I have a medical bill that went to collection because of a clerical error on the mailing address. The agency is saying that it is too bad and your account would be delinquent if I do not pay all of the collection fees charged by the medical office and the interest charged by the collection agency. I am happy to pay the actual medical charges but not any of the excess fees because I was never provided with a bill. The collection agency and medical office is in the state of Utah. The bill was actually discovered when a loan application was made and found a collection claim on the credit report. There was not any notification of collection action or statements send because the mailing address was incorrect. Any assistance would be helpful.

Have you tried talking to the medical office directly, perhaps even going in and talking to them about paying it off.

Unless they sold the debt, they can still take and collect the money, Since the collection agency would take from 25 to 50 percent of the debt, most likely the doctor will be glad to settle with you.

Beyond that, just tell this is your offer, you can't afford anything else. And wait to see what they will do.