I got into a car accident in March of 2008, the ambulance picked me up and took me to a private hospital, 5 minutes later, I transferred to a cheaper hospital and did my surgery and everything else there.
A month later I got a bill from the private hospital for $ 1200. I ignored it and now 3 years later I found it on my credit report with a collection agency handling my debt. (Stupid mistake)
I called the collection agency (Merchants Credit)to negotiate the debt. The manager told me that I have a 770 credit score (Not true my credit score is 675), and that I have the means to pay the bill but I am refusing to. He wouldn’t negotiate the debt what so ever. He told me he will inform the client that I am refusing to pay and hung up in my face!
What can I do to reduce the bill??? I don’t want a payment plan I want to pay a smaller ammount in full and get it over with…
Thanks

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