letters from a collections agency for medical bills that I incurred a couple years ago. The bills are the result of co-payments that I couldn't afford to pay after my insurance paid their portion. I've received several letters, and they now leave voicemail messages every day. Can they proceed with the collections process if I haven't responded to their phone calls and letters?
A - NEVER ignore a letter from a debt collector, because they do not need your consent to proceed with their collections activities, including filing a lawsuit against you, and then garnishing your wages. The best thing for you to do now is contact the agency IN WRITING and work out a settlement agreement. If you make the arrangement by phone, don't pay anything until you get the agreement in writing. Debt collectors have really short memories when it comes the arrangements they make with debtors.
Good luck.
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