Kernersville, NC asked in Collections for North Carolina

Q: I have hospital bill that I have been making payments for several months and they have accepted. Now is in collection.

Sent to collections without warning.is this legal ?

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1 Lawyer Answer
Lynn Ellen Coleman
Lynn Ellen Coleman
Answered
  • Collections Lawyer
  • KERNERSVILLE, NC
  • Licensed in North Carolina

A: Unfortunately, yes. At the time this bill was issued there was no requirement that a creditor warn you before sending an account to collections, even if they accepted what you could afford to pay for months. No creditor has any legal obligation to accept partial payments and they always have the right to demand payment in full unless they make a written agreement with you otherwise. There is a new FTC regulation coming, but I do not think it applies to your situation.

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