medical bills because of wreck; how to stop them from going to collections?
i am so freaking angry right now, it's insane. :/ and i'm cutting this cause it's long. in april of 2005, i was rear-ended by a bread truck. the other driver was at fault (not that he got a ticket. i would have, you know, if i'd hit him, because i'm young and female and drive a red sports car, and would have obviously been driving carelessly. but if HE wants to bend over in the front seat of his truck, when he knows another car is in front of him, so that he can look for his laptop, it's OKAY!), but not ticketed. i have $10,000 of medpay through my vehicle insurance, which has taken care of some doctor's visits and such, and paid partial amounts on other bills, but $10,000 only goes so far when you're constantly in and out of the doctor's office, spend 10 months in physical therapy, and require lots of expensive medication and tests, like mri's. several mri's, actually. i'm out of pt now, but i'm still on celebrex and a couple of other medications, and i still see my doctor every 4-6 weeks for steroid injections so that i can, oh, i don't know... move and such. you know, little things like that. most of my bills from this time, like the physical therapy, have not been paid off completely. instead, i have paperwork filed with them that states that i am aware that they have to be paid out of any settlement i get, and their payments are part of my lawsuit, so that no one gets left out, and so that they don't send my bills to collection agencies and ruin my credit. however, nothing gets paid until the settlement is done, because allstate's annoying like that. i think they're hoping that i'll settle for less than what we're asking for, because my credit and such might get ruined otherwise. today, i get this: dear ms. hellfire82: you have had several mri's at our office. progressive insurance has made a partial payment on your account, but there is still a balance of $6057.75 (yeah, i thought it was a typo the first five times i read it). Please start making monthly payments by 8/31/06. I have enclosed a claim form for you to give to your insurance company. They are not responding to anything I have sent them lately. Please make payments of at least $200.00 at the end of each month. thank you someone who is about to be severely disappointed 1. i am COMPLETELY PISSED OFF that i didn't cause the wreck, yet i'm the one who's not only suffering the physical pain and the accompanying emotional depression and anger and other such things, i'm also the one that's on the hook for all of the medical bills. 2. i make $590.00 a month, for 8 months out of the year. i don't even get paid again until the end of september. then i get paid for the last time this year in mid-december, and i don't get paid again until the end of february. 3. i have a BUDGET. $200 a month is not IN the budget. even if i wanted to pay it, i couldn't. i'm currently torn between hysterical laughter and almost as hysterical anger. these bills are not my fault, just like the wreck wasn't, and just like the wreck, i'm getting all the damage. i don't mind paying it out of the settlement, but out of my meager little bit of living money? oh hells no. so... i'm going to call them tomorrow, see if we can sign some paperwork like i have with the other healthcare providers that i owe money to. if not, i'm taking it to my lawyer, and letting him deal with it. the question is, if they're unwilling to work with me, or him, what can i do to stop this from going to collections? there is no way i can pay $200 a month (let alone by the end of this month; i've got $158 and change in my checking account at the moment); my credit card bill minimum is $304/month. i spend $180/month on gas, and i also pay $45 a month for birth control. that's $529 a month, right there. i have $61 a month left over, that i use to pay for things like oh, say, food and girly stuff. i'm not eligible for any assistance because i'm not pregnant, so that's not an option. can i just send them $5-10 a month, to hold them off, or does that not work anymore? i'm in louisiana if that matters.