When a medical provider turns your bill over to a collection agency, does the collection agency have the right to tack on extra charges? We paid each month, but we just didn’t meet their minimum.
It is common for collection agencies to add their collection fee. It is possible that bankruptcy might help you, especially if you have other debts. You certainly don’t want a lawsuit filed, which would allow the collection agency to garnish your paycheck if they get a judgment. I urge you to go talk to an experienced bankruptcy attorney who can help walk you through what bankruptcy would do to help and whether it is something you should consider.